https://help.gumroad.com/article/156-gumroad-and-adult-content
This is a recent one that came up, but this happens every few months. If payment processors just did their jobs there wouldn’t be as much of a need for other ways to do transactions. It’s also still a pain in the ass to send money to individuals in other countries even when everything works the way it’s intended.
My area is able to keep them open for about 7 total minutes yearly.