Many MAPs are traditional banks, but banks are often wary of small, new e-commerce businesses.
You don't have to forgo this e-commerce necessity. Independent service organizations are businesses themselves, catering to those accounts considered high-risk by banks. They're not regulated to the same extent as banks. This lack of regulation has given ISOs a bad reputation. While many ISOs are trustworthy and upright, their ranks are fraught with old-fashioned scam artists.