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You have a lot more risk with your own merchant account. In most cases you have to personally guarantee the money when you are doing very large sums in adult entertainment or other high risk categories.
You have complete control. Sometimes that can be a lot of work.
I've had both and the first time was early on when the Net first started and it was a total fiasco beyond belief. There were so many software glitches, connectivity problems, dealing with the DAK's when you handle your own customer service, it was a constant headache dealing with it all.
If you grow fast into significant volume be prepared to put your real estate or other assets on the line when you ask for a limit increase.
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