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definitely go with netbilling. their API is good. I was with authorize.net and usaepay, both of their systems don't offer API functionality that netbilling has. like for instance, if you're running a mainstream recurring site, and want a "cancel my membership" link in the members area, with authnet you would have to manually stop the recurring billing in their interface each time someone wants to cancel.. with netbilling, there is api that you can script into the cancel link that'll automatically stop it so you don't have to mess with that shit.
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