5 ms·

So funny how people think this is a moral crusade. You should read articles around the tech stack for payment processing at any adult site. People try to do cha

by j_m_b 1y ago

So funny how people think this is a moral crusade. You should read articles around the tech stack for payment processing at any adult site. People try to do chargebacks all of the time on these kind of services. "Hunny what is this transaction on our account for BigBussomsCom?" .. "Oh must be some kind of fraud" "then let's call the bank and straighten it out". It's variations of this, over and over that lead to the high chargeback rates. I seem to recall that chargebacks are an order of magnitude higher for adult-oriented transactions. Unless you have a system of countering this with a team devoted to it, you will have a lot of successful chargebacks. I doubt Valve has the specialized team needed to deal with the amount of chargebacks, this the CC companies trying to avoid the headache.

welloktheb 1y ago
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raincole 1y ago
It's so funny that people think it's about chargeback. If you buy smut game on Steam, your bank statement won't show the name of the game. It looks exactly like any other transaction you make on Steam. > "Hunny what is this transaction on our account for BigBussomsCom?" .. "Oh must be some kind of fraud" "then let's call the bank and straighten it out" This is a scenario that literally can't happen in the Steam case. It could happen with Pornhub but not with Steam. And Steam has a very generous refund policy. If your playtime is less than 2hr you can ask for a refund with a few mouse clicks. No phone call or email needed. Actually in my experience if your playtime is just over 2hr for a bit they'll still refund you. If you chargeback you can get your whole steam account suspended.
- Arch485 1y ago
  To add: AFAIK most adult content websites bill under a different, innocuous name as well. You don't get a charge on your credit card from BigBussomsCom, you get a charge from SuperCard or something like that. (uh... I know because of a friend...)
  - LorenPechtel 1y ago
    Yeah. Never dealt with an adult content website, but in my admittedly limited experience adult products always come in innocent packaging and generally bill under innocuous names.
martini333 1y ago
You actually believe this yourself?
nodja 1y ago
If what you said were true then they would ban all porn and not just rape/incest/bestiality porn. They're banning specific genres of porn which makes it an obvious morality issue. I can't back this up with facts but the chargeback myth smells of an old astroturfing campaign to justify the moral policing on porn in general. But nowadays porn is more commonly accepted so they're shifting to more specific genres. The new myth seems to be that payment processors can he held legally liable for facilitating illegal transactions, but the only lawsuits vs payment processors I can find is about child pornography, which has always been banned on steam. When added that there was an advocacy group that sent an open letter to payment processors a week ago for this same exact issue[1], then the chargeback excuse has zero merit. So yeah, it's 100% a moral crusade. Which side you sit on the crusade it up to you. [1] https://www.collectiveshout.org/open-letter-to-payment-processors https://www.collectiveshout.org/open-letter-to-payment-proce...
tkj922 1y ago
Just came here to ask. Is it a norm to not have any personal fund cache while in a relationship? I would not like anyone, spouse included, to question me about my purchases of (redacted), nor would I want to question them on purchases of the newest (redacted) or whatnot. What's the purpose?

by j_m_b 1y ago

welloktheb 1y ago

[dead]

raincole 1y ago

It's so funny that people think it's about chargeback. If you buy smut game on Steam, your bank statement won't show the name of the game. It looks exactly like any other transaction you make on Steam. > "Hunny what is this transaction on our account for BigBussomsCom?" .. "Oh must be some kind of fraud" "then let's call the bank and straighten it out" This is a scenario that literally can't happen in the Steam case. It could happen with Pornhub but not with Steam. And Steam has a very generous refund policy. If your playtime is less than 2hr you can ask for a refund with a few mouse clicks. No phone call or email needed. Actually in my experience if your playtime is just over 2hr for a bit they'll still refund you. If you chargeback you can get your whole steam account suspended.

Arch485 1y ago
To add: AFAIK most adult content websites bill under a different, innocuous name as well. You don't get a charge on your credit card from BigBussomsCom, you get a charge from SuperCard or something like that. (uh... I know because of a friend...)
- LorenPechtel 1y ago
  Yeah. Never dealt with an adult content website, but in my admittedly limited experience adult products always come in innocent packaging and generally bill under innocuous names.

martini333 1y ago

You actually believe this yourself?

nodja 1y ago

If what you said were true then they would ban all porn and not just rape/incest/bestiality porn. They're banning specific genres of porn which makes it an obvious morality issue. I can't back this up with facts but the chargeback myth smells of an old astroturfing campaign to justify the moral policing on porn in general. But nowadays porn is more commonly accepted so they're shifting to more specific genres. The new myth seems to be that payment processors can he held legally liable for facilitating illegal transactions, but the only lawsuits vs payment processors I can find is about child pornography, which has always been banned on steam. When added that there was an advocacy group that sent an open letter to payment processors a week ago for this same exact issue[1], then the chargeback excuse has zero merit. So yeah, it's 100% a moral crusade. Which side you sit on the crusade it up to you. [1] https://www.collectiveshout.org/open-letter-to-payment-processors https://www.collectiveshout.org/open-letter-to-payment-proce...

tkj922 1y ago

Just came here to ask. Is it a norm to not have any personal fund cache while in a relationship? I would not like anyone, spouse included, to question me about my purchases of (redacted), nor would I want to question them on purchases of the newest (redacted) or whatnot. What's the purpose?