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You can run a merchant account w. Epoch as well, and I'm sure the third party billing rates, as mentioned above, slide towards the total you'd pay with a merch. account if you do enough volume.
One thing, besides that a third party biller may have plenty of local payment options integrated already, resulting in a better conversion rate, is that cams are a notorious pain regarding fraud management, any helping hand welcomed.
Running own billing, yes with the volume an established site may do this is justifiable as well.
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