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I don't see this as much of a big problem....build your own processing system instead of using a 3rd-party (as you'll have to follow whatever rules they put in place).
Now obviously this means more hassles for you, but in the long-run even without the fact you can pretty much do as you wish (long as you keep those cb % down), most processors/gateways charge quite a bit less % than 3rd-party billing.
Something to think about ;p
This is not to bash any 3rd-party processors out there, as you do your jobs well as a "service". I'm just wondering why more people (especially who have the money), just don't invest a little in their future.
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