What are you selling?

I'd say Stripe, but it depends what you're selling: https://stripe.com/us/prohibited-businesses

If what you're selling in any way touches any of the things on that list, then you should get your own merchant account and handle it directly. It's messy, it's work you don't want to do, but the list of prohibited businesses put on you by your bank is much shorter than the list put on you by Stripe, PayPal, etc.