Payment gateways that do not take fees on refunds?

Are there any honest payment gateways left that are not taking fees if we process 100% refund? I'd hate to charge customers for that, that's bad practice.

Now, with COVID issues, there's a lot of inventory problems. In my area, almost 80% of goods are out of stock. People placing orders, then decide they'll wait, then change their mind. I hate paying for refunds – especially when average order is $700-$800.

Stripe does it, Paypal does it. Amazon Pay does it. Who doesn't?

Hate of this cartel type agreement between everyone. There's no reason to do so, just to squeeze few extra dollars out of sellers, that's all.