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Place seitan in food processor; pulse until it has the consistency of ground beef. Set aside.
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Heat large skillet, lightly coated with spray, over medium-high heat.
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Add onion; cook, stirring frequently, for 5 to 7 minutes, or until transluscent.
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Add garlic, habanero, and seitan; cook, stirring frequently, for 3 to 4 minutes, or until seitan is golden brown.
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Add chili powder, paprika, salt (if desired), and pepper; cook, stirring frequently, for 2 additional minutes.
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Add black beans, kidney beans, and tomatoes; cook, stirring frequently, for 5 to 7 minutes, or until mixture is heated through.