Found the application process very and unnecessarily invasive, requiring dozens of back-and-forth emails to provide documents and to try and justify whatever use case we had. In the end we decided to discontinue our application and went with Stripe, who took less than a day to get our account going and we've happily been with them for over a year now, no issues. Disappointing to say the least, I can't see the reason for frustrating would-be customers during the on-boarding process.