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However, I don't work closely with CCBill... I feel like a number.
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If you feel like a number with CCBill, just wait until you play with iBill. In my experience, CCBill treats their webmasters MUCH better than iBill. CCBill's support has been excellent for me, but I can't say the same for iBill. But anyway, my experience thus far has only been with CCBill and iBill, and I can defintely tell you that I prefer CCBill's service about 100 times more than iBill.
Additionally, I DEFINITELY prefer CCBill's affiliate program over iBill's revshare program. So do most webmasters, in my experience.
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I don't bother with their check option because I think I lost as much in chargebacks as I ever made with it.
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I think the term chargeback is inaccurate here...I believe you're just referring to checks that were returned with no such funds in their accounts. Think of it this way, even if you make just $20/day (after taking out the money from the returned checks) with online checks, then it's $20 more than you would had otherwise
In my experience, check subscribers let their memberships recur for more months than CC subscribers, so you might want to re-think that.