Onboarding & Settlement Challenges with New LatAm PSPs

We've been exploring a few newer payment service providers for expansion into LatAm markets, specifically looking at their ability to handle high-volume micro-transactions and local currency payouts. The sales pitches are always stellar, touting 'seamless integration' and 'competitive rates,' but the reality during KYC/KYB has been a slog. Delays in document verification, inconsistent requirements across different regional teams, and then the actual settlement times for funds hitting our operational accounts are often significantly longer than initially promised. It's not just the quoted spread or commission that matters; the working capital implications of funds being tied up for an extra 2-3 business days can really impact cash flow. Anyone else seeing similar friction with newer entrants trying to scale their infrastructure quickly, particularly in regions where regulatory landscapes are still evolving? How do you factor these 'hidden' costs of operational drag into your total cost of ownership when comparing PSPs beyond just the headline fees and FX rates?