Your assertion regarding adult CNP risk is incorrect, they do in fact have much higher levels of fraud and chargebacks. The card networks came down on this category because of chargebacks, not because porn is bad.
I would also point out Adult CNP is far from the only category to get this treatment, but they are one of the only high risk categories that have four major banks more than happy to take their business. Travel sites, dating sites, and other high risk CNP merchants don’t have the same benefit.
The techniques described in this article are exactly why issuers block transactions. Merchants are trying to force transactions that are likely to be charged back by engaging in increasingly elaborate, and likely illegal, schemes.
If you’re operating a legitimate adult CNP site, there are plenty of options available to you and the adult-focused processors will hold your hand through rejecting sketchy charges even if it means lower up front revenues.
I have seen bad actors open up fake porn sites to obtain processing for their illegal activities because adult processing for legitimate sites is that available.
Edit:typos
I would also point out Adult CNP is far from the only category to get this treatment, but they are one of the only high risk categories that have four major banks more than happy to take their business. Travel sites, dating sites, and other high risk CNP merchants don’t have the same benefit.
The techniques described in this article are exactly why issuers block transactions. Merchants are trying to force transactions that are likely to be charged back by engaging in increasingly elaborate, and likely illegal, schemes.
If you’re operating a legitimate adult CNP site, there are plenty of options available to you and the adult-focused processors will hold your hand through rejecting sketchy charges even if it means lower up front revenues.
I have seen bad actors open up fake porn sites to obtain processing for their illegal activities because adult processing for legitimate sites is that available.
Edit:typos