Visa cares about their users... not the marchants... and the more they get users, the more marchants will have to accept Visa...
By the way... it as nothing to do with the porn business.... with their new "Zero Liability" policy ....
http://www.usa.visa.com/personal/sec...h2_/index.html
Visa is giving a refund to anyone who is asking for it, on or offline...
Unless maybe you had something tangible shipped to you, and you signed something to receive the package...