PayPal definitely is the best option, because it is so wide-spread. I know of no other e-banking service that would offer you what PayPal can. Unfortunately, not only does PayPal have something against "risky transactions" (your problem), but it also isn't available everywhere in the world (my problem).
That is why I use
MoneyBookers - they support more countries than PayPal, and I also think you can deposit money into a real bank account wherever you are. I find this a great advantage over PayPal, but only if you receive money from other people. If you are thinking of using it for online shopping, give up. It is not impossible, but it is difficult to find sites that support MoneyBookers.
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