Looking For Payment Processor

I live in Alaska, so I got 2 lower ratings on shipping which takes longer. My average dipped below 4.9, now I have a 21 day hold on all payments.  My only option is to sell more and get higher ratings, they said, and hope they will take the hold off when they reevaluate my account.  I had planned to start working out of my home, I will be semi-retired this coming year, and there is no way you can run a business with all sales receipts being held for 21 days, while you are expected to keep shipping items and pay the paypal fees, which they get upfront.  I am looking into my own website and alternate third party payment processors right now.

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