Originally Posted by SPW Guru

28.Why don't you use third party billing at karups?
Mainly because we don't have to. Karups has been around since 97 and has been a power house in updates and member satisfaction. This gives us the advantage of having a ridiculously low charge back rate on new memberships. Combine that with a huge member base and one of the strongest renewal rates around and you are left with strong financials and reserves to prove we are not going anywhere. This makes us look good to processing banks. We have had our merchant account since 2000 when we had issues with a third party company that had previously been handling our billing. By using our own merchant account we see several advantages like we can accept from more countries then most 3rd party billers. We also have much looser scrub rules. If a member charges back to a 3rd party company that card becomes blocked and usually this is for our protection as webmasters. The flaw is if he is charging back cause he was scammed on a cross bill or because the site didn't deliver what he promised that does not make him a bad customer. However he is now blocked form buying porn via the big guys. Handling this in house and managing the list of subscribers against previous accounts and several ?internal procedures? allows us the ability to accept on average more members then other programs. Not to mention by going direct to the bank we save on the processing fees and pass that onto our webmasters for higher earnings per join.