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				The bad news I see with this is that Visa will be less than thrilled to see iBill back dooring the Visa transactions. iBill would respond of course that this is all legitimate and not against the rules, but at the end of the day Visa went through great efforts to establish parameters on how adult transactions are handled in the United States and iBill is playing near the outer boundaries of the rules rather than squarely within. That cant make Visa USA all warm and fuzzy when they think of iBill, which in turn cannot be seen as anything but a bad thing.
			
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 Yep and the trickle down could effect how Visa does business online and effect CCbill and other processors in a very negative manner.  Visa will not make a guideline just for Ibill if they dont like what they are doing.  They will make a policy change that could/would effect the entire industry.  
Glad to see Ron speak up in this thread..  Im sure he as a strong interest in the finaly outcome of all this.