based
image:
screenshot of a Tweet from Running With Scissors reading
"We've been told our games are too expensive in some countries but we've been using Steam's recommended pricing for a while. We trust Valve enough to not change this. If our games are still too expensive for you, you can pirate them until you have enough to support us."
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Their reason is: people is using g2a for "discounted" keys.
Where the "discount" comes? Easy, some asshole buys from their website many keys with a stolen credit card, then they will need to refund it + pay an expensive fee for the chargeback.
I'm not a dev but at that point I would just give up selling keys by myself and I would just rely on steam for fraud detection. The only case where the 30% fee is justified
In Europe at least if strong authentication was done during the purchase (and it is mandatory since a few years), the merchant is protected and the bank issued the card will take the loss. They don't need to refund or pay fees for charge back.
Are you sure? My stripe merchant account still mentions the 15 euro chargeback fee and now in my country is easier to ask for a chargeback, can do at the phone while before you needed to send a registered snail mail at a secret address with the right timing using a secret form, while sending a copy of the police report via fax
SCA (strong customer authentication) should indeed move the liability for fraudulent purchases to the issuer. Wording in contracts may still mention other things. We had to, for one specific payment service provider, explicitly tell them to only allow card purchases using SCA since we had problems with stolen cards. With some PSPs we could just refuse certain ECI codes. Been a few years for me and YMMV but if chargebacks are causing headaches it might be worth looking into.