Originally Posted by
AllieKat
Or people who want to buy sex toys from a shop that is breaking network rules as noted above (why is it that - even back in the US - sex shops seem to be the most paranoid about card fraud - and willing to break network rules over it)
Adult-oriented businesses experience a relatively high amount of chargeback fraud. Someone makes a legitimate charge and then a spouse or significant other sees the charge on the statement and gets upset... so to cover, the person who made the charge claims it must be fraud and initiates a chargeback, even though they know they made the purchase, just to smooth things over at home. As a result, these businesses try to maintain strong evidence to fight chargebacks.