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They're only shutting down payment for digital goods, so I'm guessing it has something to do with fraud and risk.

• jordanthoms 12y ago
  Payment for digital goods is the only payment that's left from the Checkout shutdown (other than Android).
  • mikeevans 12y ago
    Instant Buy is for non-digital goods.
    • jordanthoms 12y ago
      Instant Buy doesn't actually process payments, it gives you a virtual card and then you need to use your own credit card processor.