In recent years, international credit card payment organizations such as Visa and Mastercard have been cracking down on local websites and platforms that host legal but adult content, citing the need to protect their brand image. This move has sparked controversy among creators and consumers in Japan, Europe, and globally, despite the varying laws and cultural standards across regions. The blanket approach by payment giants not only ruins the livelihoods of many creators but also raises questions about freedom of speech and expression.