what do you mean by direct payment options?Stripe is best but it could be worst at any stage of your business , can hold your funds and can get you out of the business, so always have backup accounts ready either some direct payment processors. or gateways.
agreedStripe or 2Checkout. Paypal favors buyers, so if they choose to open a dispute on you, they will get back their money. So I wouldn't suggest it but you can try it as well.
They payout to your bank directly but that is limited to a few countries. They also payout to your paypal.+1 for Gumroad if you are selling eBooks. But you will still need stripe for that
Unless people really want to buy the ebook, otherwise the CR is gonna drop harder than my DJ lol