[maccard]

The 3% payment charge is the transaction fee, but that doesn’t take into account the actual handling of the rest of the transaction lifecycle, like managing refunds, or chargebacks. A single chargeback will cost you $25 whether it’s successful or not (plus refunding the transaction if you lose), but on google play and co it’s just refunded.

[Jensson]

> but that doesn’t take into account the actual handling of the rest of the transaction lifecycle, like managing refunds, or chargebacks

They do, which is why credit cards take that much, cost of chargebacks is a part of the transaction fee.