Hi Saturn!
It somewhat varies on a case by case basis depending on merchant and location us / uk / eu but just some general ranges/rates:
- Chargeback fees are going to be about $30-45 USD
- Rates are around 3.95 - 4.5%
- Typically a 5-10% reserve is needed. Its accumulated up to a certain amount depends on the business & volume you are processing. You can often ask for a reserves to be reduced or eliminated after 3-6 months if your account is clean. (preferable chargeback free).
- Its a complete solution an adult merchant and a payment gateway. You can also take cc's via mobile phone/swipe through an iphone or droid through the gateway.
Let me know if you have any other questions!