The situation is very stupid by the way.
These rules, IPSP, are illegal probably themselves. I doubt that Visa or whatever else business is allowed to discriminate further than Your federal law does.
Are You allowed in USA to provide services to certain nations for example only? Say restaurants for white people only?
I dont think so.
The USA law defines corporation in many cases (LLC I think for intance) as a singe responcible party with all liability on it's own shoulders.
Basicly if You got a corp. in America it's good enough to do business in America by law since the corp. itself is responcible and can pay taxes.
If a public service, and on top of that natural monopoly on the market (adult e-commerce) , is making differencies in between different types of companies and requests basicly an american citizen to own that corp. to do business with that corp. , i.e. goes further than the law itself does, that's basicly discrimination, antitrust laws violation and probably illegal.
The problem is , neither You neither me are not allowed to object because we have never received or saw these rules officially. Only IPSPs did. Therefore they are the one's who are supposed to complain and with all the money they make they must be in power to do so.
But what happened is that US IPSPs simply were happy to use the situation and basicly killed all other third party billers using theese rules which probably were created for their own restriction.
The VISA idea was basicly nice as communism. Let webmasters work with IPSPs which are in their own region for further control and more responcibility, which You cant really say we dont need looking on some of us in this industry, however the person who wrote THESE rules should probably be killed for stupidity and lack of our market knowledge.
Because what happened is that Ibill, CCBill, PSW and others became compliant much faster than smaller guys (no wonder eh? with so much money) and rushed to create IbillEU, CCBillEU and so on and naturally were probably complaining every second that the rules which are applied to them should be applied to everyone else and here we are - there are NO more other third party billers with the exception of Verotel probably and the ones who were complaining are clearly braking the rules themselves potentially making You risk again and again and loose money on stupid presence shit.
And mind You - this "principal" stuff unless someone objects seriously will be enforced because sooner or later slow EU local guys will create their own compliant IPSPs, in EU even the law is much more liberal towards pornography , and as soon as there will be a base where to migrate these rules will be enforced because in essence they are good for us.
However there's one small question - what happens to Your rebills and reserves on USA IPSPs when You will be thrown out?
I'll tell You straight away - You wont see them. Because chargeback rate on rebills only without new signups is HORRIBLE. Just cancelling Your rebills will theoretically allow to save Your reserves however look at what has almost killed this business - simply GREED.
What would have happened if VISA would go out of this business permanently? NOTHING. In 3 monthes everyone would be paying with MasterCard and Diners. What would have happened if VISA banned rebills? NOTHING. People pay exactly what they pay for a product. You cant really make how much they pay Yourself, the price always reflects the need. A BMW costs what people pay for it, more or less of course. Without rebills prices will be adjusted and that's it.
However VISA doesnt want to go out of this market. And doesnt want to banish rebills. Because 70% of ONLINE sales are done with VISA, a card for everybody. Porn is almost the blood of internet now. You loose porn and in half a year You'll notice that VISA card is suddenly used less in the whole internet. Because if John Doe uses it for porn he will use it on Amazon as well.
However if You prosecute for FRAUD hard the more people will go into internet shopping being less scared everyday to use their cards in the net where....guess what...VISA holds 70% of online sales. See the picture now?
It's the greed and stupidity which kills it all. Visa who wants it all too fast and US IPSPs who brake the rules they bitch so much that everyone else is braking.