Originally Posted by adultmobile

We use merchant with a few other billers as secondary, like most cam sites.
There are a number of reasons for listing also billers such as Epoch, for example:

1) Some customers are paranoid about entering their credit card number in biller pages they don't know, so they may want to use only Epoch/CCbill forms, no matter what.

2) Epoch give us also paypal (europe) and lots of prepaid voucher and bank systems extra to visa/mc of the merchant. To support directly those vouchers etc. would cost too much of integration and time.

3) Except what people there call "scrub", even if you have merchant account that approves ALL the transactions as the bank wishes, the card schemes are silly, so for example lots of USA cards will simply not work transacting an european merchant, unless call the bank and pre-approve, or even you get phone call from the bank: "was it really you?", just because that's a foreign transaction. There is where another processor, perhaps USA one, may be useful.