Payment Processor Advice

Looking for guidance on a new payment processor.

Background. About to launch a new product that I have over 10,000 people signed up for the launch announcement. So expecting a large influx of initial orders. Hell, lets just say it;s $5k. Because it is a low cost ebook I am not planning on doing refunds (or at least not going to make easy). I will also offer a low cost monthly membership so it has to be flexible enough to allow the buyer to A) - Buy just the ebook or B) Buy the ebook then after 30 days start with a recurring charge

I do not like these choices:

Clickbank. their refund policy sucks. All a user has to do is ask and they give full refund. I have no control. I also hear they shave leads.

Paydotcom. Only choice is to get your money back through PayPal. We all know if I get a large influx of cash and then transfer it right out they will lockout my account. They did it for a $1900 transaction.

2checkout. I believe their TOS says I have to do refunds. Anyone have experience with these guys?

Any suggestions will be greatly appreciated.

Perhaps E-junkie ?

I was just introduced to plimus. So far everythings working pretty good.