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PayPal is great and does not cost you anything. I'm not sure about Sutter payments, don't shop for them.
There are people who have been banned from PayPal. Perhaps OP is one of them. If so, it will be difficult for her/him to do much MS.
If you have been banned from PayPal and you used your SSN the way around it is a different bank account and get an EIN for taxes and a DBA from the state.
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