The merchant processor will be shut down for processing VGCs (lots of them, with a majority of transactions being gift cards), which are considered likely to be fraudulent or money laundering. Doesn't matter if you take on 100% of financial risk, Visa/Acquiring Bank will not want the reputation risk of being associated with it.

Best way to do this is to start your own payment network (like MC/Visa) and get your own acquiring bank. If you want to spend the millions (billions?) to start this, go ahead. Might still get investigated by government for AML reasons lol.