What payment gateways minimize chargebacks and ensure a customer-friendly refund policy?

I ask this question to seek a payment gateway that tackles two problems: costly chargebacks and unhappy customers. Chargebacks happen when frustrated customers dispute transactions with their bank. A good payment gateway can help prevent fraud and make dispute resolution smoother, reducing chargebacks. Additionally, a customer-friendly refund policy offered by the merchant encourages customers to use the proper channels for returns instead of filing chargebacks. By minimizing chargebacks and ensuring customer satisfaction, the business wins on both ends.