2checkout.com should be ok for what you need. They can allow recurring transactions and wire cash depending on location and the amount you wire. I believe it's free for the US and then needs to be 1000 USD to wire for free out of the US.
Yup, 2CheckOut will work fine for you. It is free for US wire/direct deposit and it works well with scripts.
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I'm not sure you are going to find a solution that is much less expensive - at least for a non-U.S. business.
Also keep in mind that most third party processors have rolling security reserves in addition to their transaction fees. This can add another 5-10% of "held back" funds which you do eventually get paid on BUT which will still impact your cashflow in the near term.
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I do applaud you for looking into it like. But you are somewhat very limited. It's the high discount rates that are eating you up & costing you 13%. If you are going to do that amount of volume, check out worldpay. They might be able to help you out & be a little cheaper. There are no rates on their site due to it being different for each country but send them an e-mail.
But you do not want a bad credit card at times. Meaning you do not want a chargeback.
Check out Paysystems as well. They might have a lower plan. And ask if they can lower the transaction rate. If you are planning on that many, they might be pretty amicable to the idea.
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I've used a script called Amember (forget the website, but a google search should find it) It does recurring billing via paypal/paysystems/ authorize.net and some others) and it automatically manages your user accounts (creates logins and emails them etc.)