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With Epass anyone with a biz account could issue a card to any name, delivered to any address, which makes it a money laundering machine.
Paxum requires ID before issuing any card from what I hear.
That's just one of the differences that I know of that will help them stay kosher and stay in biz.
Most of us have been doing this long enough to know that any company dealing with funds can just vanish, protect yourself and you shouldn't be hurt too bad is something happens eventually.
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