Re: paypal alternative
If you lose a shop that is connected to Authorize.net and there are chargebacks/issues, you'll lose all shops with it. So if you're selling something on your own website that could cause this you may need to rethink it.
Otherwise, most banks have their own card processing that you can apply for. You can use various payment gateways if they don't provide one. If you just google them a bunch will come up that you can review to fit your needs.
You also have Paypal similar Dwolla, Apple Pay, WorldPay, Adyen, etc.
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