Comparison
The two are not substitutes. A bank account holds operational fiat; a PSP processes card payments. Most high-risk operators need both — but in the wrong order with the wrong configuration, the second is impossible.
Option A
Option B
New high-risk operators trying to understand which banking-stack component to set up first.
Bank account first, PSP second. The bank account is what receives PSP settlement; PSPs cannot underwrite a merchant without a destination bank.
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