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It's because adult is high risk and no one gives a shit. Take ccBill for example, if someone does a charge back - ccbill takes the money from your account no questions asked. In mainstream if a customer files for a charge back - the merchant gets a re-presentment (they get to send information to the bank trying to prove their side of the story). Every merchant does this by the way, it's how the system works. However in adult - they don't care - every merchant just takes your money and gives it back to the card holder. My friends who work in the credit processing industry say they actually love "adult" charge backs, because they're soooooo easy to deal with. They get the charge back from the card holder - tell the merchant - and the merchant replies instantly by giving the money back no questions asked.
(by the way, I'm not calling out ccbill - just using them as my example - as all the other processors do the same and it's not just a ccbill issue)
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