Spacedog, you're still an idiot. I figured you would have learned something (or at least learned to keep your mouth shut) after all these years.
A sponsor can still shave you if they're using an IPSP to process transactions.
You're not allowed to have more chargebacks if you use an IPSP. That ended years ago.
I'll also add that my top money maker uses thier own merchant account for billing, and I've seen shitty numbers lately that correspond with what my friends who use IPSP's are seeing. So going merchant isn't some silver bullet, it just saves you a few points and gives you a little bit more control.
