Many people are attacking you here but I suspect you're right. Here in the UK, we have infrastructure for digital direct bank to bank payments (e.g bypassing Visa & Mastercard). That should mean as long as you have a bank that's willing to work with a service that sells adult content you're OK but:

- Many banks are not OK with that

- Even if you find one who does, finding an Open Banking provider to be that middleman is a nightmare

Short of working with the financial conduct authority to be your own financial institution, it's makes getting paid a pain if you want to accept adult content (even if you have all the safeguards and comply with all UK law!). I can't see anything but it being indirect pressure to censor, and to push smaller players out of the market - such that it's easier to regulate the industry.