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“American Express’ policy does not allow the acceptance of the card for digital adult content,” says Leah Gerstner, a company spokeswoman.

This rule has been in place since 2000, even though it’s federally legal to use a credit card to purchase most online adult entertainment.

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While credit companies typically want you to pull out their credit card for a purchase, the payment networks — American Express, Discover, Mastercard and Visa — won’t approve transactions that are treated as high-risk activities or run afoul of federal law, even if state laws allow it.

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