For this specific use case, the old fashioned virtual credit card is sufficient. BOA and Citi offer them, to name a couple.

wrt dispute resolution, paypal is pretty awful compared to the traditional credit card, at least the major (top tier) bank issuers. the lower tiers like Capital One I imagine are more difficult. I'm in a paypal dispute right now. I have to wait 2 weeks for something to happen (don't know what exactly) before i can progress to the next stage, whatever that is. really? my amex reverses the charge immediately when i call them, and as far as my side of things, i'm done with it at that point. my WF visa is similar, and they call me when a further action is required.

paypal is google-level horrible. nearly indispensable service, immensely useful in some ways, the worst anti-user behavior in other ways. even the website to manage your account is full of dark patterns.

if you hate supporting it, stop supporting it.