[wilfra]

This is the online equivalent of "protection" money the mafia asks for when they say they're going to burn down your store if you don't pay them.

I applaud making it easier for people to file chargebacks but shame on your business model.

Edit: after reading the explanation given below perhaps the business model is not as bad as it first seems - if that's the case, you need to make it more clear! It looks like you are encouraging people to file chargebacks and then shaking down the merchants for money with the threat of the chargeback getting filed if they don't pay you.

[mario1900]

Maybe using the word "protection" on the business page was a bad idea. Merchants don't need to pay us to resolve chargebacks. We just try to make their services better in the future through premium data services. Please see this comment http://news.ycombinator.com/item?id=4799225

[wilfra]

you're also not being honest with your users. you're not actually filing chargebacks on their behalf, at least not at first. you're asking for their permission to harass/spam/threaten the merchants they have a problem with - then filing a chargeback if you don't get what you want.