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Here comes the harder questions...
The #1 reason for using a processor (and swallow the 9-15% fees you guys give us) is the cushion you have provided us from having to get a merchant account for adult and risking having our merchant account stripped... forever (in most cases).
Now that this isn't the case and you won't be able to offer that protection since everyone will be accountable for their chargebacks, what's the advantage to using a third party payment processor outside of scrubbing and check cutting-affiliate services which can be done by some companies like Netbilling for 2-3%?
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