Actually, the full VISA regs are about the size of a set of encyclopedia and are only available fully to association (bank) members. IPSPs do NOT have access to a full set of VISA regs. The banks do not release these.

The merchant operating regs in that link are not even CLOSE to the full regs.

Western union and some of the online debit card/stored value products are having problems due to their use in online casino gaming funding, which in turn is providing avenues for potential terrorist funding.

Blacklists for customers that have charged back in the past have been growing and consolidating amongst processors, so more of them get screened out.

The "tightening" has been going on for a long time. The credit card fraud that was created by the biggest merchants in the adult biz, especially in the early days, has forced the "big brother" banks and credit card associations to do the things they've done, and events since 9/11 have affected EVERY method of electronic funds transfer in the world.