It's super hard for me to change my billing provider. I almost certainly wont, but this is a huge reliability red-flag so I am going to put together a backup system, and my current WIP will have at least 2 providers.
It has been a long time but IIRC, I had to send them scans of my ID, articles of incorporation, etc. I am an USA Person with a real business and USA based bank accounts. None of that has changed in a decade.
The problem here is obvious? One day they decide to freeze payouts, and inform me of that with a weakly worded email saying there is a ToC update. What if I was on vacation, didn't have access to a smartphone to do their Biometrics demand, or just didn't see the email? My business would have gone unpaid until something breaks and I'm scrambling to deal with unpaid bills.