In comparing private merchant accounts with processors, like CCBill... the discussion of fees needs to be more transparent.

The last time I had a merchant account, 2004, there were fixed monthly fees, fixed transaction charges, and percentage transaction charges. There were set-up fees for gateways and the bank.

At what critical mass of transactions per month, does CCBill's 14% prove to be lower than a private merchant account fees, and at what point is it higher?

Over the years, on these webmaster forums, there has been a benchmark of $100/?100/100€/day in net earnings for sole proprietors. Some of the web masters who work from home, while their sugar daddy partners work in corporate, or real estate, or financial speculation, don't care, don't have to, because they don't have to work at all - beyond blooging as a personal hobby and expression of their lifestyles. Super-sized platforms, with employees, may or may not pay $100/?100/100€/day to their employees (contractors), with benefits, and after taxes.

So wherever one fits with the 100/day net, where does CCBill's 14%, or DHD's 14%, or Epoch (unknown for me rate), fit, compared to private merchant account, to process that mass?