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question that I deal with your is for start-up payment processors and what if any licenses that requires and in a trip theres two real traditional senses of a payment processor one theres the payment processor who is not in the flow of funds between the merchants and the acquiring bank the acquirer right and that parent that payment processor is providing software as a service to facilitate that credit card transaction and then theres a payment facilitator or pay FAC which is in the flow of funds right which is actually collecting the money from the the the merchants passing it to the acquire and the Enquirer is paying back to the to the merchants and so the question becomes what license do I require and in the payment facilitator pay fact model the general rule is that you would require a state money transmitter license and theres 49 of them Montana not having a money transmitter license and the District of Columbia so to really operate the United St