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I would call all 3 of the larger ones, ccbill, epoch and ibill. You do not have to use their affiliate programs. you can use your own with any of them. Large companies are with epoch because of the opt out cross sell... keeps the transaction count high and the chargeback percentage low. CCbill/iBill is the way to go now-a-days
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Racecar spelled backwards is Racecar!
A MAN A PLAN A CANAL PANAMA
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