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A biller that uses a different bank is best. For example, us people in the states who use ccbill go through merrick bank. So to cascade we would want to go through say epoch or verotel.
I, however, would do it a different way. I would reserve my own merchant account using say humboldt bank and then cascade failed to say ccbill who uses merrick. Or cascade to another merchant account using merrick or foreign bank. Trick is to cascade to another bank.
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