I had a very unsatisfactory experience with the service and its US affiliate, and I feel it’s important to caution other business owners, especially those with legitimate wholesale or multi-channel operations. Misleading onboarding and poor transparency were significant issues. I sought the service 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 eventually be onboarded under the affiliate, nor was I adequately informed of its significant limitations. Had this been made clear from the start, I would have chosen differently. The service was fully aware of my business structure and revenue sources yet directed me to a product that was fundamentally unsuitable. Legitimate funds were withheld without reason after onboarding, despite providing complete payment proof and explaining the commercial relationship. The funds were continually delayed, jeopardizing my business cash flow without valid justification. This was not fraud or a suspicious transaction; it was a legitimate invoice from a known retailer. Yet the affiliate persisted in restricting access to funds that rightfully belonged to my business. What ensued were weeks of circular email responses, repeatedly explaining the same details to various individuals, with no single accountable decision-maker and constant shifting of responsibility. Even when clear evidence was presented, the process did not make any significant progress. The time, stress, and operational disruptions were considerable. Due to the service’s referral and the affiliate’s restrictions, I lost valuable time, faced business disruptions, and had to seek alternative banking solutions. This situation could have been entirely preventable with proper disclosures and suitability checks from the beginning. I strongly advise caution for businesses beyond basic receipts, particularly those dealing with wholesale or larger invoices. The service should not refer businesses to the affiliate without clearly disclosing the limitations and risks involved. And the affiliate should not freeze legitimate business funds while providing no clear resolution pathway. I would not consider using either service again, and I strongly advise other business owners to explore other options.
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