Have you considered that maybe there is a good reason that your competitors have these restrictions? For example, because scammers might abuse your service by pretending to be the IRS?
http://www.npr.org/2016/05/20/478886076/money-transfer-compa... http://www.npr.org/sections/money/2016/01/29/464859624/episo...
Granted, these are really heavy-handed ways to solve this problem. There might be better ones, like using machine learning or something.