You know, there is usually an easy way to mitigate this. When you create an account, be sure to supply business information e.g EIN in the USA and see if you can do invoice billing. Once you get set-up as a business, most providers assume you know what you are doing.

These sorts of things tend to slip through the cracks. If you are running is a business capacity, make sure you treat everything like any other business would.

Even as a two-man company, you can't afford the cost and potential liability of not operating as a registered business. It also shows that this is a serious business and not a hobby.