Sounds exactly like Stripe and PayPal. Arbitrarily turn you off anytime they feel like it for any reason they please.
Never build your whole business on using either or you are just a daily dice throw from being turned off.
The difference between you and TrueBill or Ramp is they have legal teams and founders/backers that have inside access and special approvals that ordinary start ups do not. Certain start ups get special treatment by the banks and payment processors because of behind the scenes actions you cannot take.
Banks and payment processors currently have the power to decide which companies can exist and which cannot. Sometimes for perceived moral or risk reasons and sometimes for random reasons. We really could use some sort of uniform legal appeals process rather than the standard of going to social media to beg for reinstatement.