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Why i don't like 3rd party processors (i.e. Epoch, Zombaio, Segpay, etc) - they scrub (dont let through) waay too many transactions, and therefore you lose potential members and money. Their join pages are also designed in a way that scare away a lot of buyers. For example, their join pages often have big, highly visible text about reccuring prices and membership conversions, that scares surfers away. Also, cross-sales (extra revenue that you can't survive without) are not an option most of the time, or too, written in big red text that scares away the buyers. 3rd party processors do it to minimize the chargebacks, but you lose a lot of potential buyers.
With your own merchant account you can design your own join page and find a perfect balance.
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