[cddotdotslash]

Sounds like a simple service someone could provide. API with two endpoints: one that takes the hash of an email address + details about the chargeback (dollar amount, etc.) and another that returns some kind of score based on the same email hash.

Merchants could opt in to the database by agreeing to share chargeback data. If someone on the list tried to sign up, the merchant could either block the sign up or present an alternative/safer payment method (e.g., direct deposit).

All that being said, no idea if it'd be worth it for merchants.

[kilobite88]

anyone want to help me build this? first we get traction on hackernews (as we clearly see demand for it), join YC, sell to startups, serve ethoca their lunch, then potentially get acquired by Stripe?