My apologies. I can say that's highly unusual and there's no excuse for it. Can you email me directly at [email protected] so I can straighten this out for you ASAP?
We'd love to. We're definitely not done introducing our product to other countries. If you go to https://www.braintreepayments.com/tour/international and click on the link to the right that says, "Not in Canada or the EU?" that will put you on a notification list for when we are in your specific country.
Stripe does provide you with a merchant account (https://stripe.com/terms). They just make it a simple process by asking for as little info up front as possible. There's advantages to this such as a quicker sign up process. But the disadvantages are that you may have issues if your company grows too fast, if you get too large of a transaction size or a host of other risk issues. Your best protection against these is giving the bank the option to perform a thorough underwriting. Disclosure: I work at Braintree.
This is a recent policy change for banks. Banks hate chargebacks. Taking credit card info to be charged after a trial period is up, is a reliable recipe for an increased amount of chargebacks. It is unfortunate and there's been talk of this policy being altered or at least loosened, but who knows?