I have just had my first charge-back through GoogleCheckout. I shouldn’t moan at one charge-back in 8 months use as my secondary payment processor – except:
- the credit card address was in the UK, the IP address was in the Netherlands and the email address was .ru (Russian Federation)
- the payment failed authorisation twice, before succeeding a third time
Despite the above, Google apparently just processed the payment automatically, without referring it for further checks. How many Google Phds does it take to write a scoring system that can figure out that this was a suspect transaction? To rub a bit more salt in the wound Google have debited a £7.00 charge-back fee on top of refunding the payment.
I guess Google must need the money.