To use PayPal's Stealth, for example, you need to constantly study Paypal's security, what changes are being made to the security system so that you don't end up with account restrictions in the future. A lot has changed over the years.
That's right, wise is a shitty company, I had the same experience, even though all my payments were clean. There is a mistake about Stripe, they return the funds to the bank account without any problems, 3 people asked, and 3 helped
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