Who gets to define the risk, though? Currently the payment processor gets to decide what's risky (and how risky) and what isn't -- with no need to justify it to anyone -- so they could just say that online pornography companies' risk justifies a -- totally proportional -- 237% fee (or whatever high number they want that makes using them infeasible).

Or does someone have to sit down and write a law or regulation that says "the risk for providing payment services to an online pornography company is X, and thus the processing fee is Y%"? I guess that could work?