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ccbill/ibill/epoch all have mass trasactions and can easily balance chargeback % so that their merchant doesn't get in shit.
If you get your own merchant.. you'll have to pay for the gateway and actual processing on top of the merchat (SSL certificates are what.. $900/year from verisign?) and other shit. if your CB ratio goes over 1% your merchant gone and banned forever from all TYPES of 3rd billing..
I know people who lost thier merchant doing a pornsites.
Also IBILL provides a nifty partner program ;)
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