Visa, page-85

From memory:

the problem with Visa making this change is it can affect smaller participants in the scheme which reduces competition. They need to conduct their business in a manner that fosters competition- that's what the EU wants

Visa suspended ISX due to brand damage from ASX issues and derogatory media, while conducting investigations

ISX has finally dropped Visa contract due to Visa changes, hoping SEPA instant upgrade will compensate for revenues lost from Visa.