Dude, if you sign up for a payment processor without reading the TOC, you are an idiot. Just straight up. It's a huge dependency of your business and you need to understand the rules. (Silent changes are much more problematic, and I think companies can be legitimately blamed for that.)

> What is the bloody fucking point of rules that cause you to kick off customers if you can't even give some transparency on how those rules work. It's insane and even if it complies with some bullshit government regulations on money laundering, grotesquely shitty of major financial services companies. Users should at least be given the benefit of the doubt and told why they're being punished before being booted.

Your problem here is with United States KYC & AML requirements, not with payments processors.