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Let me see if I can make one thing perfectly clear here, that might help shed some light on at least part of what I see being discussed.
Whoever takes the credit card -- be it a third party processor, the Hun getting a merchant account or someone else with a merchant account, the credit card info is NOT able to be shared with anyone. The person that TOOK the card on their merchant account is obligated to hold that number and not to let anyone else see it, use it, or have any clue what it is.
The cc's are also quite specific on what they allow and don't allow as far as security, whether you are a third party or whether you have your own merch acct. Online transactions are more heavily ruled upon and watched after than ANY others.
You fuck up, you not only lose the merchant account, you go on a banned list of people that will NEVER get a merchant acct and who are disqualified from third party type processing as well. forever.
Back to your regularly scheduled bitching.
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