Chargeback protection for merchants is usually a product added to card payments, not to crypto payments. Some tools screen orders before authorization, some intercept a dispute after the issuer opens it, and some reimburse the loss once a chargeback lands. Each one works inside the card network's dispute process, so each one covers some reason codes and not others.

EukaPay works differently for the share of revenue you move to stablecoins or crypto. A crypto payment confirms on-chain, so protection against chargebacks is a property of the payment method. This guide compares that approach with a chargeback guarantee from Riskified, PayPal's program for card chargebacks, and chargeback alerts from Verifi and Ethoca, on coverage, liability, merchant workload, and price.

Card chargebacks cost more than the disputed sale. The merchant can lose the goods, the shipping cost, and a dispute fee on top of the refunded amount. A high dispute ratio can also put the account into a card-network monitoring program such as Visa's VAMP. Three criteria decide whether a tool reduces that cost or only moves it.

Every card dispute carries a reason code. A tool built for fraud codes does nothing for a "not as described" dispute, and a tool built for alerts only sees issuers inside its network. Before you compare prices, list the reason codes behind your last year of disputes and check each tool against that list.

Some tools shift the loss to the provider. Others leave the loss with the merchant and only lower the dispute count. A guarantee that covers fraud codes up to a cap is a different product from an alert that asks you to refund the order before it becomes a chargeback.

Most card tools still need the merchant to act. That can mean answering alerts inside a short window, uploading proof of delivery, or connecting order data to an issuer lookup service. The staff time belongs in the price comparison. A crypto payment through EukaPay does not open a card dispute, so that dispute work does not apply to it.

Refer to the websites for current information.

In the EukaPay column, the card dispute process does not apply to the payment at all. The other three columns reduce card losses in different ways. A guarantee covers fraud reason codes, PayPal's program covers two chargeback types on its Advanced Debit and Credit Card checkout, and alerts turn a chargeback into a refund. For the revenue you move to crypto payments through EukaPay, no card reason code applies.

EukaPay fits a merchant whose buyers already hold stablecoins or crypto, or who sells into markets your acquirer serves poorly. Digital goods, hosting, and software are common examples, since those sales often have no parcel to show as proof of delivery. EukaPay is not a card acquirer, so it does not protect the card share of your revenue.

A chargeback guarantee suits a merchant with high card-not-present volume and a fraud problem, where handing approve or decline decisions to a provider is acceptable. PayPal's program suits a merchant already on PayPal's Advanced Debit and Credit Card checkout whose disputes are mostly "unauthorized" or "item not received". Alerts suit a merchant close to a card-network ratio threshold who needs the dispute count down now and can staff the response.

You can run a card tool for card volume and add EukaPay as a second payment method. That split takes every crypto sale out of the card dispute process, and EukaPay handles those sales from checkout to fiat settlement.

EukaPay gives you instant crypto-to-fiat conversion at a locked exchange rate to remove your exposure to crypto price swings, support for most major cryptocurrencies like BTC, ETH, LTC, SOL, USDC, and USDT, and settlement in USD, EUR, GBP, and CAD to your bank account. A crypto payment confirms on-chain, so protection against chargebacks is a property of the payment method.

The same account covers invoices, payment links, checkout, and subscriptions on the pay-in side, plus crypto payouts in USDC, USDT, ETH, and BTC. If chargebacks are reducing your card margin on digital or cross-border sales, add EukaPay as the crypto payment method for those sales and keep your card tools for the rest.

Create a EukaPay account

, complete verification, and provide your legal business information. Then generate an API key and build against the staging environment using the

EukaPay API documentation

. Read more about the

EukaPay crypto payment gateway

.

Can crypto payments be charged back?

No card issuer sits between the buyer and the merchant on a crypto payment, so there is no card chargeback to file.

Crypto chargebacks and reversibility

covers the detail.

Do I still need chargeback tools if I accept crypto payments?

Yes, for the card share of your revenue. Crypto payments leave the card dispute process, but card sales still carry chargeback risk, so card tools stay useful for that volume.

Does a chargeback guarantee cover crypto payments?

A chargeback guarantee covers approved card-not-present orders later charged back as fraud. A crypto payment through EukaPay opens no card dispute, so there is nothing for a guarantee to cover on that sale.

Do chargeback alerts apply to crypto payments?

No. Chargeback alerts respond to a dispute an issuer opens on a card payment, and a crypto payment through EukaPay has no card issuer to open one.

Which cryptocurrencies can my customers pay with?

EukaPay supports most major cryptocurrencies like BTC, ETH, LTC, SOL, USDC, and USDT on the pay-in side.

Which currencies does EukaPay settle in?

EukaPay settles in USD, EUR, GBP, and CAD to your own bank account, and you can also choose crypto settlement.

Does the exchange rate change between payment and settlement?

EukaPay locks the exchange rate on every conversion by default, on pay-ins and on payouts.