If you're processing payments using EFSNet and Optigold / CCAuthorize, here's a heads up for you on future certification issues. I received a call today from First Data/Concord saying they've acquired EFSNet and in the near future Visa will be requiring certification that the merchant is CISP compliant. I think the essence of this is that you'll end up having to pay for an assessor to visit your operations and show proof that you do not store CVV2 or Track Data strings (which is NEVER allowed...). It would probably be OptiGold that should get certified on behalf of the merchants using it, but not sure Shawn will want to go through that if there are only one or two EFSNet users. FWIW...