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I think Epoch and CCbill do a great job in a difficult industry but there is a plus side to having your own merchant account the obvious one is that the fees are far lower . But the most important one to me is you as the merchant have the right to dispute potential charge backs and you as the merchant control refunds. Admittedly there is also a lot of work involved in running your own account but with greater control over CB's a webmaster willing to run his company in a professional manner could have better results with their own account ?
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