Processing services are still viable options. Just because you’ve been rejected for a merchant account before, doesn’t mean you won’t be able to get approved for one. Payment processors may require additional business information or processing / banking reports, but you should be able to obtain a merchant account just like any other company.
Sometimes banks / processors will request a higher processing rate because of the risk or the strength of your file, or they may even ask for a reserve on your processing. When it comes to your business plan and financials, providing complete transparency is a great way to build trust with your processor.