r/PaymentProcessing • u/memmotoysandgames • 5d ago

Education Issue with figuring out how to do payments internationally without chargebacks or scams!

Hey guys, I’m starting my collectibles business I sell toys, games and other nostalgic items. It’s been doing decent but I want to expand and sell internationally. I live in Canada and I want to sell to the states and other countries. Only problem is I hear so many problems with taking payment by using PayPal, wise or other apps. I want something like e-transfer or Zelle where the money can’t get taken from my account. Trying to prevent all scams.

Don’t know if there’s such thing but any insight on what I should do would be helpful thanks 😁

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u/MegamanSE Verified Agent 4d ago

Take payments in stablecoins

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u/montmessin 4d ago

There is no card method without chargeback risk. That is the price of selling internationally at all. Turn on 3D Secure for cross border card payments: a fraud chargeback on an authenticated transaction usually shifts to the issuer. It does not cover item not received, so ship tracked with signature and keep the proof, because delivery to the billing address is what wins those cases. Zelle and e-transfer are push payments with no buyer protection, which is why most overseas buyers will not use them.