> I understand that porn payments are a bit more risky but the providers can simply have a policy to deny chargebacks for this category and shift the risk to the customer. Similar to the way returns of sex toys are not accepted for hygiene reasons.
But chargebacks have nothing to do with return policies [1]. In theory, when you issue a chargeback you are basically saying "I didn't authorize this purchase". How do you have a general policy that says "you won't get charged for fraudulent charges, unless those fraudulent charges are porn"?
[1] If I buy a sandwich with my credit card, I can't then return it if I decide I'm not hungry 15 minutes later. But I can dispute the charge (dishonestly) and say that I never bought a sandwich in the first place.