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What's the best alternative to PayPal s**t service?

A year ago I had a terrible experience with PayPal and it took 7 months to get my money back
at least it sounds like PayPal reopened your account, mine got shut down and the customer support is just telling me they feel sorry for me! Had a legit account with them for 8 years and only few disputes... they are horrible to work with.
 
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I figured out to divide my master paypal account into 5 rather than one. Means one master account and 5 stealths accounts receiving payments which are moved to the master account. In that way I avoid too much headache should one collapse.