ill try to shorten this down.....
i have started a workshop for Birding photography,Around Australia and over-seas, now i have all the insurance, business account etc, but to apply for a merchant account for the business the bank has said that i need a AFTA (Australian Federation of travel Agents ) license as part of the service i provide is the accommodation.... ie the package price includes accommodation, the workshop and any park entry visa's ( when over seas) and mini bus hire... its not a cheap license (around $1700 ) ...so the question is.... do i really need one? do any of the forum members have one? cheers in advance.