I don’t get the example, any payment in China is basically a duopoly between WeChat and Alipay, meanwhile in US there are visa, mastercard, American Express and discover counting credit card payment only.
In the US, Visa and Mastercard control the backend infrastructure, giving them the power to decide who can use their services. This is why we see them blocking legal platforms or creators simply because a corporate board disagrees with what they are selling.
In China, this kind of corporate driven censorship doesn't happen. Tech corporations like WeChat and Alipay don't control the payment routing that is run by the state's central network. A merchant just needs a bank account and a QR code, and any customer can use it to pay them. The private apps cannot arbitrarily decide to block a legal merchant based on corporate politics or moral stances.
Exactly as the other comment pointed out, in China you would not run such a business to begin with, let alone to be blocked later by payment processors.
By legal platforms or creators I suppose you mean the dispute between card processors and platforms like steam, pixiv, dslite, etc about nsfw contents like anime child porn? Those stuff are already banned in China long time ago.
To give a real example of how China bans stuff, take ByteDance as an example. It used to run a joke sharing app roughly translates into Subtle Jokes that is on par with TikTok in terms of popularity. Then one day CCP decided it did not like it, then poof it's gone overnight. The founder issued a public apology and promised to almost double their censorship department in the future. Comparing to the TikTok case in the US, we got what? The funny-yet-pathetic legal tic-tac-toeing of Singaporean-not-Chinese nonsense. There is just fundamental difference in the scale and efficiency of censorship.
In China, this kind of corporate driven censorship doesn't happen. Tech corporations like WeChat and Alipay don't control the payment routing that is run by the state's central network. A merchant just needs a bank account and a QR code, and any customer can use it to pay them. The private apps cannot arbitrarily decide to block a legal merchant based on corporate politics or moral stances.