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The #1 reason that every established program with REAL sales/members should have their own merch? Control. By utilizing a 3rd party processor you are putting your company at huge risk. Top Bucks and Twistys are well established programs with quality members databases I'm sure...yet you both have to suffer huge losses because of the irresponsibility of so many other companies under the same processor. And lets not forget those processors that have completely closed shop and subsequently shut down entire programs/companies.
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