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I agree - and I understand that's where the difficulties with Stripe and Paypal come in - they are significant targets for fraudsters. Braintree do the verification stuff in advance - it takes a week to get the underwriting out of the way, ID checks, looking at the business model, probably credit check etc. Then it's done and a sensible business can relax and rely on it. Stripe's model makes it difficult for businesses to count on the service.
What about https://www.alliedwallet.com/ Did anyone know about them or used them?