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At the mercy of Visa and MasterCard, I would guess. Doesn't OnlyFans work with CCBill, who exclusively work with adult content providers?

More info is needed to conclude, but it wouldn't surprise me if their upstream providers made demands.

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I highly doubt they are going through CCBill. They are too expensive at volume. Since they are only charging models 20% I suspect they tried to pretend to not be adult, which they probably weren't in the beginning. But not it is almost all adult and CC processors know that and want their higher cut.

There is this from January, where MasterCard wanted sellers of adult content to have more stringent verification of the age and consent of performers in the wake of the PornHub scandal, which I’ve seen people speculating may be related: https://thehill.com/policy/technology/548279-mastercard-upda...

These aren’t explicitly linked in the story but it would make sense IMO

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