I was surprised to see that the PaySystems website changed. Had been there not longtime ago... The rate indicated starts at 2.3% (!) but you need to call them (so I guess it is way above that)...
No trace of 3.95% or 5.5%.
It seems that they now have an other site MyPaySystems with a more "youthfull" looks that actually mentions the older rates they used to show on their PaySystems.com website.
I also tried to see what transaction fee was now associated with the 3.95% mentioned in this thread... not clear....
Well, if you click on Sign Up button at the right of the screen, you get a form where you can select the rate of your choice (3.95% + 1$ or 5.5% + 0.35$) in a drop menu... exactly like on the previous version of the PaySystems.com website.
I don't know why they changed the PaySystems.com website?
It seems as it become more "posh" corporate business gateway.
I would nevertheless like to know how to get the 2.3% rate they mention