I don't know any service that fits all four criteria, and I would never waste time adding Lightning network support for something like that.
Speaking from experience of many cryptoservices, only around 1% of all received payments are complleted with Lightning payments.
Not sure where your pessimism about lightning comes from, have you ever verified what are you saying? You could also realize doing some math that if the mempool is currently empty, it is probably because of lightning. Ever asked yourself why exchanges are integrating lightning?