It seems like the problem may not be with PP or GC, but with you.
I've been with PayPal since 2001 (just checked to be sure), there is hardly a day goes by I don't get a payment for something, and I've never had a penny held up.
I don't use GC for a couple of reasons. First I don't like them not allowing me to get an email address. Second, they are too large and prevasive. One day we will all be one their payroll, or their dole.
Your problems are the problem. Maybe what you are selling, maybe how you treat your customers, maybe, maybe, maybe........
They are not great, they are just OK, but if you can't get a merchant account (which nowadays means really lousy credit) it looks like you're stuck with PP and GC. You have to suck it up and adapt to their way.
If there is a great example of "my way or the highway" you are talking about a couple of the poster children.
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