First of all NEAT has just HKD. And yes, you can find tons of bad reviews. I have an account but I'm not using it.Haven't heard good reviews about Neat, but never experienced myself either. If the purpose is to receive payments from ecommerce and then transfer to another account and pay suppliers, you can go for Worldfirst, my customers have always been satisfied by their services.
At the moment I try to manage for a few months with the few options mentioned before, hoping they will land soon the new licensed virtual banks in HK. It should be a good offer, on paper at least.