What you're actual looking for is referred to as a black hat processor and expect to pay anywhere from fifty to sixty percent
Typically, people use these for carding, but sometimes people with a chargeback rate. Like yourself need to also use them because no one will accept a five percent charge back rate and also give you any kind of access to your money
The reason why the black hat portals are so high is because they're typically disposable processors.They know that eventually they're going to get their portal shut down, and they factor that into the price