@Carmen a high risk transaction applies everywhere, people are always trying to defraud other people. Like you mentioned, the adult world is prime target for fraud, so anything adult is considered high risk.
Basically:
1) Lots of the time people buy adult stuff (like cam shows) and then feel bad that they did it because they've been taught it makes babies Jebus/Mohamed/Whomever cry. So to pretend like they didn't do it, they call their credit card company and dispute the transaction. Until they do that a bunch of times, the company will refund it.
2) One party to a couples' credit card account buys an online adult show. Other party gets the credit card bill.
"Honey, did you buy this thing?"
"*gulp* No I don't recognize that transaction."
"Someone must have stolen our card! I'll call the credit card company and get it refunded!"
3) People who DO steal credit card numbers online generally run a few transactions first, before actually starting to buy and ship things. You guessed it, porn. They get to test the credit card number without giving any kind of address away, they get to test to see if the card is real and they get to get off.
4) Cheap bastards with porn shame buy an item, destroy it after using/watching it and then claim they never got it, "lost in the mail, the download didn't work, the file was busted" The company has to send them another one.
5) Porn companies themselves tend to go out of business pretty quickly. People think it's going to be easy to make a buck, but then it isn't and they quit. It costs a lot for an auxiliary company to start a new client account, and they recoup the cost by expecting that you'll be using their services for a while. If you don't, they don't get their money back.
6) Other stuff that I haven't thought of.
Every time this happens someone is out money. We all want our money back, right? So whether it's the service provider, the company, their merchant account, the payment gateway, the credit card or the insurance accounts from one or all of those people, someone is getting burned by providing a service and not getting money. We're not even going into the time that's invested into all of this.
"Adult transaction" is a risk factor for fraud just like other things like high volume orders, first time buyers or certain addresses. Companies limit their exposure to risk however they can. In the case of adult transactions, many companies have decided it's just not worth the risk and won't take us.




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