Thanks Vince, this totally realigns my thinking. I had been assuming  
you needed the original number to issue a refund.

I will definitely be more inclined to switch to a merchant's account  
as some point, since PayPal WebSite Payments Pro already has caused me  
to build most of the infrastructure that would interact with a  
merchant gateway's APIs.

Daniel

On Dec 23, 2009, at 11:45am, Vince LaMonica wrote:

> Going back to the original point - you can opt to collect the  
> numbers and
> CVV number [though storage beyond a few seconds is not allowed], but  
> there
> is no need to, since the gateway has that info and you can issue  
> refunds,
> etc via them w/o having to know the original number.

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