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I think the problem is there is no great answer to your question. Here are a few possibilities though:

TipJoy (http://tipjoy.com/) is making a play as a micropayment platform I believe. I think they're a YC company as well.

Amazon Flexible Payment Service (http://aws.amazon.com/fps/) is also one to scope out.

Thanks much -

Has anyone used Amazon FPS vs. PayPal vs. Regular processor?

Shoot me an email if you have any questions about Tipjoy. We're working on something closer to what FPS provides: ivan@tipjoy.com

pretty basic amazonfps question - do customers have to have an amazon account to complete their transaction?