Be sure to read Dmitry's Blog. He is out of town.
I saw this on one of the boards:
"just got this from Dmitry (or whoever is there answering mail):
It (instant creditor) is NOT stuck. These clients changed a minor thing on their end and our creditor needs to be upgraded every time they release a change. We are going to upgrade this change today and then reset the creditor. They don't tell us when these changes happen so it's always a random surprise. Feel free to post this on the boards.
Thanks."
HTH