[JimtheCoder]

Based on my experience, the harder and more in depth the approval process the merchant account has, the less likely these types of problems are to occur.

Places like Stripe have a seamless sign up process and easy integration, so a lot of people like the convenience and the low "touch".

But, as someone who runs with traditional merchant accounts and such, the more "touch" and eyeballs from my merchant account provider on what I am doing makes me feel a lot more confident. Things get mentioned and suggestions get made BEFORE the money comes into the account so everything is kosher...not after the money is made.

Sometimes a little PITA upfront is worth it in the long run...