I big part of the problem is that payment processors are getting in on the action (so to speak). PayPal in particular
PayPal isn't the problem. The problem were the major credit card companies, who contract with major banks for debit cards as well, stepping in and refusing to process payments to adult content distributors who don't follow their predetermined guidelines for how their business should be conducted...which indeed does include keeping age and consent proof on file, to be remanded to those institutions upon demand.
OnlyFans managed to skate by and stay in the major credit card companies' good graces, by prohibiting any payment that isn't 3D Secure. Meaning,
only the major credit card companies process OnlyFans transactions; that is to say, only the major credit card companies
profit from OnlyFans transactions.
That
sounds like a good policy. But sounding good is as far as it goes. Just as the case with the Nordic model and SESTA/FOSTA, what it really amounts to is a major push by anti-porn activists, and sex work-exclusionary and sex-negative types, to crack down on sex work using any cause which gains them traction and a facade of acceptability. And on account of what was mentioned in the first paragraph, a heaping double dose of privacy violation to go with it which inarguably puts adult sex workers who consensually engage with the industry at risk of exposure.
But hey, credit card companies
never have major data breaches that lead to personal information and critical private data released to malfeasant actors, or the general public, right?
And just like the Nordic model and SESTA/FOSTA, it won't actually stop the problem it's purported to stop, but rather drive unethical sex trade and human trafficking further underground, making it harder to track, investigate, and prosecute. No, the only people that have been and will be harmed by it, are legitimate sex workers. Because prohibition
always works, right?