It might come as a surprise to some, but I had over the years many successful credit card transactions and I also had a few reversed when I called Visa/MC and told them something was not okay. So I have nothing new to propose here, just mentioning a system which already works fine for me.
I’m aware that you can do this with credit cards. I was replying to someone who wanted guaranteed settlement but at the same time the ability to reverse transactions (read: settled transactions). You can’t have both at the same time.