[paddw]

The regulation will never change, but you get a huge advantage by working with smaller processors in terms of them being willing to work with you in a reasonable way.

There are 3 stages:

You are small: Stripe and the like work best because they are easy to set up and your small payments are low risk

Your are medium sized: You start to hit restrictions with these services but can not get any real support. You should work with a small indie processor.

You are big: You can get support (probably) so going with the big powerful solutions starts to make more sense again.