> I'm being treated like a fraud and a criminal > Now whenever I call they are extremely rude telling me the account is closed they're holding the money and there's absolutely nothing I can do. > They have been rude, lying, inconsistent, unfair and have made 0 effort to resolve this amicably.

Sorry to hear your story. This seems to be a pattern with Payment gateways. I had similar with experience Gumroad. Their Customer service is rude - i left a note here few months ago for their future customers. https://news.ycombinator.com/item?id=13139000