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ccbill is ccbill. expensive and well trusted by surfers.
epoch, im sorry guys, has the worst backend of any biller. its over 10 years old and hard to use.
zombaio is good if you need a biller but dont need to get paid.
verotel is my top recommendation. very easy approval for anyone in the world, low declines, and Jason is always available on skype (during working hours).
mobious is really good for a merchant account provider. i just did a custom install and built a NATS knockoff for a client. their system has a good api.
netbilling is quality but expensive and requires programming skills. its not a startup choice.
auth.net does NOT allow membership sites. they do allow hard goods. i don't know where you got your info, but we just had a site owner get their account yanked for moving from hard goods to digital. they switched to Verotel.
that's about all we use or install on the regular....
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