I'm not sure they should/will process past nov 1.
visa is saying you have to be in compliance by nov 1. so on oct 31st - you need to have a company set up in a country the biller has a presence - and that you need to have your registration form submitted.
I think the only thing special about nov 15 - is that they are giving people a few more days to get their registration fee in.
Technically it doesn't sound like the processors would be allowed to process for anybody that isn't in full compliance (cept for not paying the fee) after the 1st.
I'm baffled by your situation quiet - you've been talking about serious dollars that are at stake if you lose your processing. Surely you have done business with enough people - that you have a couple US firms that you trust enough - that you could partner with which would allow you to keep on earning ....
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