@unknownuser said:
I have a few questions about Google Checkout (from a private message)
@unknownuser said:
1] What is your experience with regard to chargebacks using Checkout?
What kind of % of reverted transactions should I expect?
We have only had 1 or 2 Google Checkout transactions reversed over the past 2 years. Actually I cannot remember any. (My memory is fuzzy, because before we switched to Google we were getting a few fraudulent transactions a month. Google does a much, much better job of verifying the identity of the purchaser before informing us that the order is ready to ship.)
We have 1 or 2 transactions a month which are not completed. But we are informed of that before we process the transaction. Google tells us that a transaction has been initiated, but they wait between 15 minutes and 4 hours before they verify that they have charged the credit card. (Usually closer to 15 minutes). About 4 times a month they are unable to complete the transaction and they inform the user that he/she needs to enter a different credit card. About half of those are then completed using a different credit card and about 1/2 are not completed.
However, there are very few transactions which are ever reversed - and, as I say, perhaps that number is none.
@unknownuser said:
2] The Google Checkout dispute policy relating to digital products seems to be ambiguous. Is there any protection on downloadable software?
I believe that the Google guarantee - that they will pay for the transaction even if it later turns out to be fraudulent - does not apply to downloadable software.
However, this almost never happens. And from our point of view if someone does get a "free" copy of our software, we haven't really lost anything - since the fraudulent purchaser was unlikely to have ever paid for the software anyway. The fraudulent purchases with our prior credit card processor were almost always people who were using stolen credit card numbers, but they never actually used the software. (We require an email license and authorization after purchase and the fraudulent purchasers never completed that process. Also, we have a list of invalid Licenses which we include in future releases of the software, so if someone gets a fraudulent license they can never use upgrades (free upgrades to fix bugs). This list is mostly used for people who return the software for some reason. (We offer a 30 day money back guarantee. And also, some people purchase the software, get a license, and then discover that it does not work on a MAC).
@unknownuser said:
3] Is it a risk to use an unsigned cart?
We don't use a shopping cart. We use "Buy Now" buttons.
See out Purchase Page
I do want to use shopping cart software, because we currently have to generate and send the License number manually. But I haven't taken the time to implement one yet.
Let me know if you have other questions.