Quote:
Originally posted by charlie6763
With the $750.00 bullshit, why fuck with 3rd party billers. They scrub to hard and they take a huge a chunk of your HARD EARNED money. I say suck up the up-front cost of a merchant account and you'll be way better off in the long run. Depending on your revenue you could likely recover the up-front expense in just a few months because your sign-ups will increase without the hyper-scrubber running and you'll be paying much lower transaction fees! Just my 
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With huge application fees and long term commitments, sometimes it's just not worth it. You have to pay someone like Jettis or iBill anyway (to interface with your merchant account). Then there are your ACH (check) agreements and LEC billing (phone billing) agreements, etc.
Finally, scrubbing isn't entirely a bad thing. It does save you from chargebacks, which your merchant bank obviously frowns upon.
Going with a 3rd process will perhaps save you a few percentage points, but unfortunately, perhaps not enough to drop them. ;(