If you are a merchant such as the guy who started this thread and you are approved to take take credit card payments, then you WILL have to wait 7 days before they release credit card payments to you.
I own BYC.
Once you have proved that you have no chargebacks or complaints after a couple of months, you can request that they lift that 7day hold off your account.
They have always worked that way.
Can you imagine if someone opens up a program, get approved to take credit card payments, then the members do a charge back? The bank would issue the chargeback against Alertpay and Alertpay will have to fight it. But if the owner of the program already took all of the money out of the account, Alertpay will be responsible for paying the chargeback.
So I don't blame Alertpay for putting a hold on funds. It is for everyone's protection.