I've thought the same from the start why the funds in virtual are blocked, pretty obvious really, and epass knew this thats why they introduced the wallet. But it would of been nice of them to explain more when they introduced it, but then again they would of been concerned about causing a panic, imagine if they said "weve introduced the wallet just in case our bank or visa decides to stop our program and hold all your funds, so use the wallet", wouldn't of given us much confidence in the epass system.
There'll be transactions still not processed, and theres also the chance of chargebacks, fraudulent use and other reasons they would hold the money. A review of Visa's or the banks Visa program merchant account terms would say how long they will hold funds incase of program termination.
So as long as the funds really are there and as epass say the funds are safe, thats when the funds will be released.
Visa or the bank probadly don't know (or care to know) which epass accounts might have problems with transactions yet to be processed or my get chargebacks, thats epass's side of the deal, thats why all funds in vitual are blocked until they are certain no more transactions will be processed.
I've had Paypal and Nochex accounts blocked from my ebay days, and its 90 or 180 days before they release the money held.
Good post SomeCreep, but I'm sure the fuckwits here will disagree
