The best thing to do if you operate a business which gets a lot of chargebacks is to find a payment …

does that mean if a group of people don't like you they can chargeback-bomb you and get you banned?

Not critiquing you but the approach - that's abysmal UX. If PayPal blocks your account with no feedback, that's incredibly anxiety inducing. And in an environment like finance, good communication of the status of the account should be the difference between an "oh okay that's fair" and a lawsuit for theft.

Isn't the real issue that Paypal lets both consumers and businesses receive money, and consumers are far more likely to be fraudsters - receiving money and not sending goods or requesting chargebacks for goods they have received etc. If you use a credit card merchant that does more vetting of the seller side businesses, they're more likely to give you the benefit of doubt if you start getting chargebacks and not lock everything.

It happened to me a while ago and while chatting with support they had my birth date wrong and thought I was underage. When I told them that they just deleted the support thread. I had only ONE charge back, in 2015 I think. I would understand if they would try to cooperate or ask for more info to prove things. But they have too much power and it's easier to just limit accounts. In times of high interest rates it's even better.

But Danny will have a $80k gaping hole in his cash flow for half a year. Some businesses would not survive this

If you are at or above 1% chargeback you are going to get problem at any normal payment processor. Source: https://www.chargeflow.io/blog/chargeback-threshold-limits

> After the 180 days, Paypal will give you the remainder of the money back, so the title is clickbait, they will get back their money. Not always, they can take it sometimes as "damages"