Don't rely on any single point of failure. Don't kid yourself. No payment processor is your friend, and if you think that, you're a fool. Have multiple payment processors, and be prepared for bad things happening. The reasoning isn't as simple as PayPal or Stripe are out to get you. Rather, there are many banks and many laws, both in your home country and internationally that can affect your business. And in the end, they won't risk their business for you, no matter how fair or unfair it is.