Prior to presenting the card, I had obtained a letter from Visa International stating that refusal to accept a Visa card by a merchant is a contravention of their agreement. Although most attempt to, a merchant cannot limit acceptance of the card. You either accept it or you dont. When in doubt they should read their agreement with Visa/Mastercard.
Merchants do not have an agreement with Visa or Mastercard. They have an agreement with their bank, or its agent.
Banks in the US are not governed by Visa International. They are governed by Visa USA.
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Craig