Fraud and chargebacks

 

Google Pay transactions are treated in the same way as your current e-money card transactions. Merchants are subject to the same liability rules and chargeback policies, so merchants handle disputes and chargebacks on transactions regardless of whether it’s made through Google Pay.

Google Pay has fraud prevention features intended to protect customers and merchants, reduce disputes and chargebacks, and enhance the experience for everyone who uses Google Pay.  

Fraud prevention 

When a customer attempts to add a credit or debit card to their Google Pay app, Google passes the card details entered by the user to the card issuing bank. The card issuing banks then assesses a customer’s data and other signals against risk criteria through a process called identity and verification (ID&V) to confirm that they are eligible to digitize their card.

In short, the ID&V process results in the customer being approved and allowed to add their card to Google Pay, or being able to add the card after completing additional authentication steps.  These steps can include the customer verifying their identity by phone with the bank, or by using a one time password sent by email, SMS, or on via their bank statement.

Chargebacks

Google Pay transactions are treated in the same way as your current credit and debit card transactions. Merchants are subject to the same liability rules and chargeback policies, so merchants handle disputes and chargebacks on transactions regardless of whether it’s made through Google Pay.  

Merchants receive notification of customer disputes from their acquirer or payment processor, then respond to the disputed charge with the evidence required by card association rules. The card issuing bank is ultimately responsible for determining the resolution of a chargeback.  
 

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