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To mitigate the risk of chargeback fees while receiving online payments for your tool, consider using services that offer strong fraud protection and dispute resolution mechanisms. Look for payment gateways with robust security measures and verification processes. Additionally, explore platforms like PayPal, Stripe, or Square that provide seller protection and tools to manage potential chargebacks effectively. To further minimize chargeback risks, clearly communicate refund policies, maintain transparent customer communication, and ensure a reliable customer support system. While no solution guarantees complete chargeback prevention, careful selection of payment processors and implementing best practices can significantly reduce the likelihood of encountering such issues.