There is a huge difference between something like a porn site, and a service which just happens to have adult content on it due to users sharing such content. T

There is a huge difference between something like a porn site, and a service which just happens to have adult content on it due to users sharing such content. The first, which involves paying for adult content explicitly, may have a higher chargeback rate due to things like embarrassment about the charge showing up on a bill. The second has no such issue, the user is paying for a service which is unrelated to the content being shared by the service's users. Payment processors treating both identically is complete bullshit. Some people just hate porn, and they are trying to force their views on the world. Sadly, because there are no competitive competitors (adult payment processor fees are outrageous) they have no incentive to change their policies.