Looking at your HN history, your PayPal situation is not at all surprising.
Before this one, your most recent comment on HN was written ten months ago, promoting your website. One person replied to that comment. This is what they wrote:
“I signed up on profilepicture.ai and paid, but have changed my mind before uploading photos. There is no way to contact you through the site for a refund because the live chat isn't working and there isn't a support email. Also, when I search the help desk no content is returned. How can I reach you?”
You ignored that person.
It’s no wonder you are getting lots of chargebacks.
Before this one, your most recent comment on HN was written ten months ago, promoting your website. One person replied to that comment. This is what they wrote:
“I signed up on profilepicture.ai and paid, but have changed my mind before uploading photos. There is no way to contact you through the site for a refund because the live chat isn't working and there isn't a support email. Also, when I search the help desk no content is returned. How can I reach you?”
You ignored that person.
It’s no wonder you are getting lots of chargebacks.