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> I suspect that itch.io may consider working with somebody like CCBill to allow payments for adult content, and use a "normal" processor for everything else.

by gs17 1y ago

> I suspect that itch.io may consider working with somebody like CCBill to allow payments for adult content, and use a "normal" processor for everything else. That is what I would do, or at least attempt to do. Except AFAIK Visa/MasterCard are not okay with this. Because it's not actually about fraud or chargebacks. > The cost of 15 minutes of labor from a human being wipes out the profit on the next zillion transactions Chargeback fees are paid by the merchant for card-not-present transactions, regardless of outcome. It's not a real reason, regardless, since there'd be no point to go so fine-grained about what adult content is banned if all adult content has chargeback/fraud issues.

JohnBooty 1y ago
OK. So you believe that the credit card industry really really really wants to be in the business of moral policing. I, on the other hand, have experiences with payment processing for NSFW material, and based on these experiences my understanding is that the CC industry doesn't particularly want to be in the moral policing business, but avoids NSFW stuff because of legal and profitability concerns. However, as an outsider I admittedly have no direct insight into what actually happens inside the CC industry. So my question to you is -- what are YOU basing your opinion on?
- gs17 1y ago
  Based on their behavior. Nothing they do makes sense otherwise. > but avoids NSFW stuff because of legal and profitability concerns This, for example. They weren't enforcing a law, and there's no "profitability" issue as they could simply make the fees and reserves higher. So they might say that's why, but it obviously isn't the case. If it were, they'd demand a lot more than a few random handfuls of games be removed, and would target a lot more than adult content. They also would be totally fine if you sell that content through another payment method, because it's not their liability or profit at stake. However, if they're trying to censor content that isn't to their liking, this behavior makes sense.

by gs17 1y ago

JohnBooty 1y ago

OK. So you believe that the credit card industry really really really wants to be in the business of moral policing. I, on the other hand, have experiences with payment processing for NSFW material, and based on these experiences my understanding is that the CC industry doesn't particularly want to be in the moral policing business, but avoids NSFW stuff because of legal and profitability concerns. However, as an outsider I admittedly have no direct insight into what actually happens inside the CC industry. So my question to you is -- what are YOU basing your opinion on?

gs17 1y ago
Based on their behavior. Nothing they do makes sense otherwise. > but avoids NSFW stuff because of legal and profitability concerns This, for example. They weren't enforcing a law, and there's no "profitability" issue as they could simply make the fees and reserves higher. So they might say that's why, but it obviously isn't the case. If it were, they'd demand a lot more than a few random handfuls of games be removed, and would target a lot more than adult content. They also would be totally fine if you sell that content through another payment method, because it's not their liability or profit at stake. However, if they're trying to censor content that isn't to their liking, this behavior makes sense.