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Actually, my opinion, for all it is worth is to try your own merchant account over Epoch. See what kind of approvals you get. If they are better (and not much fraud) use your m account. But you also risk losing it....
As for ifriends, they have their own merchant account (?) so they can better control the scrub and approval rate.
There are others better qualified to answer this, but I think they are at the Pheonix forum.
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