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EscortBiz, my mistake ... ibill and ccbill take 10% reserve not 15% as I originally stated. At the end of the day you will ALWAYS have 60K reserve with ibill and ccbill (based on 100K Net)
It would take you one whole year to accrue 60K with Epoch at 5% (again based on 100K Net).
Epoch of course would continue to charge you the 5% till you have accumulated 100K (your average monthly Net) which would take approximately 20 months to get your accruals at 100K (based on your net being 100K per month again).
So I guess you do save with ibill and ccbill over Epoch, after the 6th month.
I bill with ibill and Epoch and if it came down to choosing just one processor, I would choose Epoch. I find Epoch to have superior customer support, superior marketing tools and are very webmaster friendly in that customers don't receive chargebacks without an inquiry. They run a tight ship these days and are obviously very enthusiatic about their business and where they want to take it.
I've not billed with ccbill but I hear they're quite good except for the high number of declines and the chargebacks. I have taken a peek at their password management/ reporting system and find it slow and it often doesn't load. They do however have a very loyal webmaster base so they must be doing something right.
=RS=
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