gosh, the thread is going crazy. Impossible to read.
Back to the main topic and its main owner,
service: web dev and tech maintenance, both can be high risk depending on the PSPs/banks. It is for sure more high than low.
You can contact a lot of different PSPs (go for a full service = providing the bank connection MID and the gateway so its one contract/one integration for you)
I will not give any name as I am "new" on the forum
However, my 2 cents as its my job to place merchants looking for processing:
Where is established your company? (if you have one). If you do not have an established company, it will reduce the options.
Do you have a clean processing history to present? with paypal
What is your chargeback rate? (obviously, you have mainly friendly frauds aka tc40) do you win disputes? You have several options to reduce it like an electronic signature by the merchant after each work you complete, etc.
If you have a full KYC for your company + processing history, you can find PSPs pretty easily.
Also, paymentcloudinc do not process payments, they work as agents. They place you.