Holden,
If you are going to use an IPSP's banking to accept your credit card orders, it is still going to be considered high-risk. You are still talking about a recurring online transaction and using a 3rd party banking service. However, unless you have some experience in the online recurring biz, you're probably still better off using a 3rd party service to maintain your customer support and credit/chargeback ratios.
If you have questions for Epoch, please write to
[email protected].