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Been reading the posts for awhile and decided to log in and help answer some of this stuff.
Re Visa - the regs state that a bank can only acquire payments from merchants located within their domicile (i.e. US bank - US merchant, EU bank - EU merchant, etc) so you won't find an actual US processor that CAN sign up a Non US merchant. #rd Party and IPSP is a bit different - can explain that later if you want.
There are only a couple of banks in US that you can get an actual adult merchant account through - same with EU, Asia, etc. Most of the rest is going through all those others as have been mentioned and they all are under the scutiny of the card associations right now - no matter where they are located and if they charged a registration fee or not.
Cheers
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It is always the best policy to speak the truth--unless, of course, you are an exceptionally good liar.
Jerome K. Jerome
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