[cflsystems]

This material is so confusing (the PCI) in any aspect that you have to go to the source. Don't count on forum users to tell you what to do as most of us don't even know for ourselfs. Ask the payment gateway what they mean by that. Ask your bank if they will accept something like this and if not what they will accept. Read the PCI docs - they do mention scenarios when you develop your own payment application - if not clear email CC companies... And keep records of everything they tell you and who told you what so you don't end up being blamed for something,...

As you can see in this thread there are so many questions and not a straight answer to any of them...