Well Balanced also offers a service that some claim is illegal: http://news.ycombinator.com/item?id=5299327

And has yet to offer a response other than "thanks!"

I'm also not sure how many customers Balanced has or what kind of volume they're doing, but I suspect that they're taking o a whole lot of risk with next day payouts that Stripe and Braintree refuse to take on. While some businesses may like this, I find it worrisome.