thanks Hooper.
this was not making much sense to me.
http://www.netpond.com/threaded/showthread...=&threadid=4784
it seems that there are 3 almost independent forces at work and its hard to get a straight answer.
1) Visa and their rules, policies and descretion
2) the merchant bank, their rules, policies and descretion
3) the IPSP, thier new policies and rules to try to stay alive.