Every payment service provider is required to filter transactions if they offer payment services to consumers. (Part of AML, anti-money-laundering legislation) In essence, there's a set of things that money can't be spent on, and it's their responsibility to take measures ensuring that their customers don't spend (in significant amounts) money on that, and show that these measures are reasonably effective (i.e. that they're not just for show - if they assist their customers to circumvent their filters, that's a crime) or not offer payment services at all. For some of the wider restrictions (e.g. payments to cuban nationals) it may result in quite wide-catching automatic filters; and it's the choice of the company whether just to block the payment or spend time and $ to have a human look at the payment and make a decision on whether you can spend money on that or not.
If you want to use services that ignore what you can spend money on and what you can't, you literally have to use illegal services - no legitimate company in the western world is allowed to offer that.
If you want to use services that ignore what you can spend money on and what you can't, you literally have to use illegal services - no legitimate company in the western world is allowed to offer that.