What can be done to loosen card companies' grip on this? It has been a constant problem now for decades.
Regulation and anti cartel laws.
Adult business is legitimate business in many parts of the world and companies using their monopoly to suppress it should be a case for an Investigation.
Instant payment systems that go direct from bank to bank, assuming the banks, the government or any other intermediaries don't also decide to not allow it.
Or cryptocurrency, I guess.
Choose a payment system by a company that is not as opinionated. Apple pay, for example.
Use ACH/Zelle/Paypal/etc.
The permanent solution is a federal government operated electronic money system operated as a utility with constitutionally protected rights.
in a word, regulation.
Likely nothing.
The simple fact is, Visa/MC don't want to deal with porn because the number of chargebacks and fraud from porn purchases is significant and a huge outlier compared to most other charges. Their crusade against processing charges for adult material isn't about purity, it's simply business.
Denmark has seen a trend where their national card network (Dankort, operating at the equivalent level to Visa and Mastercard) is seeing reduced usage.
They're aiming to reverse that trend.
https://cphpost.dk/2025-06-28/general/new-political-agreemen...
Not all European countries still have these independent networks.