If they are going through the bank then they are not a true payment processor but a payfac. To be a processor they need direct link to the card networks like vi

If they are going through the bank then they are not a true payment processor but a payfac. To be a processor they need direct link to the card networks like visa, amex,MC, etc. It's a tough space that requires solid domain knowledge to be profitable and not eaten alive by fraudsters.