Because authorize.net is a payment gateway, not a processor. You'd still need a processor and the one your bank works with will have similar requirements.

Honestly, those rates are better than I expected. I think OnlyFans has a 20% rate and the one real experience I have had with processors that handle adult industry was nearing 30%. They had legitimate fraud problems though.

I didn't even consider that as an option. I will look into it. Thanks for the suggestion!