PaymentWall was fine as I used it to pay by VISA for a couple of online merchants. Issues began when my spouse wanted to buy something for me.
A month ago my spouse wanted to buy a couple of skincare items for me online from a website I have ordered from numerous times. He used his credit card with my shipping address. Suddenly, our account was flagged and automatically blocked. I understand they want to be secure and avoid fraudulent activity by taking extra measures - and extra measures they sure did. However, the items they request for in order to unblock your account are a bit of a stretch and even though we provided all the documents they requested (like taking a selfie photo while you hold your driver's licence for ID), they still do not approve our online purchase and we had to resubmit our selfie photos all over again holding our ID's. Strange process that is not efficient - if they were more efficient in processing their verification methods, that would be fine. So lesson learnt: if you ever see Payment Wall, ensure you are only using your own personal credit card. If you want to use a credit card with your spouse's name and the shipping address is in a different name, don't be surprised if your account is blocked and it's a tedious process to get your account unblocked