Online Product Payment Exchange Services that are good?

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I want to start selling a digitally delivered product straight to individuals (as it is tailor made) and I want to know what are the best options for a payment/transfer insurance service. Basically something like Fiverr but without the service actually being on it, just the exchange function. I doubt Paypal's Invoice system works like this though I have never tried it, or does it?

In simple terms I just want to upload the file, and make sure that it gets exchanged for payment by the system. Trying to search for these kind of answers yields a lot of headache and distractions as I am sure you can imagine, so any suggestions would be most welcomed.
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