Originally Posted by Mutt

that's a little dumb on your part - when a large program with deeper pockets loses their merchant account they CAN and SHOULD reach into their pockets and make settlements with their affiliates for the lost rebills. The affiliate should NOT be assuming the risk for the program owner's processing. A smaller program doesn't have 50-100K in cash if they lose their merchant account to make good with affiliates.

merchant accounts are lost all the time - you dont have a banking relationship wth Netbilling, your relationship is with the merchant bank - you have no clue how long they will stay processing high risk adult and you will have no backup plan in place other than running to Netbilling hoping and praying they can place you with another bank.

CCBILL and Epoch have over 10 years of experience handling merchant accounts - and I am assuming contingency plans for worst case scenarios - guy doing 10K a month in sales has ZERO experience with his own merchant account and no contingency plan.