Going with CCBill and Epoch as backup processor is a good decision. At least if you are starting a program and especially if your financial resources are restricted.
CCBill is a well known and honorable company. Nobody has to worry about payments, neither you nor your affiliates. CCBill service is free of charge, well itīs included in their commission. But you neednīt invest in an additional affiliate software.
While NATS as well as MPA3 are great products for sure, an investment in those software solutions only makes sence if you really need what the software provides and - of course - your investment has to redeem. So using the software has to increase sales and I canīt find verifiable reasons so far.
There will always be affiliates who wonīt use your program going with CCBill wihtout NATS or MPA3 and the other way round. So this shouldnīt bother you.
So in my opinion using CCBill is the way to go, at least for beginners. Much more important than a third party affiliate software is a well done members area which will keep the customers. Both - NATS and MPA3 - do not offer a CMS in their affiliate software. So there is no advantage using them so far.
If your site will run smoothly and sales run in, you can always decide to use an affiliate software later.
All this has pointed out above and I only want to support your decision.
