Well, actually, it's certainly not Visa. The 75 member coalition of writers, readers and publishers at BannedWriters.com wrote Visa a letter asking for confirmation on their policy and their actions with regards to paypal.
They categorically denied having anything to do with it. The letter is reproduced here: http://www.bannedwriters.com/2012/03/10/visa-writes-us-back-this-is-not-our-doing-paypal-censorship- erotica/
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