As been said it sounds too good to be true, but what if it is true ? Thomas seems to have fielded every question, good job Thomas...
We always been happy with CCBill, except for the 17% + 5% holdback

22% sucks...
My only concern is the intergration for the affiliates, we dont want to go down the Nats route... so the built in CCBill affiliate tracking is perfect for us...