I know I am new to posting, but I go on this board almost every day to view the rubber room. I use heritage. I requested a pay2card about month and half ago. 10 days after I requested it they messaging me telling me that there is problems and asked if i wanted it through different means instead. I said, sure. They paid me through moneygram. Today, I requested 1.5 bitcoin at around 10 am est got it delivered to my wallet about 2 hours ago. So, I really think its the processor. Unless, there is something else we do not know. Set up a bitcoin account. It took me 2 days to figure it out. Use airbitz. If you use them you dont need all those other exchanges/wallets that they said you need to set up as well.