This problem should be of interest to merchants who depend on the reliability of credit-card payment processing over the Internet. I seek your advice on behalf of a young entrepreneur based in Oregon. Her business is routed through a web site - the merchant, to whom I am trying to transfer funds from my Mastercard account. The payments are being blocked with the message, "Issuing bank temporarily unavailable". The issuing bank insists it is indeed available to transfer funds from my account in t