I am not sure what you are referring to, but in the US, if you purchase anything with a CREDIT (not necessarily so with DEBIT) card, and you are in any way not satisfied, you can call your CREDIT card company and tell them that you ar the victim of a fraudulent merchant. They, by law, will immediately credit your account and charge back the merchant. It is up to the merchants to prove that the charge is good and recover payment. If you use PAYPAL and pay for the items with your charge card, you have this protection.
I paid for your coolticker w/paypal, you came back with message cannot verify info so you didn't give me a place to register even tho paypal emailed me immediatly with all the purchase info. Please register my download of coolticker or give my money back.