Both of my dogs are microchipped.

Emily was done as a pup before I got her so I don't know how much it cost.
Clipse was done right after I got him at 7 months of age, but I was working at a vet clinic at the time so I only paid $25.
Sorry that's not much of a help.
$65 does seem like a lot though.
Somtimes shelters put on microchipping clinics. Maybe you can look into that?