[brookst]

Any actual data you can share?

My understanding from friends in the payment industry is that the “high fraud rates” are just people lying to their credit card companies when their spouse / whoever questions the charge.

If someone has the ability to process fraudulent credit card charges, why in the world would they waste that opportunity buying $20 of digital porn rather than a physical good that can be sold?

I believe GP that the issue is just pressure from evangelicals resulting in a de facto boycott of the woke porn virus.

[qingcharles]

I know people who work in this space. I have seen the actual data. The chargeback rate for these sites is incredibly low. The sites themselves will issue their own refunds without question to avoid getting the card companies involved.

It is 100% a PR issue, not a fraud issue.

[rsynnott]

I mean from the processor's POV it hardly matters _why_ there is high fraud, just that there _is_ high fraud.

[brookst]

Sure, and that's why rates are high. But the person I was responding to was asserting it in the context of "all porn is a massive criminal operation."