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One thing to consider... if you do have to pay the high risk fee you mine as well go with Netbilling, because that fee is suppose to be *PER* merchant. Meaning, you do not pay epoch again, you do not pay ccbill again, etc. etc. and you can still use them. So if somehow you conclude Epoch is best for you... you pay whatever high risk fee, then if you wanted to go netbilling you'd have to pay it again (probably), same with ccbill.
Maybe you are lucky and can get that fee waived all together.
If you set your scrub low on your MID I don't really see the point of sending to a third party. To each his own. I would rather open another MID to spread money around.
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