5D has a 1 time a month free payment if requested on Mondays. They will do a request for payment any time but you will pay a fee if not on Monday. 2 forms of verification ( just like every other book) and once you do it your on file so you wont need to do it again. Yes you can cash out at anytime.
All the offshores work pretty much the same way. Go to 5D (or any offshore) and sign up and you can PM their customer service and they will walk you through. You don't have to deposit to sign up.