So does anyone here actually do their own processing?

[Forest]

or is everyone just sending traffic to a program or using a 3rd party biller like ccbill

if your doing your own processing thru your own merchant and doing atleast 10k a month in billing hit me up. I have some great stuff going on

[DannyCox]

I only use my merchant account for hard goods. Stay with 3rd party for membership sales.

[pam]

Same here -- merchant account for tangible goods, third-party biller for paysites.