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There was once a time when the bank would issue a retrieval request to merchants in adult, back in 1999-2000, and give those merchants a chance to dispute the chargeback. At that time however there were some very large operators, in both Australia and the US, that were basically collecting customers CC info, and then "banging" the credit card databases for millions of dollars per month. V/MC were just figuring out how to run credit card systems online at that time, and the fact that the adult industry took total advantage of their ineptitude led to issuing banks simply hitting the chargeback button as soon as they saw the adult merchant category code, no questions asked. Even with the subsequent increase in anti-fraud controls and the tightening of card-not -present procedures, this reaction continues to this day.
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