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Czuch: Yes, you are right. The act did not specifically ban online gambling, rather it outlawed the financial transactions to gambling providers, which would include direct transactions through credit card etc. (as you state), but also includes transactions through the likes of PayPal.
Hence, as you are experiencing, it is very difficult to get the money into a gambling provider, more so as the overseas providers also check users ISPs to ensure they are not from America.
(hide) Play a game in real time with an online opponent! For this to be possible, you and your opponent have to select the action "Move and stay here" as default and then reload the page with the F5 key! (TeamBundy) (show all tips)