[cflsystems]

I guess it depends of how you look at it. If XC including onsite payments cannot pass validation but passes it without including onsite payments then QT should take them out for the sake of everyone.

It is another question if these payment methods are not enables and used but included in the package - does this makes XC not to pass validation?

I think it is better if XC by default does not include or support "illegal" payment methods. If the XC owner wants to do this and custom code them - let them do it, the liability lies with the owner of the store then.

By the way I have never been asked by my bank or payment gateway to be compliant. I tried to send them info and the answer was: if we need it we will ask you for it. Go figure....

The big guys are looking for any excuse to collect more money from merchants, let's not give them the chance. If XC has to exists with hosted payment gateways only let it be. Better safe then sorry