Actually, I dont mind jumping thru a few hoops, it goes with the territory. All of the processors are requiring more and more. The contracts get thicker and thicker. They have to in order to cover their ass and weed as many scammers as they can.
That's on the webmaster side though. It needs to be as painless as possible for the users. There's a major trust issue to begin with, and the first time the process starts to look like a monkey fucking a football, they're gone.
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