It's not a "claim" you can win or dispute. Everything is managed by Google, and if the user files a chargeback on their credit card, Google will look into it to see if a.) the ip address doesn't match the card holder's addres, b.) or if anything else to dis/prove the purchase.
So technically, if you send out an invoice to "John Smith," just because he pays with a credit card from "John Smith" doesn't mean that's who he is. So if it turns out that the $300 payment made to you was from a stolen card, that $300 charge is reversed.. Even if you have already had that payment deposited into your bank account.
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