credit card processing that works well?

[Aaron Wohl]

Ive got about 7000 credit card transactions a month.  Im looking for
software/credit card processor/bank that (Ill collect responses and
summarize):

- works well together, bank and credit card processor can deal with each
other
- can track transactions from one end of the system to the other
- works with freebsd -current and/or 4.8
- ability for programs to get a transaction list from each phase of
processing
  (our current processor/bank only has a human runnable web page)
- ideally can generate transactions from c++, perl, php
- works with visa,mc,amx, a plus for cybercash and euro
  credit cards that require cellphone user auth
- reasonable response time on problems
- we are entirely online and do not get card swipes or impressions