Maybe it’s like weed, where there are overarching federal regulations that supersede local legality.
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Probs the cc companies
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How would they even know the specific content? I think I might be missing something in my understanding of those platforms and what they communicate to processors?
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I don't know if they know, but if you're big enough it's hard to hide; fetlife is a pretty big platform and it's pretty easy to check to see what's tolerated there.
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Idk about that specifically, but word from a lot of people is that MasterCard has a lot of sway when it comes to what is deemed acceptable.
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When the aliens inseminated earth and created the human species, they forbade payment processors from having kink-related customers
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Probably for similar reasons they're prudish about illegal stuff. The bag man is not an innocent bystander, and if you're so close to the line you gotta ask, you're probably too close. Upstream stakeholders (eg banks) take similar measures, which makes it easier to just avoid.
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It’s a complicated web of interests that span the globe. Hard to nail down to one thing I particular but companies are “better safe than sorry” with things like that.
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With no evidence, I suspect that payment processors have a lot of barely-enforced laws aimed at them, so when an enforcer "suggests" that e.g. they disapprove of fetish sites or kratom vendors or whatever, processors act, because strict enforcement would put them out of business.
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