If payout is stuck for "2-3 business days," you still have account access, and you're still capable of accepting funds, you should probably just relax. Odds are that everything will be fine by Tues or Weds. If the transactions are legitimate and you can prove it, then the odds that they'll confiscate your money or hold onto it for an extended period of time are very, very low.

Not a bad idea to set up a secondary payment processor for growth, though!

Hopefully dear. The matter of confiscation is out of the subject, main issue would be delaying the review and holding our account for a longer period since we need cashflow for prime material, labour, supply, honouring our orders, etc.

Our main clientele has shifted to USA, so cant think of any good processors for Apple Pay, accepting America express. Paypal requires an account from the clients so it would make the process harder for potential clients, thereafter the rate of abandoning carts would ger higher.