best way to accept payments?, i will not promote

what's the best payment gateway for my new startup? i sell digital goods, and right now i'm taking payments manually through paypal and cashapp, but it's eating up too much of my time when i could just automate it. paypal business seems decent, but are there better alternatives? something with an API would be ideal. stripe isn't available in my country, and some gateways require business permits, which i don't have. any suggestions?