We're what's broken. Our prudish approach to adult entertainment.
"Joe" would have a happier life if he and his wife were open about how much money they were each spending on porn. They might learn something about each other. Hiding it in layers of shell billing companies isn't just ridiculous at the technical level described here, it's unhealthy.
Also needs to be noted that —as others have said— card processing companies need to get the hell out of the way and just deal with money at a fair risk level. Adult entertainment is higher risk than a card-present or delivered transaction, but absolutely no worse than your Netflix subscription. Considerably less risky than the in-app junk that Adyen happily underwrites ("My toddler bought this without my permission, waaa").
"Joe" would have a happier life if he and his wife were open about how much money they were each spending on porn. They might learn something about each other. Hiding it in layers of shell billing companies isn't just ridiculous at the technical level described here, it's unhealthy.
Also needs to be noted that —as others have said— card processing companies need to get the hell out of the way and just deal with money at a fair risk level. Adult entertainment is higher risk than a card-present or delivered transaction, but absolutely no worse than your Netflix subscription. Considerably less risky than the in-app junk that Adyen happily underwrites ("My toddler bought this without my permission, waaa").