They do! It's called a high risk merchant account. Their payment processor would do it: https://stripe.com/ie/resources/more/high-risk-merchant-acco...

> Also I think it is weird that when someone steals a bank card, they use it to buy adult games instead of buying an iPhone or MacBook and shipping it to the third world country.

iPhone or MacBook purchases are expensive enough to trigger fraud detection reliably. A $19.99 adult content purchase less likely to.

It's not just stolen credit cards, though. Adult content purchases have another problem where purchasers often deny having made the purchase when their significant other finds it on the credit card statement. Shaggy's "It wasn't me" defense.

I see random offhand unsubstantiated online comments here and there including here on HN, that 1) chargeback rates of porn, games, and digital contents are significantly lower than anything else, and 2) credit card companies already charge higher fees for porn despite that.

Combined with prevalence of the suspiciously well standardized "because porn users and gamers chargeback Steam purchases way too often" canned responses, I think it's just an excuse, if not "the" excuse somewhere - like the basis for using incorrect data for internal risk modeling or something like that.

It's not people using stolen cards, it's people feeling shame or regret after making an intentional purchase and using chargebacks to "undo" the purchase