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A friend of mine just had her merchant account frozen when she went above the 1% cb ratio. If you're not doing big numbers, it's easy to push past that 1% when a couple of members chargeback for a lengthy membership (3+ months).
She switched all of her sites over to PSW Billing & says she's making more sales now than before, plus less admin hassles.
But I've heard plenty of people swear by their merchant accounts too...so I guess you just need to find what works best for your business.
Good luck!
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