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I think it is about charge backs. Visa and mastercard hate charge backs. Porn has a very high charge back rate and these cost card companies so much they will often just cancel the merchant agreement. With a charge back there is human customer service involved, customer denials, fraud and complicated dispute resolution. This is why the processors that specialize in porn (ccbill) charge up to %15 per transaction. I don't think the processors wanted to go after onlyfans - they just would rather not deal with the drama. However, like onlyfans discovered, if you offer to pay a %15 per transaction fee - processors will work with you. Processors do not have morals - they are just trying to make money. They don't mind handling transactions for gun sales, tobacco, strip clubs or pyramid schemes.