[bcooks]

The first few items on your list are actually a part of what we meant by "having billing history with us". There are a number of things we look at in that bucket. We use these items as a part of validating users before taking any action (yes, we clearly failed on this account due to the credits which is a clear bug). As far as offering things like a copy of your business license or other means of verification that isn't a bad idea. As an example people paying with POs today are excluded from the algorithm already.

[kijin]

Please make it official, so that people can have peace of mind knowing that they've got that "verified" badge. People hate having to wonder whether they're at risk of crossing an invisible, inscrutable, and constantly changing threshold. See: PayPal and AdSense account forfeitures. You could do so much better than that.