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If you don't then great, but most of the people here who had merchant accounts now use 3rd party because it's just cheaper and easier
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I hope you just realized you are full of shit......
furthermore
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If you go over and they don't feel like extending you more, they consider you in violation of your limit agreement and hold the whole damn lot for as long as they feel like until they think it's safe
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Man...get a clue.....if you are sending bonified transactions they are going to turn down your money? I think....ohhh wait I know...they wont.
If you cant run a business as a professional, covering all bases...then go ahead and use third party.
all I know is Id be pissed if at the end of the year I gave a third party 150,000 for pretty much tossing my salad with fees and admin......I prefer to lick my own asshole and wipe it with the money I could have shit away with 3rd party.
Hers the bottom line.........either go for the gusto....or you can just be average. either nickel and dime........or you can have your bank teller blow you just for walking in the door.