The worst for myself.... Trusting a third party credit card processor to be honest and actually pay what they owed us, 3 years ago PSW BILLING didn't pay us costing us a lot of $$$, we still had to pay affiliates and send the products to customers. Obviously you learn from them mistakes and MoreNiche now as 3 credit card processors and we are on top of everything...
U?
http://www.moreniche.com