Yes.
Authorize.net
Linkpoint / YourPay
They can be integrated into Zen Cart, but they are paid services. I use YourPay and it works seamlessly. People never leave my site and it all is taken care of, including some extensive fraud protection.
There are hundreds of people doing nothing but going online ordering anything and everything with stolen/forged credit cards.
I've been taken using PayPal because they cover the BUYER, not the SELLER. This is back asswards because the Seller (you and me) are the ones that pay for their services, but they don't protect us, they protect the scammers 100%. So when I get an order paid via PayPal I wait until the payment clears, draw it out using the debit card and then confirm with the "party" that ordered it that they indeed ordered it BEFORE I ship anything. PayPal is great using Ebay but otherwise, there is ZERO protection for their account holders. They will reach in your account in a second and take your money because of a fraudulent charge that THEY accepted! Duhhhhhh.....