@cameron

So it’s not as straightforward as max 4% chargebacks (like when a spouse discovers a porn payment and the person goes oh that wasn’t me and reverts the CC payment) still incur fees paid by the creator/site and this happens a lot with porn plus failed payments occur at a higher rate both on the customer AND processor level (they have automated AML measures that stop suspicious txns but the criteria opaque to end users). It’s so bad typically adult sites will often implement some sort of payment processor waterfall in case they need to try again with a diff method. This all drives up the blended cost also 4% on OF revenue is an extra 40 mil 🤷‍♂️

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