I'd like to add that some of these issues stem from the early internet porn days, when chargebacks were due in part to easy fraud by individuals looking for free porn with a phone call (to credit company), and those who paid for porn without thinking about explaining the charge to significant others who would later see the info on a bill (leading to a call to bank to swear they did not go to such a site).
Some of the statistics of these problems stem from haxor forums and like making stolen cc's available and them needed a quick and cheap way to confirm the cards are still valid, seeking a site offering a $1.99 trial to test a card, adult sites were some of the first to make those available.
I read a story couple years ago saying the pizza delivery places in New York (I think) were getting abused by similar carder testers sending pizzas around town for the same reason.
There was a time ( 14 years ago maybe?) when a good chunk of adult sites started adding auto checked addons for additional sites to sign up for, knowing that the purchaser was likely not going to understand they were being opted into additional site sign ups, with more auto billing for higher prices after a trial period, with another set of hurdles to find the cancel options for said addon sites.
- "We have the tools to judge individuals and businesses by actions, not as members of arbitrary groups."
I do think it's easier these days to determine that a solo cam girl is not engaging in the kind of shady practices that warrant the extra fees to start processing, higher yearly fees, and higher percentages.
However it appears that companies are more concerned about price gouging the few adult sites that are left rather than make reasonable options available to smaller start ups that would avoid the bad behavior that gave the blanket industry a bad name to begin with.
There has been some discussion that pressure from certain groups within the federal administrations have made some banks not handle the monies at all, and others only take the risk of whatever publicity if it makes them enough extra money to warrant the transactions.
Although my senator writes me to say there is no evidence that operation chokepoint is forcing private money handlers to change how they do business with various small businesses, I think there is enough writing on the wall to see that a little pressure here and there is making things difficult on many legitimate and legal businesses.
Given how difficult it is to do business online without visa/mc acceptance, I think it's a terrible thing to be used to encourage or discourage any kind of information sharing.
It would be nice to see Stripe and others accept adult related processing.
It would be nice to have legal protections instead of back room threats for the opposite.
Certainly the companies put in clauses that say if you get a huge amount of chargebacks at some later time we can choose to make you pay the extra 1500 or $2500 or whatever it is that higher risk accounts require, and if you turn off the software that helps eliminate some of the "not quite sure these are legit card holders" or whatever the different places call fraud checking these days, then you pay a higher rate or whatever.
I find the whole situation discriminatory, and predatory.
It makes it harder for mom and pop shops, and keeps the bigger companies in positions of power to control what the smaller publishers can choose to fund and share.