And here I completely agree, there are so many factors at play when it comes to payment processors. Even companies like Durango Merchant Services, which have relatively good ratings, can still end up referring you to outright scams.
In this industry, or in any situation where you need a high-risk merchant account or payment processor, I strongly recommend doing your homework. Do︀ proper due diligence on the company and research thoroughly, especially if it’s your only business and you're serious about it.