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3rd party processors are a fucking scam. They want to make you believe you can't function without them, but with current Card Association regulations, they are redundant. They just won't admit it..
No one can give any good reasons why a company who does more than 100 chargebacks per month would be better off getting fucked out of 12-15% by some rip off company with generic customer service that is not specific to your site. Each account is responsible for their own transactions, so why do people still endorse this façade of umbrella protection? It's bullshit.
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