No one has yet pointed out the obvious. If you process with iBill, CCBill and Epoch you ARE in danger of being blacklisted by Visa because the Big3 have to report your URLs, name, SSN# etc to Visa from day one. They also have to report your chargeback %. The day you go over 1% is the day you end up on the Terminated Merchant Blacklist. Supposedly Visa will then ensure that NO OTHER processor at any time in the future takes on your site. You are permanently blacklisted.
The offshore processors like Dutchbill, Globill, Verotal do not do any reporting so if they terminate you for high chargebacks, it would be at the billing-level only. You could then go with another 3rd party processor since you are not yet blacklisted.
In other words, if you start with the Big3 and get terminated it's game over! If you start with an offshore processor and get terminated you at least get a second chance.
But it's still a fucked up situation no matter how you look at it!!
