The other legal piece of this is pretty interesting.Visa wants information about you through the third party billers but DOESNT want to have a binding contract with you.That way if they decide to cut you off you seemingly have no legal recourse with them,the third party biller shugs their shoulders and points their finger at Visa and says they had to cut you off.
But my guess would be that because Visa,the banks, now has access to your info directly theres an imlied binding contract and their subject to Class action suits.Ones that point out that other high charge back enties,non adult ones,arent subject to the same standards.
Id also say the Third Party contracts need to be rewriten to allow Third Party Billers to pass your personel information on to the banks,much like merchant account information,but you dont get the legal luxury that a direct contract affords it would seem.
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