Chargebacks

No Chargeback Payment Gateway

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Taylor Stika
September 15, 2023


A no chargeback payment gateway gives you the ability to lock in payments as final, and keep all funds paid to you regardless of customer actions. Although there are gateways that help mitigate risk, there are no 100% guaranteed methods to stop chargebacks.

How To Get A Reduced Chargeback Payment Gateway

The flaw in the premise of the search for a “no chargeback payment gateway” is that it’s not the gateway that ultimately refunds the transaction. Card providers and banks are two other players in the transaction process, and it’s their override that ultimately makes the chargeback occur.

If you’re looking to have more control over chargebacks, then you’re in the right place. Zen Payments works with a number of companies that provide chargeback mitigation, and chargeback prevention tools. Here are a few ways to get your rates down with using their tech and expert advice.

Why Chargebacks Exist

Chargebacks exist as a last ditch effort for customers to receive payments back after a purchase they regret or didn’t receive a fair product or service for. They are built into the payment landscape as a final override even after funds show up in your merchant account.

Chargebacks as a concept aren’t going anywhere because of how important they are to maintain trust using cards. The major card brands are behemoths when it comes to their ability to enforce safety nets, and this is one they’ll maintain for anyone using their cards.

A person holding a card and looking at a laptop

Chargeback Preventions Methods

1. Customer Service - Quality customer service is by far your best line of defense against chargebacks. If you have a well-trained team that handles customer complaints, and can remedy their concerns at the beginning, then the complaints will never be issued as chargebacks. Importantly, you can also track written conversations in order to build a case if ever a dispute is made and you want to challenge it.

2. Refund Policy - This one is pretty straightforward; when you offer a refund, the byproduct is almost the same - you’re down the funds. However, it’s better for your merchant account reputation and keeps you from getting those high rates that can jeopardize the longevity of your account. Keep in mind a refund can be partial or store credit depending on what makes your customer happy and prevents them from taking further action.

3. Fraud Prevention - Here is where the technology comes into play. Major chargeback prevention companies analyze worldwide fraud factors and plug them into their technology to find patterns that emerge. These factors are refined every day, from IP geolocation recognition, to spamming of card numbers, and online purchase prevention techniques. These are robust tools to analyze malicious behavior.

4. Friendly Fraud - This is a version of standard fraud but more likely appears as a normal customer. In this case, their goal is to purchase the product then claim that it was damaged or not delivered in order to receive a refund. People who do this often aren’t one-time criminals, and chargeback companies are able to find the most likely candidates and give you a heads-up before they can act.

5. Merchant Error - This is more common than you think and can result from a typo or transposing numbers at the cash register. Perhaps a customer noticed a sale or discount that was not honored at checkout, then realized it later. These issues require a clean review of your selling processes and can be prevented with a little organizational assistance.

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Zen Payments


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Taylor Stika is the CEO and Founder of Zen Payments. With a background in the payment processing industry starting in 2015, Taylor has extensive experience in managing and optimizing payment systems. Under his leadership, Zen Payments has grown and developed into a reputable provider of high and low-risk payment.


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