most programs will do this generally, - it seems to have become the industry standard.

just think about it like this: What about if CCBill or Epoch ever went tits-up? (stranger things have happened! - ala epassporte and ibill)

Each risk needs to be assessed with what you are personally comfortable with. Everyones Risk Factor is different.

Surely putting all your eggs in one basket is worse than multiple? (not that i have anything against CCBill, just trying to make people think though )