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well the common wisdom is that if you are taking alot of traffic from affiliates you won't be able to hang on to a merchant account, that's pretty obvious since u don't see any large programs using their own merchants anymore - you get TMF'ed on your own merchant account and you can't go back to 3rd party - well not without some hassles setting up a new company with you hidden in the background.
merchant account is a good thing to have in case of disaster in the 3rd party processing biz or if you run paysites without many affiliates.
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I moved my sites to Vacares Hosting. I've saved money, my hair is thicker, lost some weight too! Thanks Sly!
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