Open banking is cheaper than cards, when you can get it. Whether a provider will take you comes down to arithmetic you can work out in advance.
1. Roughly what do you process a month?
2. Are you selling your own goods, or collecting for others?
3. Is your category treated as elevated risk?
4. Do you need recurring or variable payments?
5. Where are your customers?
Indicative. Reflects how providers actually assess accounts rather than what their marketing says.