Great work there mate, saves me alot of trouble dealing with this ill informed chap.
Also, @OzJ, ECB license for ISX is not from Bank of Lithuania as you strongly stated. It is from Central Bank of Cyprus.
Now why would ISX want to hold the merchants funds in their accounts when it's way more lucrative for the merchants to be actively depositing and withdrawing/sending their money out of these EMA accounts. It's a bloody brilliant business model.
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