Card processor? PayPal? Stripe?

Hello, I have a online website that I’m going to be selling reptiles I breed. I’m having trouble finding a good card processor. I’m not very constant on selling and am very small scale. However I need instant payment transfer in order to purchase the shipping label which is FedEx priority overnight could be up to $100. Also I lot of breeders don’t do refunds or returns and I am one of those. Is there a card processor that respects your refund policy that you state on your website? What card processor would allow me to instant transfer the payment into my bank in order to purchase the shipping label? I’m nervous to use PayPal I’ve had issues in the past with holds and that’s a big headache. Any advice?

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