Ask HN: Why getting paid on the Internet is still so difficult?

In my experience, stripe and shopify are not that easy. To use stripe you need to go through the process of making an account and its verification. Sometimes it is taking days to set it up. Shopify is a slightly better solution. But still, this is a huge application with a lot of painful processes. I need something, that offers set up in minutes, but I haven't found any solution yet.