Gumroad is one, which doesn't require you to use your own Stripe / Paypal account to collect payments. They collect it directly in their account & then payouts to sellers. Any other service that I could find require you to use your Stripe account. Stripe isn't available in my country but I wish for good Payment UX. Gumroad specifically fit the bills but I got to know that they silently removed the webhooks functionality that made it easy to integrate payments in a frictionless manner. Right now, after the payment, the user is left stranded and they have to check their email + click a link to take them to a relevant page.