The mentioned "payment providers", are more accurately merchant brokers, will put you on an aggregated solution via a connection of theirs or one they found on the internet who will take high cb ratios. Only problem is you won't get paid. Typical terms are a weekly payout with 14 days in arrears. So first payment is typically in 21 days from the time you start. With replica type merchants, this is when cb start to roll in. The aggregator then uses the excuse of cb are higher than they thought and your funds are frozen for 180 days at the least. Unfortunately, with new AI︀ fraud intelligence, it is harder to get accounts to be under the radar of the︁ card associations. They have changed the acceptable chargeback ration to 1% (visa and mc).