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Dtk,
Netbilling is just a gateway that sends off your transactions for approval, etc. But they also handle customer service issues, fraud detection, etc.
They don't issue you your merchant accounts, they are probably an ISO, who deals with different banks who approve you the merchant for the account.
If I was running paysites and not stores, I would probably use someone like netbilling, jettis, etc for fraud controls, etc.
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