Andrew
There is no requirement to store credit card information within Adagio.
I disagree. For anyone taking credit card payments for regular use (OE, IN, POS etc.) and/or recurring charges (monthly payment plans with payment by credit card) the user of Adagio must store the credit card details somewhere. The most logical place is in AR. Using the banks payment processing software that is disconnected from Adagio is a pain.
Given that you are about to experience this problem yourself I surprised at your answer.