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It's often times a security measure. Especially with whales. You never know when someone might break into your account somehow and change the payment info right before payouts. I'd feel much more secure knowing I had to go through someone at the company to get my info changed. I've seen it happen before. "I broke up with my girlfriend and she changed my payment info without me knowing."
I've even had guys lose control of their domains and the new owner was able to get in and change the payment info. Shit happens ya know. Better safe than sorry.
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