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zombaio does decline legit customers here and there and while ccbill does the same occasionally I find the two processors rarely decline the same person. I'm really happy with zombaio but I do earn more by having alternate payment options. I hear a lot of positive things about epoch as well
In asking about plugins do you mean members area plugins? If so, YourMembers rocks and works well with zombaio (ccbill as well). I had an incredibly difficult time installing zombaio on my wordpress and YourMembers solved the problem completely for me. I seriously cannot say enough good things about Coding Futures (the company behind the plugin).
good luck with your new site
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