They do! It's called a high risk merchant account. Their payment processor would do it: https://stripe.com/ie/resources/more/high-risk-merchant-acco...

> Also I think it is weird that when someone steals a bank card, they use it to buy adult games instead of buying an iPhone or MacBook and shipping it to the third world country.

iPhone or MacBook purchases are expensive enough to trigger fraud detection reliably. A $19.99 adult content purchase less likely to.

It's not just stolen credit cards, though. Adult content purchases have another problem where purchasers often deny having made the purchase when their significant other finds it on the credit card statement. Shaggy's "It wasn't me" defense.

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codedokode 2 days ago | parent | next [-]

> Adult content purchases have another problem where purchasers often deny having made the purchase when their significant other finds it on the credit card statement. Shaggy's "It wasn't me" defense.

Ridiculous. People who consume adult content could at least behave like adults.

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slowmovintarget 16 minutes ago | parent | next [-]

Is consuming "adult" content behaving like an adult or a hedonistic teenager?

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Aurornis 2 days ago | parent | prev | next [-]

Most of them do.

It's a math problem: If a credit card processor takes 3% of the purchase price and the average purchase is small like a $10 item or a $5 monthly commitment, it doesn't take many disputes to blow up their business model. Disputes are costly because you have to pay humans to deal with paperwork and phone calls.

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mrguyorama 2 days ago | parent [-]

Why do you believe this?

They charge you a large fee for every chargeback. They get the full purchase price of the transaction back without any effort. It's automatic. Meanwhile your merchant fee per transaction is directly tied to how many chargebacks you produce.

Chargebacks do not cost the payment network any money at all. All cost is borne by the merchants. That's the whole point. That's why chargebacks are effective: Because the payment network is an all powerful authority in the matter and has no incentive to deny chargebacks.

	▲	Aurornis 21 hours ago \| parent [-]
		Stripe has a $15 chargeback fee last time I worked on this. If you believe $15 covers all of the human labor involved plus the cost of their management chain and employment, I wish I could be as optimistic as labor costs as you.

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gowld 2 days ago | parent | prev [-]

They could, as soon as people who police the consumptino of adult content behave like adults.

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miki123211 2 days ago | parent | prev [-]

That, and hormone-filled teenagers (ab)using their parents credit cards. This is called friendly fraud, which is also the reason why some gaming items are higher risk than one would naively expect.

	▲	MertsA 2 days ago \| parent [-]
		Like when Runescape allowed you to purchase membership via a premium rate number. Lots of fraud going on back when that was a thing and a big part of why it's no longer a thing.