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From what I was told the 1% still applies. HOWEVER, as opposed to the 3rd party billers that don't let you dispute the chargebacks like a normal merchant account, I believe now you would have that opportunity to dispute and show Visa the person did buy the membership etc etc.
You might want to speak with the folks at Netbilling they gave me some answers earlier this week. Price is a little more to get started with a merchant account, but might be better in the long run.
Andy
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