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They all require the visa/MasterCard deposits, annually. Epoch will build in a monthly fee after your first full deposit so the following year it paid up by the time it rolls around. I thought I had noted that payment needs has a work around, depending on your exact industry, however they won't get approval for certain adult categories.
There are many alternatives to CCbill - Verotel (use a mysafe account though), NET Billings, SegPay, Signature Payments, paymentcloudinc is another good choice.
Good luck, I think there is no avoiding the visa/MasterCard annual fees. There are many strict requirements that have changed recently depending on where you are located and how your business is registered etc.
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Adam - Thirty Three Entertainment
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