Chargebacks are not cheap. They don’t just reverse your revenue—they hit you with fees, mess with your fraud scores, and put your merchant account at risk. If you're running a high-risk business or you're tired of fighting friendly fraud, finding a no chargeback payment gateway might sound like the ideal solution.
Here’s the truth: no payment gateway can guarantee you’ll never face a chargeback. But some platforms can absorb the liability or prevent most disputes before they hit your account. This guide walks you through the best no chargeback payment gateway options in 2025 and explains how each one works.
What Does “No-Chargeback Payment Gateway” Actually Mean?
When people search for this, they’re usually looking for two things:
- Gateways that block chargebacks completely by holding merchants or customers to stricter terms.
- Gateways that protect the merchant by absorbing or disputing chargebacks on their behalf.
Some processors do both. Others are more limited. Many of these providers are also used by high-risk businesses, where traditional gateways like Stripe or PayPal won’t work.
Top No Chargeback Payment Gateway Options
1. PayKings
Best for: High-risk industries
PayKings specializes in high-risk merchant accounts and offers chargeback mitigation services as part of its gateway setup. While it doesn’t block every chargeback, it includes tools like pre-chargeback alerts and dedicated fraud filters that help reduce your risk significantly.
2. SagePay (Opayo)
Best for: UK-based merchants
SagePay (rebranded to Opayo) offers strong fraud detection tools and custom rules to help prevent chargebacks. Its integration with 3D Secure and address verification systems (AVS) gives merchants tighter control over card-not-present fraud.
3. Durango Merchant Services
Best for: Regulated and restricted industries
Durango sets up high-risk merchant accounts and pairs them with gateways that support fraud scoring, chargeback alerts, and blacklisting tools. They also help with MID diversification, which can reduce your exposure to volume-based risk.
4. Soar Payments
Best for: E-commerce merchants in high-risk verticals
Soar works with both domestic and offshore banks to find solutions that offer chargeback insurance and dispute resolution services. They integrate with CRMs and support recurring billing setups, which helps reduce disputes related to billing confusion.
5. Authorize.net (with third-party fraud tools)
Best for: Custom setups with API control
Authorize.net doesn’t offer no-chargeback guarantees on its own, but when paired with tools like Verifi or Kount, it becomes a much more robust option. Merchants can set up their own chargeback prevention rules and automate fraud filters.
What to Know Before Choosing One
Choosing a no chargeback gateway often means:
- Higher processing fees: These providers are taking on more risk, so you’ll pay more for that protection.
- Stricter underwriting: You may need to prove business history, submit bank statements, or disclose refund policies.
- Limited refund flexibility: Some gateways may enforce no-refund rules to discourage friendly fraud.
If you’re processing low-risk transactions, you may not need this kind of protection. But for high-ticket or high-dispute industries, it can be worth the tradeoff.
What About Crypto Payment Gateways?
Crypto gateways like BitPay or CoinPayments eliminate chargebacks entirely. Once a crypto transaction is confirmed, it can’t be reversed. That makes crypto appealing for merchants dealing with frequent fraud.
Downside? Volatility. Crypto values can fluctuate within hours. You'll also need to manage customer expectations since many buyers still aren’t used to crypto refunds or returns.
FAQ: No Chargeback Payment Gateways
What is a no chargeback payment gateway?
A no chargeback payment gateway is a processor or service that either blocks chargebacks entirely or shifts liability away from the merchant. Some do this by using crypto or eChecks, while others use tools to prevent or dispute chargebacks on the merchant’s behalf.
Are there any gateways that truly block chargebacks 100%?
Only crypto-based payment gateways can fully prevent chargebacks because blockchain transactions are irreversible. Other gateways may reduce risk or offer protection, but they can’t guarantee full immunity unless terms are heavily restricted.
Why do high-risk businesses use these gateways?
High-risk businesses often deal with industries that have higher fraud or refund rates. Banks and standard gateways might reject them. No chargeback gateways offer solutions that are more tolerant of disputes, with built-in tools to manage risk.
Do no chargeback gateways help with friendly fraud?
Some do, especially those that integrate with tools like Verifi or Ethoca. These platforms alert merchants before a chargeback happens, giving them a chance to issue a refund or provide evidence early.
What’s the difference between a gateway and a processor?
A gateway securely transmits payment data from the customer to the processor. The processor then handles the actual transaction and moves the funds. Some companies offer both services, while others specialize in one part of the flow.
Want Real Chargeback Prevention? Use Chargeblast
A no chargeback payment gateway is only one part of the puzzle. If you want long-term stability, you need a system that prevents disputes—not just absorbs them. That’s where Chargeblast comes in.
We help merchants block friendly fraud, respond automatically to disputes, and understand the reason codes behind chargebacks. Whether you’re in e-commerce, SaaS, or a high-risk niche, Chargeblast gives you tools that help you fight back and stay ahead.
Don't just shift the liability—prevent the chargebacks in the first place.
