> we're not using PayPal to process our SaaS products
Disclosure: I used to work in payment industry.
Unfortunately from the brand's perspective (Visa, Mastercard, etc.) it doesn't matter which of your product is using their channel to process payments, if the business is involved in doing something shady, the whole company will be flagged. If you already passed KYC 12 years ago, but your business _today_ won't pass KYC if you were to apply again, then it's a matter of time until you get kicked out.
No denial that you’re selling software designed to spam. Interesting.
Maybe you should focus on making your business run in the ethical clear first. You’re not getting any sympathy from me that your unethical practices got you cut off from financing.
Disclosure: I used to work in payment industry.
Unfortunately from the brand's perspective (Visa, Mastercard, etc.) it doesn't matter which of your product is using their channel to process payments, if the business is involved in doing something shady, the whole company will be flagged. If you already passed KYC 12 years ago, but your business _today_ won't pass KYC if you were to apply again, then it's a matter of time until you get kicked out.