How do services like Coinmal (https://www.coinimal.com) have NETELLER has payment method?
You cannot do business if you violate ToS, in that case your business won't last more than a month.
Don't they just accept credit cards through Neteller? At least that's what I understood that Coinimal does with Neteller, since they are the only one working with the Neteller. Then again I might be wrong about my assumption.
About the TOS and PayPal and Neteller. Yes, in their TOS it's specifically forbidden to trade cryptos. That's why the accounts of the owners that admit trading cryptocurrencies are very often closed.