Originally Posted by Barefootsies

Not all merchant banks are the same.

So CCB may use one merchant bank that is very lax on what is allowed, and EPOCH could use one that has stricter rules. Same as Verotel, or overseas processors can have rules, or lack of rules, that U.S. companies do/not have to follow.

I have seen this myself over the years personally, and those kind of disparities do exist.