Any business relationship can be voided with a proportional amount of effort as it took to enter it.<p>If you don't want to be cut off so easily, you'll need to use a payment medium that's more difficult to acquire access to and involves fewer middlemen. There are only a handful of levels:<p><pre><code>  eCash Account (PayPal, Google Checkout, Amazon Payments)
  Payment Gateway + Merchant Account (Authorize.net + Bank)
  Be a big fish that can negotiate + interface directly with Visa, etc.
  Be Visa / Mastercard (since their IPOs), PayPal, AmEx, etc.
  Be a bank</code></pre>