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High risk merchants are always more expensive than 'mainstream' merchants.
You can get your own high risk merchant account at much lower fees (5% or less), but then you have to take care of your own customer support, fraud management, affiliate payouts, programming (merchant integration, password management, etc.). All these things cost time and money (a lot more than people realize). So in many cases you are better off paying 10-15% for a full solution.
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