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The dispute rate is certainly true for companies under the general umbrella of “subscription services”, usually meaning porn / webcam sites, and there are trigg
by bjowen 5y ago
The dispute rate is certainly true for companies under the general umbrella of “subscription services”, usually meaning porn / webcam sites, and there are trigger points where the payment processor will switch off a facility that exceeds a certain dispute volume.
OF has been increasingly making use of step-up authentication to avoid disputes, which is the way the non-US payments industry is heading. My guess would be that if disputes are in fact the reason, it’ll be because the step-up authentication isn’t available or working for some significant slice of the market.
That said, I don’t think that’s the reason. Switching off porn altogether means the vast majority(citation needed) of OF’s content will be gone, which means this has to be a life-or-death move. MC has been placing legality/consent/age restrictions on adult content, including real-time monitoring of content / chat [0]. My guess is that this is onerous enough that it breaks OF’s business model.
[0] https://www.webshield.com/post/mastercard-introduces-revised-standards-for-adult-merchants https://www.webshield.com/post/mastercard-introduces-revised...
- cphoover 5y agoWhy? Why can't they use stripe identity verification https://stripe.com/identity https://stripe.com/identity to verify age/consent of user's who upload adult content?
- manquer 5y agoThe person uploading may or may not be in the video, or the other participants could be under age. Figuring out the age of people in a video is lot harder. Also stripe identity really works for US users the most , with a global audience like OnlyFans that could be limiting as well
- cphoover 5y agoHmmm I guess you could use it and have snail mail as a backup...It'd be better than nothing probably? Yea I'm not sure how you validate everyone in the video has a verified identity and age... Perhaps machine learning could automate some of this. Stripe has selfie validation... so if you could do something like that on the video where faces in the video are compared to the identities provided... If there isn't a match then the video is flagged for review.
- superfrank 5y agoOh, that article you linked is interesting, especially since it says it takes effect Oct 15 and OF's changes take place Oct 1st. I think at the company I worked at most of what is in there around record keeping wouldn't have been a problem because there were laws that required the company to do that already. The "pre-screening requirement" could be problematic though. > All uploaded content must be reviewed prior to publication to ensure that it is not illegal and does not otherwise violate Mastercard’s standards That one seems crazy. I have no idea how much content they get uploaded daily, but I would guess it's a massive amount. If they needed a human to view 100% of the uploaded content before it's allowed to be published... I just don't see how they could do that profitably.
- biztos 5y agoI don’t think review per se would be such a problem: just charge a per-upload review fee. That might weed out some of the creators who are not yet making any money and can’t/won’t invest in the effort, but is that really a bad thing for the platform? I think the hard part is the hand-wavy stuff you’re supposed to be looking for. How are you supposed to know whether some unusual sexual act violates their standards? Or whether gay porn is legal in all applicable jurisdictions for instance?