I have run into this scenario much too often where a merchant is conducting business via his/her personal account. 20% of my funding inquiries fall under this category. I can of course tell them to open a business account - but that does not help me or the merchant at that moment. Any ideas because I see this trend continue to increase due to internet businesses and the ease with which merchants can attach card processing to non-business accounts. Let me know if you've run into similar situations and/or have any ideas on this front.