I was at a bank/credit card company as a software dev, we were always just warned about it being a cluster fuck for business people that have to make a lot of excel reports due to those kind of issues.

From my perspective, if a client(like a porn co) repeatedly had high rates of charge backs, fraud teams are aware of that being possible fraud, business teams know that its causing a clusterfuck and might be losing the bank/cc company money, so its easier just not to support that client so less work has to be done.