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"Well they're private companies." The pro-censorship puritans and meddlers love farming their oppression out to monopoly corporations.

Many vendors do block sales of firearms (or anything resembling 2A) due to similar risk factors. It's extremely difficult to find a gateway and processor that's 2A friendly. The small number of vendors that are 2A friendly usually require an FFL to further mitigate risk.

If you can find a gateway and processor that has an underwriting team that will not require an FFL, that would be a sight to behold.

It's often the banks who block the processors. (If the processors block it of their own accord, it's due to fraud/chargebacks).

I am not sure why the banks are so puritanical.

I suspect the fraud rate for porn is much higher than for most other categories and the cost doesn’t make business sense.