Payment processors don't know which game you bought. That's not the concern.
Their concern is that the store they do business with provides services to content they deem inappropriate. Frankly, I'm surprised they allowed this much for so long given the past.
Why credit card processors are puritans, I have no idea. But MC, Visa and PayPal have historically always been super anti-porn.
To properly do this the phone has to support it at hardware level. Pixel and iPhone have this feature but don't know about yours. There are apps like battery guru which will alert you, but you have to manually unplug at that point.