Be careful: paying with Google Pay is extremely easy and the default setting is monthly recurrence. If you're not logged in, the only way to cancel (as far as I know) is by sending an email, which is incredibly precarious.
> When you start a recurring donation of $25 or more in September, your initial gift will be matched 2:1.
For example, I have a Pixel Care+ subscription, billed monthly. I can manage and cancel that subscription. Same for Google One, billed annually, and an in-app subscription (links out to Google Play). Can change payment methods, add or remove a backup method, etc.
So, if you did set up a recurring donation through Google Pay, go to payments.google.com (on a desktop system) and see whether it can be managed through the web interface there. You'll need to verify your account.
PayPal has also offered good tools to manage recurring payments and subscriptions. If you set up payments through PayPal then you should be able to modify or cancel them, without even involving the payee.
However I believe they have an easy cancel button if your donation is associated with an IA account, too.
So, if you feel like you've been charged unfairly (e.g. product not what was expected), in error, fraudulently etc. then chargeback is the route and you should provide a reason. It's a mechanism to protect consumers. If on the other hand you just want your money back without good reason then chargebacks are not the right tool. The consumer also has an obligation to pay if there was no fault on the merchant side.
Honestly, sounds like everything is as it should be?
In both US and EU, chargebacks are a general consumer protection tool, implemented by card networks to make you less afraid of using them with potentially-untrustworthy merchants, even when not legally required.
They can be used for any kind of legitimate grievance, outright fraud being just one of them. If you book a hotel and the room is not up to the standards on their website, take pictures, take screenshots and chargeback.
They are not, however, a way to cancel a subscription you decide you no longer want (incidentally, neither is cancelling your card). Ask your lawyer, but this is actually illegal and considered fraud in many places. If you make a dumb choice, you have to live with the consequences or follow the contractual route.
This is unhinged. Then I can chargeback at McDonald’s because the burger doesn’t look the same as the picture. I still ate it and you probably still stayed in the room.
There's one for subscriptions where you give it a monthly limit and if you want to end your subscription and they're being difficult you can just cancel the card.
It's great to basically never be beholden to anyone holding my payment info hostage. I know charge backs exist but while I've never had problems, I would imagine the more you end up having to go down that avenue the more likely you are to have problems using it.
They offer similar possibilities to what Visa and Mastercard offer, including changing your transaction amount post-factum (E.G. Uber everywhere, restaurants in the US for the weird way Americans do tip processing, some hotels for the minibar / phone / TV bill) and recurring charges.
They're not the same thing as in-app purchases, which are for digital content only, which Apple and Google charge much higher commissions on, and which have a much more pleasant cancellation / management UI. With IAP, Google / Apple is the merchant from your bank's perspective, this is not the case with Apple / Google Pay.