| We have used our own merchant account for years. It is a constant pressure dealing with fraud and the chargeback issues. The upside is you control your money, we get paid daily. We deal with refunds, chargebacks, customer support etc, etc a lot of time and hassle.
 I  would not deal with CCbill, Ibill or any of the other 3rd Party processors. I do not want to be dependent upon their business decisons affecting whether I get paid.
 
 I suspect the Netbilling type of situation is a good mix of the two. I have not dealt with them but I would not want to try and deal with the issue myself as a startup in todays banking climate.
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