I had a very negative experience with the service and its US affiliate, and I feel it's important to warn other business owners, especially those with legitimate wholesale or multi-channel operations. Misleading onboarding and poor disclosure were significant issues. I engaged the service specifically for a US business account, the ability to receive wholesale payments, and access to a debit/credit card. At no point was it clearly communicated that I would be onboarded under the affiliate, nor was I informed of its severe limitations. Had this been disclosed upfront, I would not have proceeded. The service had full visibility of my business structure and revenue sources yet directed me to a product that wasn’t suitable. Legitimate funds were frozen without justification after onboarding, despite providing proof of payment and explaining the commercial relationship. The funds were repeatedly delayed, jeopardizing my business cash flow. This was not fraud or a suspicious transaction; it was a legitimate invoice from a known retailer. Yet, access to these funds was restricted. What followed were weeks of circular email responses, repeatedly explaining the same details to different individuals, with no accountable decision-maker and constant shifting of responsibility. Even with clear evidence, the process did not progress, causing significant time, stress, and operational disruption. Because of the service’s referral and the affiliate’s restrictions, I lost valuable time, faced business disruptions, and had to seek alternative banking solutions. This experience could have been avoided with proper disclosure and suitability checks from the start. I strongly advise caution for businesses beyond basic receipts, especially those dealing with wholesale or larger invoices. The service should not refer businesses to the affiliate without clearly disclosing limitations and risks, and the affiliate should not freeze legitimate funds without a clear resolution path. I would not use either service again and recommend that others look elsewhere.
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