> but the providers can simply have a policy to deny chargebacks for this category.
Which then allows the porn providers to do very shady things.
The problem with porn is that the players on both consumer and provider side tend to be really shitty. The consumers are causing a bunch of chargebacks whenever they get called out for porn or trying to get porn for free.
However, the providers aren't innocent either. LOTS of OnlyFans girls get called out for not delivering what they promised which certainly should be able to be charged back. The big aggregators are generally run by people that will absolutely push the boundaries of dark patterns fully knowing that in person interaction will be embarassing while a chargeback isn't.
I agree, you can't end chargebacks on this category. You could maybe require a chargeback for 'i didn't buy this' to disable that card for that category (maybe that's a feature you want anyway?). You could maybe require enhanced authentication for this category (3D-secure??). You could charge merchants a higher fee and/or hold payments for a much longer time to avoid the need to pull the money back from the merchant. I think most chargebacks need to be started within 120 days of the initial charge, and it's fairly annoying to need to wait 4 months to get paid, but it's better than not being able to access payment methods.
Which then allows the porn providers to do very shady things.
The problem with porn is that the players on both consumer and provider side tend to be really shitty. The consumers are causing a bunch of chargebacks whenever they get called out for porn or trying to get porn for free.
However, the providers aren't innocent either. LOTS of OnlyFans girls get called out for not delivering what they promised which certainly should be able to be charged back. The big aggregators are generally run by people that will absolutely push the boundaries of dark patterns fully knowing that in person interaction will be embarassing while a chargeback isn't.