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What is more likely is the processors made the decision themselves and cited Mastercard's rule without interacting with Mastercard. If Mastercard cared about t

by jfyi 1y ago

What is more likely is the processors made the decision themselves and cited Mastercard's rule without interacting with Mastercard. If Mastercard cared about this stuff then processors like CCBill wouldn't exist. The absurd amount of money that porn brings in on the internet would dry up over night. This was a decision made by paysafe and paypall and so far they are the only ones not getting the blame pinned on them. Itch: Our processors told us to do it. Mastercard: That is correct, we weren't involved. Half of Hacker News: MASTERCARD AND VISA!!!!!! The other half: VALVE AND ITCH!!!!!! Paysafe and Paypall: Lol

amiga386 1y ago
> What is more likely is the processors made the decision themselves If you think that, please explain how the payment processors didn't say anything since Valve started selling adult games in 2018... and only a few days after Collective Shout specifically started targeting MasterCard and Visa (not PayPal or Paysafe)... the payment processors used by Valve cited MasterCard's rules to Valve? It's also MasterCard that set the rules. Valve can always get another payment processor. They can't get another payment processor that is not beholden to Visa and/or MasterCard.
- jfyi 1y ago
  Mastercard doesn't care. Payment processors that handle adult material exist but they charge a premium rate. These companies could switch to CCBill as quick as they could code it up. Exactly the same as what OnlyFans did. They would have to explain to their entire customer base across the board why they have to charge more though. Also, look at https://www.collectiveshout.org/open-letter-to-payment-processors https://www.collectiveshout.org/open-letter-to-payment-proce... They absolutely targeted paysafe and paypall. Paypall was the very first on their list, I wonder why that is. They knew the processor is the weak link. After 10 years in the POS industry, I can assure you it came from their processor. The only card network I have ever seen take action like this is AMEX and they have have separate processing. Processors involve themselves in their customers' business constantly for risk assessment. Collective action like this is enough to make them ask, "Should we treat this as a video game vendor or as adult industry?" It's that simple to tip the scale. Also, it doesn't make sense that Itch did it themselves. Why would they throw their vendors under the bus instead of just pulling the titles? Or are we supposed to believe they facilitated collective shout just to pull a couple of low value titles? I can't see any angle here that doesn't border on conspiracy.
  - amiga386 1y ago
    > They absolutely targeted paysafe and paypall OK, I read the link. They targeted Paysafe and PayPal AND VISA AND MASTERCARD AND DISCOVER AND JCB. All of them, in no particular order. Why did you not mention those? Why are Valve's and Itch's payment processors, instead of citing their own policies, citing MasterCard's policies? If "MasterCard doesn't care" then section 5.12.7 "Illegal or Brand-damaging Transactions" of MasterCard's rules, that specifically lists out transactions MasterCard prohibit processors from performing, specifically citing the percieved risk to MasterCard's brand... that's a really weird way for MasterCard to say they "don't care" about those exact sorts of transactions, which Valve's payment processors have been facilitating for Valve since 2018... until now, when a media campaign has put them and MasterCard, Visa, Discover and JCB on blast. If MasterCard "doesn't care", let them show it by completely removing section 5.12.17 of their own rules. They made those rules, and those rules say they care, no matter how much you say they don't.
    - jfyi 1y ago
      Ok, I'll assume good faith and answer that. I didn't mention those because you weren't questioning them. I feel that is kind of obvious. >(not PayPal or Paysafe)... As to paypal's policy... https://www.paypal.com/us/cshelp/article/what-is-paypal%E2%80%99s-policy-on-transactions-that-involve-sexually-oriented-goods-and-services-help384 https://www.paypal.com/us/cshelp/article/what-is-paypal%E2%8... >We don't permit PayPal account holders to buy or sell: Sexually oriented digital goods or content delivered through a digital medium. Examples of digital goods include downloadable pictures or videos and website subscriptions. Yeah it's a good question, why would they cite mastercard instead of their own policy? It's entirely anecdotal, but in my 10 years of experience dealing with a multitude of processors and payment gateways... that's what processors do. Their very first instinct is to make things someone else's problem. With maybe the exception of First Data, this has held up consistently for me. Of course a lot of our high dollar business was through First Data so who knows what other people's experience is. You are still completely avoiding the fact that processors that can handle this stuff exist. Sure Mastercard should probably change their rule, but that isn't going to change the situation. That is why Itch is looking at their options: https://www.rockpapershotgun.com/itchio-are-seeking-out-new-payment-processors-who-are-more-comfortable-with-adult-material https://www.rockpapershotgun.com/itchio-are-seeking-out-new-...

by jfyi 1y ago

amiga386 1y ago

> What is more likely is the processors made the decision themselves If you think that, please explain how the payment processors didn't say anything since Valve started selling adult games in 2018... and only a few days after Collective Shout specifically started targeting MasterCard and Visa (not PayPal or Paysafe)... the payment processors used by Valve cited MasterCard's rules to Valve? It's also MasterCard that set the rules. Valve can always get another payment processor. They can't get another payment processor that is not beholden to Visa and/or MasterCard.

jfyi 1y ago
Mastercard doesn't care. Payment processors that handle adult material exist but they charge a premium rate. These companies could switch to CCBill as quick as they could code it up. Exactly the same as what OnlyFans did. They would have to explain to their entire customer base across the board why they have to charge more though. Also, look at https://www.collectiveshout.org/open-letter-to-payment-processors https://www.collectiveshout.org/open-letter-to-payment-proce... They absolutely targeted paysafe and paypall. Paypall was the very first on their list, I wonder why that is. They knew the processor is the weak link. After 10 years in the POS industry, I can assure you it came from their processor. The only card network I have ever seen take action like this is AMEX and they have have separate processing. Processors involve themselves in their customers' business constantly for risk assessment. Collective action like this is enough to make them ask, "Should we treat this as a video game vendor or as adult industry?" It's that simple to tip the scale. Also, it doesn't make sense that Itch did it themselves. Why would they throw their vendors under the bus instead of just pulling the titles? Or are we supposed to believe they facilitated collective shout just to pull a couple of low value titles? I can't see any angle here that doesn't border on conspiracy.
- amiga386 1y ago
  > They absolutely targeted paysafe and paypall OK, I read the link. They targeted Paysafe and PayPal AND VISA AND MASTERCARD AND DISCOVER AND JCB. All of them, in no particular order. Why did you not mention those? Why are Valve's and Itch's payment processors, instead of citing their own policies, citing MasterCard's policies? If "MasterCard doesn't care" then section 5.12.7 "Illegal or Brand-damaging Transactions" of MasterCard's rules, that specifically lists out transactions MasterCard prohibit processors from performing, specifically citing the percieved risk to MasterCard's brand... that's a really weird way for MasterCard to say they "don't care" about those exact sorts of transactions, which Valve's payment processors have been facilitating for Valve since 2018... until now, when a media campaign has put them and MasterCard, Visa, Discover and JCB on blast. If MasterCard "doesn't care", let them show it by completely removing section 5.12.17 of their own rules. They made those rules, and those rules say they care, no matter how much you say they don't.
  - jfyi 1y ago
    Ok, I'll assume good faith and answer that. I didn't mention those because you weren't questioning them. I feel that is kind of obvious. >(not PayPal or Paysafe)... As to paypal's policy... https://www.paypal.com/us/cshelp/article/what-is-paypal%E2%80%99s-policy-on-transactions-that-involve-sexually-oriented-goods-and-services-help384 https://www.paypal.com/us/cshelp/article/what-is-paypal%E2%8... >We don't permit PayPal account holders to buy or sell: Sexually oriented digital goods or content delivered through a digital medium. Examples of digital goods include downloadable pictures or videos and website subscriptions. Yeah it's a good question, why would they cite mastercard instead of their own policy? It's entirely anecdotal, but in my 10 years of experience dealing with a multitude of processors and payment gateways... that's what processors do. Their very first instinct is to make things someone else's problem. With maybe the exception of First Data, this has held up consistently for me. Of course a lot of our high dollar business was through First Data so who knows what other people's experience is. You are still completely avoiding the fact that processors that can handle this stuff exist. Sure Mastercard should probably change their rule, but that isn't going to change the situation. That is why Itch is looking at their options: https://www.rockpapershotgun.com/itchio-are-seeking-out-new-payment-processors-who-are-more-comfortable-with-adult-material https://www.rockpapershotgun.com/itchio-are-seeking-out-new-...