Originally Posted by kristin

You're own merchant isn't always the best solution. Processing fees can be just as high as with a IPSP. The main thing that a merchant is good for is to control the scrub rate thus allowing for more joins to come through.

We see little fraud and such on mobile so the scrub is less on that than our PC. Hence why our mobile runs on merchant and PC runs on IPSP. But the fees are about the same if not higher.