Virtual Terminals for taking card payments over the phone..

[Lexual]

I'm looking to get a 'Virtual Terminal' so I can start taking Credit/Debit card payments over the phone... Do any of you have any experience of these and any recommendations?

At the moment I would say I will be doing fairly minimal amounts of transactions by card over the phone in terms of volumes and value.

So far I've spoken to Worldpay, Paymentsense and Paypal and have done an application for SagePay.

Fees and costs seem to vary quite a lot, some charge set up fees, plus monthly charge and then the transaction fees range from 1.6%-3.4% on CC and 20p-40p for DC..

Anything I should watch out for such as delays for payments going into my account etc?

All new to me so any advice is welcome!

Thanks.
Ollie