go to jpm, open up an account.
go to firstdata, open up a service account and link it.
go to any tech anywhere and get a pos website, and link to firstdata.
done.
you now have a bank account, a credit network + clearing house, and a point of sale/transaction.
*jpmc = jp morgan chase, a collection of interfaces managing silver shorts and corruption who don't give a shit about you and love it when you make an account. jpm = business, c = personal, jpm&c = private/equity. firstdata = merchant (transaction) network tools and reconciliation (eg credit, ach, etc).
alternative: go get bitcoins. along the way you already have made accounts and get the network for free-ish. wow, damn that was efficient, right? shit. of course, you still need your point of sale / website. for this, go get some code to auto-gen receive addresses per transaction sale request with schedule deprecation, with full final receipt generation at 1hr, 3d reporting (delayed completion in stages). ok, so bitcoin is 'slower' to do for business, but who the fuck cares you're a bank shit stop complaining already.
on the other hand, you can just keep going all low energy, find people 'who will do that shit for me', and just accept whatever they say you get to keep. paypal, apple, icloudstore, etc.
but then, you'd just end up right back where you started.
go ahead. blame paypal again. no downsides there. none. zero. you are 100p correct, everyone else is wrong, and running into the same suicide grinder again and again and again with the exact same results every single fucking time is not your fault. everyone –else– should just be more honest, amiright?