@ryo@RecycleBinThe payment processors have for a while. Case in point, another instance owner wrote this.
https://web.archive.org/web/20210518172425/https://www.zerohedge.com/technology/section-230-isnt-problem-payment-networks-are"Consider a company like Patreon. They are an online crowdfunding service which handles donations from many supporters to many online content creators. Patreon has its own rules, uses Stripe as a payment gateway and payment processor, agrees to Stripe’s terms of service, and then Stripe coordinates with all major payment networks which each have their own set of agreements. That means every creator on Patreon must obey six different sets of rules. If the gateway were its own company, it would be seven. It is no wonder so many people get banned, as only the most tepid and inoffensive content creators could hope to meet so many different standards!
Patreon must keep Stripe happy to stay in business, and Stripe must keep all four payment networks happy to stay in business. If any one of MasterCard, Visa, Amex, or Discover pass a rule, then it affects the entire downstream ecosystem. If Discover (5% of the market) says an industry or behavior is prohibited, then Stripe must enforce that rule on all the merchants on their service (even merchants who do not process Discover). If Discover were to cut ties with Stripe, then Stripe would lose at least 5% of their transactions over night and any merchants who do want to process Discover cards. That is a large and dramatic blow to any company operating on small margins."
It's why say you can't buy r18 content from booth without using a credit card or rakuten pay for example. PayPal doesn't approve of it, but one of the 4 companies might be mad too.