We were actually considering adding a checkbox for allowing the project to keep the money even if it wasn't successful, but the boss said no as it would apparently give a bad impression to backers. I don't really understand why that would be so, though.
It leaves it more open for fraud, half-baked projects, unrealistic projects and so on. Kickstarter is a little safer for the backers, and it also highlights the importance of making sure you have good feasible pitch and project, if you don't you want get any funds. Both approaches has pros and cons.
I see your point. However, I was talking about a checkbox here, so you would be allowed to choose which kind of backing you want to provide. I still think that giving the choice to the user is best, but then again, users tend to be quite stupid surprisingly often.
Still, I suppose there's also the sector to consider. Here we're talking products, games, while my field is more projects somewhere around charity. It does make a difference.
IndieGoGo always charge immediately, but in the case of Fixed Funding projects, the money is refunded in case of failure (I backed Starforge, which is Fixed and was charged in the same moment), I guess is a limitation of PayPal
FYI, Paypal allows for fee free return of the money during the first 60 days of a payment. That's why our own campaigns usually last 60 days by default.