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Rocket Gate and a merchant account are fine. Alternatively you can do the CC/Epoch.
For a new site, I would recommend going the Epoch/CCBill route. Yes, they take a fee, but that fee will save you a lot of hassle so that you can focus on building your site and your business.
Once you are making a certain amount of money, it makes sense getting a secondary processor because you'll pick up another 10% of sales easily. You'll need to do the math on what makes sense to you, but $5000 monthly in revenue would be a good mark to pull the trigger.
At some point you will want to go the merchant account route, but there are quite a few fixed fees involved and some technical knowledge required. I would recommend holding off on that until you are making around $10k a month, OR if you need to do something particular with your billing that Epoch/CCBill won't easily let you do.
Recommended line of progression:
Epoch
CCBill at $5k
merchant account at $10k
I have assisted in setting up well over 100 merchant accounts and helped with quite a few Epoch/CCBill accounts as well. If you have any additional questions, feel free to shoot me a message and I'd be happy to point you in the right direction.
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