Best credit card API with instant or 24 hour deposits help

Hi. Other than PayPal, who have you used to process your credit card payments from opencart with a pretty quick deposit time and also good rates. I currently use stripe but they take 2-5 days to deposit and that is too long. Ultimately, Paypal is the best with the instant deposit and if you have the debit card attached, it's the ultimate. Unfortunately I can not use Paypal from an Ebay issue in the past so they are out of the question.

So what are my options. I am using opencart 2.0