There's fees involved no matter which way you go, they are just packaged under different names.
CCBill takes a percentage, but I don't know what it is.
If you go on your own, you have to start everything from scratch. Merchant account, registering the business name, processing scripts, qualify for credit card transactions, bank fees may apply,...
If you go with CCBill or a company like them, some of the hassles of going solo are eased a bit.
It's just a matter of researching and weighing your options.
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