What is a chargeback?

A chargeback occurs after a buyer contacts their credit card issuer to dispute a charge that appears on their credit card statement. Chargebacks may be issued for a number of reasons including but not limited to the following:

  • An unauthorized party has made a purchase with the buyer's credit card 
  • The buyer has concerns about the validity of the purchase 
  • The buyer has been charged multiple times for the same order 
  • The buyer is unsatisfied with a purchase and hasn't been able to resolve the problem with the merchant 
  • The buyer hasn't received the purchased items as they were described 
  • The buyer hasn't received the purchased items

The chargeback process

  1. Your buyer contacts the credit card issuer to dispute a specific charge. 
  2. The credit card issuer contacts the appropriate credit card association, who then notifies Google of the chargeback. 
  3. If the chargeback is less than $10 USD, the chargeback amount will be automatically debited from your Checkout account. Therefore, if you receive complaints about an application, consider a refund to avoid the chargeback. 
  4. If the chargeback is greater than $10 USD, Google will alert you of the chargeback via email. You should only respond to this email if you have had any email correspondence with the buyer or any other information that could help us to contest the chargeback on your behalf. Occasionally we may also ask you for specific documentation. If you have additional information that you would like us to review, you must reply to the email by the indicated reply-by date. 
  5. Google reviews the details of the chargeback and, if possible, submits the evidence to the credit card issuer in an attempt to reverse the chargeback. 
  6. If Google successfully disputes the chargeback on your behalf, no further action is required. If the credit card issuer does not resolve the chargeback in your favor, your Google Checkout account will be debited for the full amount of the chargeback.

Chargeback liability

If you're found liable for a chargeback:

  1. You'll receive a notification email from Google with details about the chargeback. 
  2. You'll receive a credit for the variable amount of the transaction fee you were originally charged. 
  3. You'll be charged for the full amount of the chargeback. 
  4. The debited chargeback amount will appear on your Payout Summary page under Other activity.

Things to remember if you receive a chargeback notification

  • Because credit card issuers require that any documentation be received within a certain number of days, prompt replies to our information requests are necessary if you have any substantial information to contest the chargeback. Once this time frame has expired and the credit card issuer has resolved a chargeback in the buyer's favor, they will not review any additional documentation. 
  • The final status of a chargeback may not be determined for several weeks or occasionally several months after it is initiated. However, if your account is debited at any point, you will receive an email notification. 
  • Keep in mind that Google can only attempt to reverse the chargeback on your behalf. The credit card issuer is ultimately responsible for determining the resolution of a chargeback.

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