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Wow a central repository of credit card data on the public Internet -- what could go wrong?
Visa-Net communicates with its members, processors are sponsored members by banks that are full members, only on intranets and WLAN (not sure on secured VPN lines). There is no public access.
Most debit cards as well as all prepaid cards (at least in the USA) are branded VISA or MasterCard -- they will process when accepted for Internet transactions.
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