They all become paypal in the end, that is they engage in account holding, closing, freezing etc and the user can't penetrative their opaque decision making pro

They all become paypal in the end, that is they engage in account holding, closing, freezing etc and the user can't penetrative their opaque decision making process to resolve it. It can be very damaging to a small business or startup to suddenly uddenly find their funds, which usually are required as operational capital, unavailable to them and a 60 day freeze and multiple hoops to jump through to get them released.