[alvarosm]

In the cases I was talking about, it was Google. They don't even attempt to charge the cards until a certain period of time (1 hour or so? more than the 15-minute refund period anyway) has passed, so the cancellations happen before any attempt to charge the card, so it's Google, not the banks.

[pja]

Sure: just to clarify, I was only talking about my specific transaction there.

Clearly, Google can and will manage to make a craptacular mess of handling payments for other people in whatever ingenious ways they can come up with!