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they have to cover there end aswell .. im sure they dont want to end up like paypal and having to can adult transactions. Im sure they know exactly what they are doing
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Sure.. hearing you and know well about covering asses!
Who knows if they know exactly what they are doing? I would not rely on that with anyone:-) ePassporte did not originate this scenario, but were provided with a model for mirco payments on the net. They simply extracted the "easy bits" and never implemented a fraction of the better stuff, tho this is practical and now badly needed.
Others are developing the model, with adjustments, and I'm looking seeing this happening sometime soon.