It’s not your bank, it’s payment networks and stripe’s partner banks. Visa and MC are notorious for being the de-facto arbiter of allowed businesses, they have extensive yet vague guidelines on what is allowed due to porn stuff a long time ago and their partners try their best to read the tea leaves to see if what they do is fine.
If they are making editorial/values based judgement on who they allow to process payments on their platform then it seems they cannot be immune under the common carrier defense and are liable for being sued for refusing to do business with lawful entities, no?
No, Visa and Mastercard aren't common carrier and they don't need a defense. Like any other business in America they can choose not to serve you for any reason or no reason at all (so long as it isn't the illegal discrimination of a protected class)
