Likely it's those selling predominantly adult content. Amazon's offerings are not predominantly adult in nature. Nor are Netflix's. Presumably, if there's a higher occurrence of fraud with those merchants whose wares are predominantly adult in nature, processors consider these types of business more risky. However, they (processors) already have a tool at their disposal to combat fraud: the rate that's charged to the merchant for taking payments. My understanding is that riskier businesses tend to pay a higher rate for their card processing as kind of an insurance against (inevitable?) fraud. And then it would be my opinion that an account shouldn't get terminated except due to actual (excessive?) fraud.

> And then it would be my opinion that an account shouldn't get terminated except due to actual (excessive?) fraud.

Except VISA won't tolerant a fraud rate that requires 300% fees to cover costs.

From what I've read about this elsewhere, sites offering mainly or predominantly (what some may take as) pornographic content are much more likely to have credit card charges disputed and refunded. Husband buys porn, wife notices the charge, husbands denies it was him and demands refund. Minor buys porn with parent's account, gets caught, denies he did it, parent disputes charge. The payment processor ends up eating the disputed charges, to the point where it is no longer profitable to do business with the sites.

People are much less likely to deny that they opened a Netflix subscription.