I've run into this issue in the past, but I also can't blame them. Has everyone forgotten the early 2000s when porn sites would use 0-days to embed dialers in your computer to rack up huge dial-up charges? Or offer you 'trial' memberships and make it very very difficult to cancel?
Visa and MasterCard eventually stepped in and made the banks do extra legwork for the porn sites. That had to leave a bad impression on them.
It's not even really the chargebacks: You'll still be considered high-risk even if you can demonstrate having very few chargebacks. It's more that you're lumped into a pool with some very bad actors in an industry that has a bad history.
Oh, I agree entirely. I suspect the "File Sharing" sites may have the same issue. I wonder how many people charge-back the payment for "Download GoT S05E01.mp4 here"?
File sharing sites are definitely scam central. There are entire sites built around advertising pirate downloads of niche content via pay-only download sites which are actually just files filled with null bytes, then profiting from the referral fees.
porn sites either charged you or installed dialers, not both.
and the charge backs on the legit ones were so high because the operators for the scammy ones needed to sign up, download everything, get his money back, and serve you the stolen content.
Visa and MasterCard eventually stepped in and made the banks do extra legwork for the porn sites. That had to leave a bad impression on them.
It's not even really the chargebacks: You'll still be considered high-risk even if you can demonstrate having very few chargebacks. It's more that you're lumped into a pool with some very bad actors in an industry that has a bad history.