Best Payment Processor for Magento?

I just setup a magento shop. I don't expect sales for a little while until things get rolling. I just wanted to know what the best way to accept payments is until we start making money. It will cost $120 to get an authorize.net account, and then $20/ mo. I was hoping for a cheaper alternative until we get to that point where going with authorize.net makes more sense. Any ideas?

 

i agree papal is the one you will initially need in the beginning.