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I didn't see it mentioned here but one thing I noticed when making a choice for a secondary processor was the fees. Have you looked at Zambaio fees? They charge for chargebacks, they charge for checks, they charge for pretty much everything, and the most disturbing thing I found was they had clauses that can be interpreted the wrong way to basically shut you down at their discretion. Plus there's alot of mystery around how they're managing to get around the Visa registration fees and process in the states. It might be cause they're the new kid on the block who knows. I don't want to talk bad about them so I'll leave it at who knows.
So if all of this is worth the 10% difference then I'd say go for it, but be aware of what you're getting into and be prepared that they could fold or change drastically at any point.
Where Epoch is concerned. I've never been a fan of Epoch. Something there I just don't trust and although I have nothing but my gut to back it up, I just find them very lacking, and as far as support goes I found them rude as hell. I will not accept any phone jockey telling me "well too bad that's how we do it" when I asked a polite question of "is it possible to have.. cause we have it set up this way." There's a certain level of politeness you need to show clients and in my opinion that's not it.
Zambaio I called three times and three times I was told someone would get back to me. That was in December. Still waiting....
So in my opinion both companies have support issues.
CCBill/Epoch charge a higher rate but they don't nickle and dime as much. At least CCBill doesn't. I dropped Epoch as soon as I got that reply from a phone jockey.
So in the end the 10% more you spend today might save you more in the long run. Plus you're judging them on the out the gate price. Have you spoken to a rep and tried to negotiate a better rate.
I know with you can negotiate rates with both CCBill and Epoch. I have friends who just started with CCBill and they're not paying 15%. Last year when I was considering Epoch they offered me around 13% to be a secondary. So there is room to wiggle in their rates. You just need to be aggressive and confident in your product and they'll play ball. In this economy no processor wants to turn a customer over to the competitor. At least in my opinion.
One final note is have you considered Segpay? After dealing with Epoch and Zambio and not feeling right about either of them, Segpay finally won me over in the long run, and I'm actually happy they did. They're support and rep went the extra mile setting me up, and walked me through all the steps I needed to get things rolling. So if Segpay is an option in your books I'd suggest them over Zambaio or Epoch. I also believe their rates will be lower than 15%.
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