To further explain my money laundering comment. Located deep within the T and C for merchants from the Credit Card Companies, are descriptions of prohibited acts such as the crediting to another account of a refund. (many people do not read all the small print in these T and C's because it usually is 30 to 60 pages of "Lawyer-speak") Also included is a statement about the the signing officer of the company not be able to use his own credit card thru his own company's processor. These are all to prohibit money laundering and "Instant loans" from the Credit Card Processor to the merchant. (Discover/Novus agreement specifically mentions money laundering) The Money Laundering would occur when someone pays a merchant money for a supposed transaction and the merchant refunds the money thru the Credit Card Company. When you transfer money thru a Credit Card Processor that does not have a legitimate basis, then that can be called money laundering. The refund to a different card is not a legitimate Credit Card Transaction. (Similar to me giving myself a Credit Card Refund to my own card, or another, without actually making a sale.)