Originally Posted by Joey B. Lo

Having your own merchant account is the best option. It puts you in full control of your scrubbing, negative database and what countries you process. However its not easy. I've been working on it with netbilling (who are great!) for the last couple months and we are still about 2 weeks out from being set to process. Biggest hurdle is there is one bank in the usa that still gives authentic adult high risk merchant accounts. You also need to have a very good chargeback history. 1% or over and they won't touch you. Also you need to do 100,000 a month in sales. The bar is high and its also not cheap. But like I said I think its worth it if you meet the criteria. I'll let you guys know how it goes for once I start processing with mine