The problem is, payment processing is hard. Fraud is a real problem, that costs real money and takes a massive amount of effort to prevent. You can limit your exposure (eg Stripe) by placing limitations on your solution (limit by country, by transaction types, etc), but there is no fix for it.
Big banks don't do much better than Paypal in regards to fraud prevention, the major difference is that they are regulated more tightly so they can't just freeze your money without recourse.
Big banks don't do much better than Paypal in regards to fraud prevention, the major difference is that they are regulated more tightly so they can't just freeze your money without recourse.