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Remember to add the cost of NATS to the mix. $150 per month for their basic fee then $350 per month on up to ridiculous heights, all based on volume.
In the end, when you add up all fees and extra hassles (like writing checks to affiliates) the real benefit is not % of savings. Maybe you save 1% or 3%, something like that. No, the advantage would be scrub control, better throughput (in theory) and more information and ultimately control over your forms and settings. You would then need to calculate if all the benefits outweigh the additional cost/work. This is why, in the end, many do not switch from a 3rd party processer. (This does not necassarily apply to those with high volume of joins or transactions.)
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