It's entirely possible then that some options would be available, for example in SEPA, that offer instant and irreversible settlement at zero cost.
And for crypto payments they already don't need this because they can use the de-facto-standard Metamask API, at least for Ethereum-compatible blockchains.
It's an economic and business problem, not a technical one: the incumbents earn massive fees and have very little incentive to innovate, while the disruptors can't reach the minimum critical mass they require to get rid of the damn credit cards (aka static passwords you need to disclose on the internet).
Note that SEPA is 100% not reversible. In fact, if you look at the scheme terms is absurdly reversible. There's a 8 week no questions asked refund window, so (for instance) one could pay your mortgage with SEPA and then automatically undebit their account up to 8 weeks later.
(Don't do this unless you're happy losing your property, not financial advice).
You might be referring to SEPA direct debit, which can be reversed unilaterally by the client at any point during the 8 weeks. These are payments initiated by the merchant, using an already established direct debit channel.