[Rolo]

I think processing will get more expensive/risky next year, if you want to continue using the current recurring billing model.

Programs with 3rd party processors will have a hard time keeping the current sales with the same amount of traffic, because processors will scrub harder and some banks (cardholders) will blacklist 3rd party processors doing high risk internet transactions.

Programs with their own merhant account will have to process at minimum volume to keep their accounts + there will be more background checks on who controls the account. This means that programs can be out of luck getting a merchant account, unless they are prepared to do some investing.

However most programs will probably not fold, unless one of the big 3rd party processors stops doing business. But due to the hard times ahead I guess many program owners are looking to sell...