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Thanks Lenny. I answered the question as best as I could. I have been in the industry since mid 1996 and have had the unfortunate experience of dealing with Visa since then. NO one will be left untouched.
I would build sites like Flow recommended. Follow the regulations that have come down from us and OneVerify. We use 2 different billing companies and have adopted virtually the same new policies. SO it is just a matter of time before the rest of them adopt the same.
Good luck with your sites.
-Hank
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