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another thing,
merchant proccessing you still pay 3.9% + 5% rolling reserve
if you go with third party and do lots of signups you can get 10 - 12 % which is worth it more in the long run, because they cover the chargebacks and do not charge you for them
when you get a chargeback and you are your own merchant, it is quite costly.
you have to look at some of the big affiliate programs, they use third party for a reason, because it is more stable of a method for billing then doing it on their own.
you gotta think, if these extremely big affiliate companies could cut their costs, and get more agressive with their billing structures they would, but its just too damn risky to even dip your toes in!
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