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In case a lot of you did not get the entire gist of what visa is doing... They have made it so that everyone who uses PSIP's (third party billers) are now essentially under the exact same canopy as having your own merchant account... you don't of course, but you do have to follow the same regulations/ratios as if you had one otherwise you'll be terminated. In other words, you are now paying 15% of your cash for no extra protections.
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