However, I feel the need to point out that no one can get a 1% rate on eCommerce transactions from their bank or anyone else.
I didn't mention 1% as idle guesswork, I have direct knowledge of several businesses paying close to 1% on online (card not present, no signature) transactions. I'm not saying its easy to negotiate good rates, but its possible, even for fairly early stage startups. I got 1.6% for a startup turning over only about $20k per month, no track record and 'non standard' business model.
So feel free to push your bank, get quotes from their competitors, they can almost certainly do better for you.
EDIT: I just notice that stripe is planning to introduce volume discounts - that would make a very nice product!