LOL most of those read like scammers who got caught in delayed fraud review.

The way it works at most payment processors: since an awful lot of people churn / decide to do something else / don't sell anything, they'll let most anybody sign up and start integrating, accept a few payments, and THEN have a human do the detailed account review.

This avoids wasting time reviewing accounts that won't ever process a payment - but it also produces irate fraudsters, who went to all the trouble of integrating only to have all their payments reversed to the customers.