Card processor recommendations?

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Hello, I’m looking into incorporating a card processor into my website. I sell live reptiles so I’m needing a card processor that gives a lot of protection to the seller (me) , instant access to the payment/funds and protects against charge backs. I’m a very small business so I don’t sell much but the industry I sell in can be very complicated and strict on the refunds side. I need the majority of the control of refunds , as there can be customers that take advantage and try to force a refund against my store policy they agree to when purchasing.
More information- WordPress site with woocommerce. Currently I only use venmo and PayPal family and friends, because PayPal business doesn’t offer the needed tools for selling reptiles.
What are your recommendations?

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