Creating your own biller!

I'm trying to figure out why more people don't create their own biller for the offer their pushing instead of paying the middle man. Its not difficult to find a merchant processor that takes on high risk accounts and its not difficult to own the product. So what am I missing?

i guess you can say that some people are to simple minded to figure that out and to lazy to go through with it.

Do you have an anti-fraud system in place to check for CCs? Also do you have direct connection to apply for membership with VISA & Mastercard?

What do you charge with your business right now?