Taking credit card paymenst, my best package??

I have always swerved clear of this, but I think that my motor trade parts and services business may benefit from taking payment by credit card, in these financially troubled times. Barclays, who I bank with for business, want to set this up for me, and have offered 2 plans, one with a rake off percentage of 1.95% and a monthly fee of £19.99, or a package with a monthly fee of £5, but a rake back percentage of 3.95% :( Are there better packages available elsewhere? Thanks.