I believe MoneyPak and Moneybookers fulfill those points. Both have reasonably low fees, you are unable to dispute payments (Excluding Chargebacks, but that can happen with any method) and I've never been in trouble for using them and I'm 16.
Also, RSGP?
So if for instance someone sent x amount to me via Moneypak or MoneyBookers, they could then scam me by getting their money back?
Basically, a Chargeback occurs when someone pays with their credit card, and they call up their bank and say they didn't make the payment. The Bank then takes the money back.
Like I said, I'm quite sure this happens with any method. But you can't dispute on Moneypak or Moneybookers, so you can't just click a button and say I didn't get my item. So it is much safer than PayPal.
What country do you live in? Moneypak doesn't work for Canadians. Also keep in mind if you take moneypak and put it on your paypal a lot paypal will most likely limit your account for doing so.

