People never heard of ClicknBuy before. They want an efficiently and easy way to pay without going through all the trouble. ClicknBuy is so horrible. You have to verify all this crap information and fax in your driver license, bank account and all this stuff just to setup payment. Then they take money from you to make sure it is valid.
What are you talking about I had to do none of these things... I just gave them a credit card number. That's it. It sounds like you we're trying to apply for a line of credit thru them or something.

ClickAndBuy is the European version of PayPal. And like PayPal... it can be a pain in the ass. If you are going to use a service like PayPal or ClickAndBuy... use a Credit Card (not debit) so you are protected should you do something stupid like loose your email and make no attempt to resolve the issue by contacting them.