Most merchant account providers don't arbitrarily freeze accounts like PayPal. They will tell you of any limitations upfront. If they decide they no longer want to do business with you, usually you get a 30 day notice to find a new processor. The only exception I have seen is if you are selling something illegal - then they WILL shut you down without notice.
The downside, it is impossible to get a "stealth" merchant account. They will want your SSN and a credit check is involved. The other issue is, as mentioned previously, many eBay buyers do not want to use anything other than PayPal.
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