Quote:
Originally Posted by MRock
I had my own merchant account with my first voyeur cam site ... went well the first few months ... then I got some charge backs ... had to give back the 19.95 membership AND a $60 fee! It started eating up my money. Switched to third party billing and never regretted it or thought about my own merchant account again.
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The issue is not the chargebacks. Believe me you will pay for them one way or another. It will be folded into your costs with any aggragator. Risk tolerance and control over your client list are most important. Should you choose to move to another processor, you are free to go. The extra conversions you garner far exceed the cb fees if you are prudent and honest. Aggragators scrub very hard as so they should. It is, after all, their merchant account that they are protecting. But as a primary, having a merchant account should make you a better earnings ratio.