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I think all it means is that, if you had a customer sign up for a membership you have to give them the access period that they have paid for.....no big deal, nothing sinister.
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"(a) CCBill will shut off all members who paid for a months access and refund their money? In that case the "shut off date" is not November 15th, but October 15th."
I don't know how you work this out....the deal is, as I understand it...no rebills for Visa will be made after the 15th Nov...when a rebill is due after this date, it will just show as a decline and their membership access will be cut...
Online Checks etc are not affected.
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