I don't personally but we have set numerous clients up with
Authorize.net for both shopping cart credit card processing and standard website-based credit card processing. They utilize your business bank account and have an easy to deal with signup process. (You just fill out some minimal paperwork with your business info to get started not tons and tons of application forms.)
There is a setup fee and monthly percentage fee, but it's relative.
Their support is great too!
Hope that helps