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Everything Phil said is absolutely true...... smart kid..
Only thing I might disagree with is his comment about a lot of small amateurish sites. The reason being is that I believe the card associations will ban aggregators/IPSPs at least within a year or so. And if Verified by Visa is universally required in a year or two, there will be no more recurring billing anyway..
So.. I have a secret solution I guess...
But oh well.. we'll see what happens.....
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