In any case, if you have some experience and the ability to use your own merchant, it is better to use the merchant.
The most famous Billings live in 2000 and want to get up to 18% for their services + some extra fees! If some Billing have low percentage - they have monthly fees, etc.
However, they immediately want the company's turnover was about $10-$15k monthly only for them! But for good card conversion you need use cascade of billings, that divides the total turnover in several parts.
Every year, new laws and whims of payment systems: payment for the use of MasterCard, raising penalties of chargeback's VISA, EU VAT's etc.
Try use own merchant + some billing and compare!
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