Therefore, I am looking for new payment gate way that can let buyer pay by credit card to online seller, but the payment is same as bank deposit, or bank transfer, once paid, not refundable or withdraw. One way transfer.
Upon reading this, I'll certainly don't want to purchase from your online shop. Even you say that you will guarantee the quality of your product but still it's unjust to don't accept refund. AFAIK, buying online is still protected by consumer act that ruled about refund.
I may sound off topic but I want to reiterate the right of every consumer.