First thing to understand here is that Visa and MC don't really care about adult -- they care about chargebacks and fraud. They are in business to make money and they want to do web transactions -- lots of them, or they wouldn't spend the money they do on advertising how great it is to use your cc on the web.
CC's are the predominant way to pay, and will remain so for quite some time. Even paypal users have to manage to get money into the system and most of them do it by cc.
Here's an interesting article, it's long, but it should give you a very good idea of why adult takes the bad rap from the cc's that it does. Over the last couple years there have been some very questionable things done with cc's on the adult net -- things we are all paying for now in lower cb allowances and tighter rein by the cc's.
http://riverfronttimes.com/issues/20...tml/page1.html
And while I can't speak for any other processors, I do know how our fraud scrubbing works and it's nothing like what was posted here.
We maintain a very acceptable cb rate, our banks and the cc's have assured us of that, and in doing so our fraud scrubbing still accounts for less than 10% of the declines that come through. The bulk majority of declines is and will remain bank declines -- people with no money in their account.