A company is evaluating its electronic payment processing system to enhance efficiency and reduce transaction costs. They currently incur a fixed fee of $0.30 per transaction and a variable fee of 2.5% of the transaction amount. If the company processes 1,000 transactions in a month, with an average transaction value of $150, what would be the total cost of processing these electronic payments for the month? Additionally, if they switch to a new payment processor that charges a fixed fee of $0.25 per transaction and a variable fee of 3%, how much would they save or lose in total processing costs by switching?