Ask HN: How does onlyfans.com work around the “no porn” Stripe rule?

For reasons beyond this ask, I'm needing to use a payment processor that is fine with high-risk transactions (which the porn industry certainly fits in) so started looking around what adult websites are using.

Many are using probiller, vendo and similar, since Stripe and others have rules against porn/adult industry, citing high risk transactions for this.

But then I came across onlyfans.com, which is using Stripe for its payments, although Stripe has a strict "no porn" rule in their terms of service.

How does this work? Onlyfans is by now a huge website, with lots of transactions, so it's surely not flying under the radar. It's the only adult website I could find that is using Stripe.

Is it as simple as they have an agreement with Stripe to bypass the rule? Or am I missing something else obvious here?

Probably because the content is not public. I heard users just share cat pictures, so there is plausible deniability.

Doesn't Patreon (which also has a lot of porn content) also use Stripe as a payment processor?

Why do you think the porn industry is prone to more fraud/risk?

Onlyfans is a platform for content subscriptions. It just happens to be a popular platform for adult content.

Also, it surely makes them a ton of money.