[awinder]

Regardless of the ethics of this approach (I don't even want to touch that part), continuously charging back has a number of ways that can ultimately hurt you:

1. If you run this scheme enough and your credit card company flags your account for excessive chargebacks, you could very well have that card shut down and take a credit hit along with it. 2. More and more companies implement against (effectively) data brokers who are going to tie your chargeback history into a risk score. This very product from Stripe is absolutely going to score risky behavior in part based on past chargeback history.

What's easier & takes less time now is not a guarantee on something being a net good decision, so other people should think twice before going with a scheme like this.

[GarrisonPrime]

Few consumers are going to be aware of such potential drawbacks, and those who are will generally risk it anyway. I think you underestimate people’s eagerness to trigger a system that makes them feel powerful and righteous.

[awinder]

Oh I am fully aware of people’s eagerness, which is why I’m not even going to start with the parent poster. I’m here for anyone else who comes by who innocently thinks that might be good advice ;-)

[londons_explore]

Regulations like the GDPR together with consumer outrage will prevent companies using risk scores for too many things that materially affect the customer.