Choker,
You are correct. A commercial account holder can create ePassporte Virtual accounts on the fly and an Electron card is an option. We are able to offer this because commercial accounts are funded by wire and the fraud risk is significantly reduced.
For those of you in the U.S. that can't get a card because you've been declined, I'd be interested in hearing more about the reasons. If you can verify your account (via the pending transaction amount we use to insure you are who you say you are and meet Visa's "know your customer" rules) then there is no reason to deny your card unless you don't have available funds or you're using a fraudulent card number. If the transaction is denied by your bank, there's not much anyone can do about that.
Tipsy -- It's in our own best interests to make the process of getting a card or opening an account as easy as possible while at the same time protecting our product from fraud and thus insuring the success of the product for everyone's sake. We don't sit around trying to figure out ways to make this difficult for people. Quite the contrary.
