I had a conversation with CitiBank about this a couple of months ago. Long and involved story, but the bottom line is that if a processor won't accept ePass or other pre-loaded cards it is because the processor has either not fully passed all trust laws, or has been caught breaking some regulation. Apparently any damn fool can get an account to provide processing for "real" cards, but you have to be able to prove you are trustworthy (and not a gangster or terrorist) before you can process pre-loaded cards like ePassporte.
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