2D Payment Gateway Integration Needed

I need a pure 2-D payment gateway—no 3-D Secure steps—that will let me receive personal payments or freelance income from clients in the United States and Canada. Because I don’t yet have an incorporated company or even a finished website, the provider must allow individual sign-up with no request for registered-company documents while still giving me a fully manageable virtual account and dashboard.

Core requirements I must meet: international, multi-currency processing; acceptance of credit and debit cards as the main payment method; instant settlement to my personal savings or current account; chargeback-shield or similar protection; and the ability to move funds out to any bank worldwide just as quickly.

I’m looking for someone who can guide me to a legitimate gateway that fits all of the above, handle the account set-up/KYC, and then wire up the API or SDK so it’s ready to drop into my upcoming site or landing page.

Deliverables
• Shortlist of qualifying 2-D gateways with pros, cons, and fee comparisons
• Successful creation and verification of my individual merchant account with full dashboard access
• API integration demo (simple HTML/JS or PHP page is fine) showing live credit/debit card payment flow, test and live modes configured
• Final hand-over package: credentials, sandbox keys, step-by-step setup notes, and a quick-start guide so I can extend the integration once my site is live

The job is complete when a real transaction reaches my personal bank account instantly and the dashboard reflects the payment in multiple currencies without a chargeback flag.