@alice
I know PayPal has a whole department dedicated to extended deep dives on people specifically to do this. I believe the payment processor for BuyMeACoffee is Stripe, which is also puritanical but didn't think they were as aggressive about a loose connection. My guess is someone filed a report, but it's not any less frustrating.
Unfortunately it's a common problem for many adult content creators. CashApp has typically been the best bet, but far from great. And sometime recently started forcing folks to display their government name (and specifically the last name) instead of a display name. Also, you'd need to keep mention of any adult content to zero because they do still shut down accounts and forfeit funds for sex workers.
Crypto is naturally a backup option but far less stable or accessible.
Throne is not explicitly SW friendly, but is very commonly used similar to CashApp. Generally as long as nobody is explicitly linking or mentioning sexual content in the notes, and you're not advertising that on the listing, it's probably fine. It's technically a wishlisting site where people can buy stuff for you. Unsurprisingly, I keep mine full of rope. If something isn't available on their storefront, you can have a "cash gift" that is meant to correspond to a physical product that you can then _theoretically_ buy yourself. It does take extra time though.
YouPay (me) is one that I've heard is a good option from my SW friends. Some of them also use MintPay and MassPay but I have no first hand experience with these three.
Failing all of the above, fansly and manyvids allow tips. I think they keep a hefty portion though.
There is also a list of problematic "tippers" that are constantly doing chargebacks or maliciously reporting accounts as much as possible.
All of this is still so silly because you don't even make adult content tied to your tips. And even if you did, it should be okay and not something that locks one out of the banking system. I have plenty of experience getting my accounts terminated in roundabout ways, so I can rant for days about it.