I made that switch and there's definitely good and bad, for me the biggest plus is being able to control the scrub and the # of retries on rebills.
If you have a good idea of what a fraud join looks like you might be leaving money on the table by using a 3rd party's cookie cutter filters. And I did see a very large increase in recurring billing just switching from 3rd party "one try and forget it" rebills to Netbilling's default 4 attempts on soft declines, which can also be customized. I mean seriously rebills nearly doubled.
I also enjoyed getting paid every day with under a week hold, rather than waiting a couple of weeks for my cash to flow to me.
There is definitely a lot to learn though, and it's entirely possible you won't save any money. It's also possible to make some big and expensive mistakes - with great power comes great responsibility.
It's no small task to set up and administer every day, I was ecstatic at first to see all the additional activity but years later I feel that 3rd party billers do earn their money in terms of the additional headaches private merchants have to deal with. I guess you just have to decide if you have the time and energy to get into the learning curve and and roll your own, or pay retail for shrink wrapped solutions.
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