Thanks for the info takezo3001m and yes you are right, I also use Direct Express. So I guess with that in mind there is no point of me attempting purchases here any longer. Sad that an American company wont accept an American payment, even more sad to a lot of merchants that will not have this method as an avenue for sales. Guess I will head over to the other guys (reluctantly) because I wont revert back to paypal and all their stupid fees, etc. As I said before though, some of the best merchants and deals are here. As far as Tennessee rules, well a wild guess here but I am pretty certain even folks in Tennessee are paid this way each month as well, and probably have no problem using the card about anywhere they shop, etc