Sorry but I've been using Paypal for many years without incident.
More importantly, I don't leave money there in excess of the amount I would need to refund any current customers. I have a threshold set for the funds I leave there and it's never enough to break the bank if it were to get locked.
I assume you got for account locked and are now looking for alternatives?
The alternatives might lock your account for the same reasons so make sure you don't do a repeat of what ever caused the issue on the new payment processor.