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Both Zombaio and Verotel do not have any upfront fee's. Sign up with both of them and do split test's and see which one converts better for you. This way you will also get a feel for their back-ends and hopefully find something your comfortable with. If after trying either of them you are still open to other options you can try CCBILL, Commerce Gate, or Epoch. Although these have a higher initial cost with their Visa fee's they are very good options.
The majority of 3rd party billers have similar cost's per transaction but where they differ is how they handle charge backs, what paymet methods they accept, what countries they can bill for, and so on. For example I know by experience that if you reach a certain chargeback threshold with Verotel they increase your processing percentage until you fall below that threshold. They call this your Chargeback Ratio Surcharge. Zombaio on the other hand will charge you a flat dollar amount per charge back. Last I checked it was 32USD. And of course there are other differences. Due diligence is the key here.
One think I do strongly suggest is not to have only one biller. Always have two on standby so if you have any issues with one you can always swap them out until those issues are resolved.
Not very complete but I hope it helps.
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Email: fenris_wolf3000 (a t ) yah00 . c 0 m 
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