There are a lot of payment gateways apart from PayPal: cardinity, braintree, 2checkout, stripe, etc. Pricing and features are different
Thanks for all the helpful comments am pursuing this further.
Why would you take only credit card and PayPal payments, when Asia, Europe, and South America have very low credit card penetration. By the way there are a lot of chargeback free payment methods, so you don't lose money: alternativepayments.com