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i am sure nocreditcard and goindirect, each making dozens of millions of dollars per year, would argue that their financial status is better than most of those who call them a dead industry...
in answer to your question, it really depends on your traffic. if most of your traffic comes from North America, West Europe and Japan - you will make more money with a dialer than you will with a CC processing gate.
try nocardsnetwork.com. they are part of nocreditcard - but with better customer care.
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