Maybe I missed something here, but aren't the cc's held by the merchant account provider, and just an id by you to recharge(recurring or once), which can be disputed. I ask because it's been a while since I had to look at this. So let the OP's question take precedence, and mine secondary if necessary, if not then I'l move it to another post. -- PHP General Mailing List (http://www.php.net/) To unsubscribe, visit: http://www.php.net/unsub.php