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I primarily use CCBill, and Nov and Dec have been very good. Their affiliate program is very credible as well, and my affiliates do not have to worry if they will be getting paid.
I also offer an alternate tour for a couple of my sites, which use Verotel.
Verotel converts better, but inevitably 50% of all of my Verotel sales come back as credit transactions. In other words, an average of HALF of my Verotel sales get reversed, so what did I gain?
I would rather prioritize a billing processor that rejects questionable transactions, even if the numbers don't initially look so good, than use one that approves everyone and then reverses half of the sales anyway.
Plus, with Visa charging a $500 p/year annual renewal fee for EACH processor, on the heels of their $750 initial application fee, I just can't justify the expense of numerous processors, as my program is too small to justify all of the expenses.
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