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I feel like nobody cares really and none of the companies care, but are all worried because of the massive stranglehold 2 players have (and realistically each h
by IanCal 1y ago
I feel like nobody cares really and none of the companies care, but are all worried because of the massive stranglehold 2 players have (and realistically each has almost entire control).
Mastercard don't care you want porn, or games, or whatever. Neither does VISA. They like money. They want money and want people to move their money so they can siphon off some of it for their own pockets. Almost nobody is going to avoid using a bank because their card provider let some other people buy rude games on steam.
The payment processors don't care. They want you to send money through them so they can take their cut.
Steam doesn't care. The people making the games don't care. They all just want to sell stuff.
The only thing that impacts this really is chargebacks, which iiuc are much more common with adult stuff.
But payment processors can't guarantee what mastercard or visa will do, and players like steam (and they're huge, this is not about tiny store issues) can't guarantee what payment processors will do and given the potential downside - blocking all sales - people need to be careful.
While I can see how these situations come up, it's also absolutely insane as an end result because I just want to give *my money* to someone else. I've ended up using crypto before for buying things, not for ideological reasons, but purely because I could buy them and then give them to someone else for the "flagged as risky" goods/services because I couldn't pay for things using my money and my card.
- giantg2 1y agoThis has nothing to do with charge backs and everything to do with the Australian and US laws.
- IanCal 1y agoWhat laws are stopping Mastercard taking money for adult games but not onlyfans or pornhub?
- giantg2 1y agoIt's not for adult games, but for sexually violent games in Australia. Also, Pornhub already appeased the payment processors when they purged a bunch of content. https://en.m.wikipedia.org/wiki/List_of_banned_video_games_in_Australia https://en.m.wikipedia.org/wiki/List_of_banned_video_games_i...
- simion314 1y ago>The only thing that impacts this really is chargebacks, which iiuc are much more common with adult stuff. I think this makes no sense, like "we makes less profits from adult stuff because of charge back, so let\s give up on this profits". Anyway this companies did not use this excuse so why do this old excuse is resufecing now if they did not use it.
- giantg2 1y agoThey usually just charge a higher fee for the riskier category. If a particular vendor has too many charge backs, they could drop them for that. Obviously not the case with Steam.
- IanCal 1y agoI didn’t say it was an excuse given here, have you tried reading the whole comment? It’s not very long and shouldn’t be hard to understand. If it is I can help explain it.
- simion314 1y agoWe are not on reddit here, have you paid attention? Now seriously, you brought some old excuse here for some very inteligent reason, explain please? Do spouses will read that the guy bought something from Steam and she will then conclude the dude is playing very adult games? The excuse does not work as far as I can see, so explain your thoughts or explain why you are just pasting random excuses and then act like a redditor
- IanCal 1y agoRead the whole comment because that statement is not an excuse, it is simply a nod to how it differs from other payments. The rest of the comment explains why I think the situation arises like this. It really isn’t hard to read so try and if you think your understanding clashes with my explanation of my comment feel free to assume I’m bad at making a point and read it in good faith. I clearly don’t understand your issue with what I wrote, and won’t with more accusations of being like a redditor.
- jonathantf2 1y agoFor a while my old bank would block all Steam payments on both debit and credit - calling them confirmed that this was their new policy. I swiftly closed the account and moved to a competitor so I could spend my money again.