What company are you talking about again here? Alertpay? I think they are by far (with short list of others) the best international processor - payprocessor. They do not break the rules because they know it could effect other merchants . Do some web -business owners think the world revolves around them? lol
Plus you may want to look at what they are basically saying here: You have an issue with your account and its practices.
I have worked with Alertpay for just over a year - not a single problem with the businesses I have with them- the best voice support/email support. The only thing is they could probably get a live chat system (like on some websites for people of other languages and those that prefer to type - need an answer asap) but outside of this it is a very good service (bottom line).
ALERTPAY IS THE SHIELD PEOPLE SHOULD BE USING TO PROTECT THIER CUSTOMERS IMPORTANT CC DATA IN THE WORLD MARKET!