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Paypal to start has no monthly cost however the cost per transaction is higher than through many merchants. I often say to start with paypal for most of our customers and then migrate to the right ecommerce merchant for you. Some have special non-profit rates if you are non profit while others' monthly rates are low enough for even startup companies.
The majority of the population is comfortable with paypal as a clearing option and most of our customers only experience a marginal change in acceptance rates after the migration. the main success of your ecommerce site we have found is less about what clearing company you use but rather how well your site is actually built and the trust you establish with the customer before even starting the clearing process.
Our software is able to do both paypal and any clearing company you choose however it is not my aim to promote our services in the forum. I am just letting you know that solutions are out there that with little to no knowledge of ecommerce, you can build a site that clears in any way you choose with little effort.
If you ship, finding a solution that integrates shipping calculation with your ecommerce clearing is also ideal. This will save you time and money as you grow in success in the future.
I hope this helps.