Tag Archives: fraud

First charge-back from GoogleCheckout

google_checkout2.gifI 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.

GoogleCheckout takes 22 hours 28 minutes to clear a payment

GoogleCheckout

I am a big believer in having more than one payment processor. I use PayPal as my main processor with GoogleCheckout and 2Checkout as alternatives (GoogleCheckout for pounds sterling and 2Checkout for dollars). But I haven’t been overwhelmed by GoogleCheckout so far. This is how long the last 10 payments for PerfectTablePlan through GoogleCheckout took to clear:

  • 4 hours 5 minutes
  • 5 minutes
  • <1 minute
  • <1 minute
  • 22 hours 28 minutes
  • <1 minute
  • <1 minute
  • <1 minute
  • 1 minute
  • <1 minute

That is quite some variation. I assume it is due to some orders being flagged for manual fraud checking. This is response I got from Google when I complained:

…for your protection, Google may review certain orders before passing them to you for processing. Some reviews may take slightly longer as Google performs more comprehensive analysis of the order to minimise your exposure to fraud risk.

Our specialists are working hard to address all orders in a ‘Reviewing’ state as quickly as possible. These reviews may take up to 24 hours…

So 22.5 hours appears to be acceptable as far as Google is concerned. But they managed to reply to my support email within a few minutes.

GoogleCheckout may be cheap (effectively free to Google Adwords customers at present) but keeping my customers waiting up to 24 hours for their licence isn’t acceptable to me. It makes me look bad. Go and hire some more people Google – you can afford it. Otherwise PayPal are going to wipe the floor with you as soon as you start charging comparable fees.

Despite the leisurely time they take over fraud checks they still managed to pass a payment with a postal address in Scotland, an IP address in the Netherlands and a Romanian email address. I am still waiting to see if I am going to be charged a £7.50 fee by Google for the privilege.