I generally agree, but if you go through the process at your bank and get your own merchant account(it's a long drawn out process), then the risk for the bank/v

I generally agree, but if you go through the process at your bank and get your own merchant account(it's a long drawn out process), then the risk for the bank/visa/mastercard/etc is much, much less, and you can generally always reach out to humans and get answers. It's worth the headache if you live or die on credit card payments.