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Basically the right thing is the combination of these last two reps... it's ok for a company to process for adult. Just as long as they keep a good view and control on things and most company's lose that control when they grow big. Look at PayPal, when it comes to account verification and purchase disputes they have no clue what they're doing. And all these fuckups happen because they grew too big too fast, and it's not bothering them because for every unhappy client posting a bad experience on the web, they get 1000 new happy clients. But if I was running a payment processing company for the adult biz, the first thing I would create is logging of member's access and download behavior so that when they apply for a refund, you can check whether they got what they paid for. Payment processors should also work together on creating a global blacklist so that credit cards, people and ip addresses that are involved in fraud, can be banned globally from all sites and processors.
I know nothing about the gambling biz simply because I don't like gambling and never do it but I can imagine it attracts a lot of fraud because it's all about money... on top of that there are the ones being addicted to gambling, those are really dangerous. People will do more trouble to get a few thousand dollars, than for getting access to some porn site, including hacking into systems and using stolen credit card details.
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