| Our average rate at CCBill is about 11.5 to 12%.   For that,  I get : 
 - A live, human on the phone every single time I call.  A US person at that.
 - Instant advice from DougW, Corvette & the crew
 - Fast replies to requests,  instant action when fraud is suspected.
 - Email and phone calls when they suspect an affiliate is being naughty.
 - An attentive ear that considers new ideas
 - No Velocity constraints (they let us manage our own)
 - Actual, Genuine business Help and Support whenever we need it.
 - Never, ever, a single late payment.
 - Invites to Playboy.
 
 I think this is how they justify the higher fees.   Works for me.
 
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