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Originally Posted by Official Babe ... Meaning, all of our money was pooled into one big account owned by epassporte at SKANB? ...

It seems as if on the VISA Card end there were segregated accounts.

Any customer "accounts" are vitalized on the payment agent's e-wallet side ? this is called 'co-mingling' of the customer funds. I won't comment on the legalities involved as they will differ with the local laws where the payment agent does business.

However, these funds on deposit with payment agents are not government insured bank accounts ...