The way to test this is to have your tours go equally to your billing partners, in real time. You simply cannot switch out one for the other because there are too many variables.
Write a simple PHP script that effectively rotates between your billers -- 1, 2, 3, 1, 2, 3, and so on. For any time period of the day each biller should get the same number of hits.
Even this requires sufficient volume from your join page (I'd say at least 5-10 an hour), and it won't be a true scientific test if you have cascading. You'll have to go through a day or two without cascading.
At the end of the test you'll know once and for all which biller is providing the better conversions. End of story.
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