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If you have your own merchant account, then you can also use many of the 3rd party processors backends... ex. Epoch also do processing for merchant accounts - you pay to use their system... just the same as with netbilling.
However getting your own merchant account and running it is different than using 3rd party... it might give you more control, but if you are thinking about doing volume processing, then it take some thinking... ex. using multiple bank accounts in different banks doing daily transfer to secure your cashflow, so you do not wake up one morning without money becuase your account is frozen (too many chargebacks etc.).
Do not put all egs in one basket - even if its your own basket. If you can, then use a matrix of different processors AND different payment options!
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