If you have used one before, can you share how it went in practice
-How long did onboarding and approval take for you
-What extra documents did they ask for, and how strict was the review
-What fees did you actually pay (setup fees, monthly fees, processing percent, reserves, rolling reserve)
-Did they hold funds often or cause cash flow issues
-Any red flags you wish you knew before signing
Also, if you think this is a bad plan for a solo dev, what would you do instead
If you can recommend a few providers you trust, that would help a lot. Thanks