The other service I have been looking a lot at recently is Litle & Co, which has even better chargeback support than PayPal: they offer the ability to not just reconcile but fully automatically respond to chargebacks, complete with APIs for uploading documentation such as shipping invoices.
I do not know if you (or anyone) would count them as a "traditional merchant account provider", however (or if they are really a "merchant account provider" at all; I will be honest and say I'm still behind on some of these terms).
(Also, for completeness: Amazon Flexible Payments, in a similar boat to PayPal and thereby falling under the same "already need" reason you list, also has good mechanisms for automatic chargeback reconciliation and reporting.)
The payments space gets confusing. There are gateway providers that serve merchants yet process payments through an underlying provider. At the end of the day there are multiple types of companies which can serve your needs.
I am bias since I work at Litle & Co. My team implemented the chargeback upload API years back, it's great to see it catching on.
Litle has some neat features including a JavaScript API for tokenization that we call Pay Page.
I won't go on self promoting, however I can answer questions if you have them. I follow hacker news because of my personal interest in software development.
I do not know if you (or anyone) would count them as a "traditional merchant account provider", however (or if they are really a "merchant account provider" at all; I will be honest and say I'm still behind on some of these terms).
(Also, for completeness: Amazon Flexible Payments, in a similar boat to PayPal and thereby falling under the same "already need" reason you list, also has good mechanisms for automatic chargeback reconciliation and reporting.)