5 ms·
So who is pressuring the processors?
by schnebbau 5mo ago
So who is pressuring the processors?
- theyeenzbeanz 5mo agoLots of anti porn groups out there that complain to them.
- mountainriver 5mo agoI’ve heard this is apparently less about morality and more about payments getting contested by men getting caught by their spouses
- presbyterian 5mo agoI don't have any data on this, so don't quote me on it at all, but this feels more like an excuse made up by paypros than an actual good explanation.
- saltyoldman 5mo agoNo one would have data on something like that! Wife finds out, husband says, someone stole my card! You expect them to own up later?
- dec0dedab0de 5mo agoThe reason doesn't matter, the data would be on the amount of chargebacks being made.
- amelius 5mo agoThose people should have used cryptocurrencies.
- prmoustache 5mo agoYou mean using currencies where all the transactions are public?
- 999900000999 5mo agoIt’s not even that complex. The chargeback rates might just be higher than the payment processors feel like dealing with. I’m more than fine with more transactions leaving the traditional credit card system. Giving Visa a 3% surcharge on the entire economy never felt right
- Pay08 5mo agoThe idea is that chargeback rates are that high because of people getting caught by their spouses.
- lotsofpulp 5mo agoVisa and Mastercard operate electronic payment networks for debit transactions, which are almost free, and would also be banned by this. Leaving the only other electronic payment methods as ACH (which is not ideal for most businesses), Paypal, and I don’t know what else.
- chimeracoder 5mo ago> I’ve heard this is apparently less about morality and more about payments getting contested by men getting caught by their spouses This is a common myth. The concerted effort that we've seen over the last 5-10 years in particular is the direct consequence of intense lobbying from a handful of groups that are openly backed by or aligned with right-wing religious groups, especially (but not exclusively) evangelicals. In case you have any doubts about whether "morality" is their motivation, one of the groups was literally called "Morality in Media", before renaming to the more official-sounding National Center on Sexual Exploitation. Despite the new name, they actually don't care very much about "sexual exploitation" as most reasonable people would define the term (such as child abuse) but instead consider all sex work to be "exploitation" and aim to ban legal sex work.
- deleted 5mo ago[deleted]
- paxys 5mo agoThat's not the reason. Cost of chargebacks falls entirely on the merchant. Visa/MC have no reason to care.
- mrsilencedogood 5mo agoWhat happens if the merchant folds or disappears? Stripe (or Visa or whoever) then are the bagholder. And if someone has a ton of chargebacks, it's not uncommon they're then difficult to collect from.
- eclipticplane 5mo agoThen hold back a portion of funds in escrow.
- mrsilencedogood 5mo agoAh good job, you fixed it. I suggest you let Stripe and Visa know, I'm sure they'll be keen.
- qingcharles 5mo agoI've worked in this space. I feel like the statistics about chargebacks are thrown around because they sound like they could be real. The real chargeback rate is actually incredibly low. Probably way less than Amazon or anyone selling physical objects.
- presbyterian 5mo agoConservative religious groups
- KennyBlanken 5mo agoYup. I forget the exact name of the campaign - it was something like "twelve pillars" - but decades ago the religious right realized that they were losing everything in court and their candidates were wildly unpopular in elections. So they shifted to just infiltrating banking and forcing their moral superiority complex on everyone else that way. That's why porn stars can't have checking accounts (and then become targets of property theft and violent crime - because the criminals know they are unbankable, so they have piles of cash around.) Fun fact: the most "Christian" religious states have the highest rates of teen pregnancy, rape, divorce, murder, property crime, etc. Plus christian religious leaders seem to be attracted to child sexual abuse like Elmo is to piles of cocaine. I feel like maybe one should focus on cleaning up one's own moral house and lead by example before screeching to everyone else that they're going to hell for jerking off to a picture of a naked man or woman on the interwebs.
- jerf 5mo ago[retracted]
- pfisch 5mo agoI think the pressure is just coming from behind the scenes. The religious right knows many of their views are unpopular so they don't act in the open. They find underhanded ways to force their views onto us. Abortion bans wouldn't survive a simple up and down vote in almost any state, yet abortion bans are happening across the country. The religious right really has their claws into this administration, and the far right has a much larger say in things than it seems like they would based on their proportional representation in the population. Things like gerrymandering and closed primaries don't help.
- chimeracoder 5mo ago> The religious right knows many of their views are unpopular so they don't act in the open. They find underhanded ways to force their views onto us. Abortion bans wouldn't survive a simple up and down vote in almost any state, yet abortion bans are happening across the country. They do act out in the open! That's why it's so maddening to see how pervasive the belief that this isn't a push from right-wing groups is. They are extremely open about their goals and about their ideological alignment, and they have been at literally every step in the process. They're telegraphing every single move in real-time. But for some reason, people just don't really want to believe it. It turns out, the best way to get away with a heinous agenda is not to hide it, but to be completely open and direct about it. If you tell people exactly what they want and it's horrific enough, they will refuse to believe it's true, because nobody would be that cartoonishly villainous, right? The sex industry isn't the only area where that principle works, although (like with many "technologies") it was one of the first where it was successfully applied.
- jerf 5mo agoOctober 2021, Mastercard unilaterally imposes additional constraints on adult sites: https://www.commercegate.com/mastercard-issued-an-updated-set-of-rules-and-requirements-for-merchants-operating-with-the-content-for-adults/ https://www.commercegate.com/mastercard-issued-an-updated-se... August 2021: OnlyFans CEO Blames Porn Ban on 'Unfair Actions' of Banks, Media: https://www.pcmag.com/news/onlyfans-ceo-blames-porn-ban-on-unfair-actions-of-banks-media https://www.pcmag.com/news/onlyfans-ceo-blames-porn-ban-on-u... April 2024: Japanese Adult content platform DLsite disables Visa/Mastercard payment after attempt to outsmart credit card companies: https://automaton-media.com/en/news/dlsite-disables-visa-mastercard-payment-after-attempt-to-outsmart-credit-card-companies/ https://automaton-media.com/en/news/dlsite-disables-visa-mas... It's not a sudden new thing. The financial theory seems to explain all the facts.
- xyzzy_plugh 5mo agoBanks
- voxic11 5mo agoBut who is pressuring the banks? https://en.wikipedia.org/wiki/Operation_Choke_Point https://en.wikipedia.org/wiki/Operation_Choke_Point
- xyzzy_plugh 5mo agoBanks frequently refuse to do business with, or heavily restrict, businesses that they deem risky from a financial perspective. Adult content, pharmaceuticals and travel are all industries that experience significantly higher occurrence of fraud and chargebacks than others. For example, your spouse sees a weird item on your credit card for a porn site. "Wasn't me! Must be stolen I'll report it." Sometimes it's the other direction. Travel businesses often get by on very thin margins with any significant balances due to deposits. If something happens, customers might get deposits back, or they might get chargebacks, and the business can rapidly end up deep in the red. Often times to bank successfully you need large stagnant balances that are semi-frozen, or meaningful collateral. This becomes problematic through payment provider platforms which other platforms build upon: it's not straightforward to manage these relationships through so many layers of abstractions. It's easier just to ban the industry. I don't know the specifics of Kickstarter, but I've seen this happen countless times, so it's not difficult to connect the dots.
- chimeracoder 5mo ago> Adult content, pharmaceuticals and travel are all industries that experience significantly higher occurrence of fraud and chargebacks than others. For example, your spouse sees a weird item on your credit card for a porn site. "Wasn't me! Must be stolen I'll report it." Sometimes it's the other direction. No, it has nothing to do with chargebacks. It's not even presented that way in their policies when they ban it. They consider it a "brand risk", which is completely different.
- throwaway85825 5mo agoIt could be any link in the chain. They will never tell you though. It's the perfect unaccountability machine.
- chimeracoder 5mo agoRight-wing, openly evangelical groups like Exodus Cry and Morality in Media, who have an explicit agenda to ban pornography and see this as an easy "next step" towards that end goal. They are also the groups behind the closure of big porn sites like XTube, the short-lived purge of adult content on OnlyFans (one of the few battles they lost), and the scourge of age verification bills that are sweeping the US, UK, and Europe. The goal with age verification laws is not to protect minors or fight CSAM (as much as they pretend it is) - it's to make it expensive and difficult to legally serve content that they disapprove of, producing a chilling effect. Note that the content they disapprove of is not limited to pornography, which is why many of these bills have such vague language that can apply to other things like information on abortion, or LGBTQ+ themed material. This is not an accident; the supporters of these policies are quite open about their intention.
- ogurechny 5mo agoDisapproval is only the first step. After that you can start looking the other way in certain cases. Not always in exchange for the money, just for public reverence and praise, i. e. the symbols of power.
- btown 5mo agoThe actual answer: hedge fund manager Bill Ackman. https://www.institutionalinvestor.com/article/2bswuu1nfc040ho7ghudc/culture/bill-ackman-sent-a-text-to-the-ceo-of-mastercard-what-happened-next-is-a-parable-for-esg https://www.institutionalinvestor.com/article/2bswuu1nfc040h... & https://finance.yahoo.com/news/visa-suspends-payments-for-ads-on-pornhub-after-lawsuit-pressure-from-hedge-funder-bill-ackman-171625930.html https://finance.yahoo.com/news/visa-suspends-payments-for-ad... > But he was friendly with Mastercard’s then-CEO Ajay Banga, whom he had met through a mutual friend. Ackman texted Banga, providing a link to Kristof’s story with his tweet: “Amex, VISA and MasterCard should immediately withhold payments or withdraw until this is fixed. PayPal has already done so.” (Ackman was unaware that American Express already did not allow its card to be used on adult sites.) > Banga quickly wrote back: “We’re on it.” > Then things began to move. Within days, Mastercard announced it had “instructed the financial institutions that connect the site to our network to terminate acceptance” of [PH] charges, saying it had found evidence of illegal activity and was continuing to investigate. EDIT: The antisemitism in some replies is disgusting and I reject it entirely. This post is about a specific, publicly reported action by one individual, not about any religious or ethnic group. Any attempt to turn this into conspiracy-mongering is bigotry, not analysis. I don’t want that associated with my comment.
- andtheboat 5mo ago[flagged]
- tt24 5mo agoWhat’s the implication here? Jews are forcing payment processors to ban adult content?
- nathanmills 5mo agoYes, that is exactly what is happening.
- throw4847285 5mo ago
- nekusar 5mo agoIf you dig, this issue has been brewing for quite some time. Long story short, its the hard-right conservatives and/or Christians who demand everybody *else* follow their recidivist ethics. Exodus Cry - https://en.wikipedia.org/wiki/Exodus_Cry https://en.wikipedia.org/wiki/Exodus_Cry explicit christian thinktank Collective Shout - https://en.wikipedia.org/wiki/Collective_Shout https://en.wikipedia.org/wiki/Collective_Shout not explicitly christian, but mirrors Exodus Cry almost verbatim Going down the rabbit hole of Financial Censorship also shows a few other bad actor sin this space. https://en.wikipedia.org/wiki/Financial_censorship https://en.wikipedia.org/wiki/Financial_censorship FiLiA - https://en.wikipedia.org/wiki/FiLiA https://en.wikipedia.org/wiki/FiLiA hard conservative feminist group, hates transgender Morality in Media (renamed to "National Center on Sexual Exploitation" to deceive as federal org) - Intersection of Conservatives and Christians, wanting to ban anything their bronze age beliefs indicate are bad. CATiW - https://en.wikipedia.org/wiki/Coalition_Against_Trafficking_in_Women https://en.wikipedia.org/wiki/Coalition_Against_Trafficking_... , another far-conservative anti-trans hate group.
- ecshafer 5mo ago> Collective Shout was founded in 2009 by Melinda Tankard Reist, an Australian conservative political activist, writer, anti-abortion feminist and anti-pornography activist So close
- 48123563 5mo agoYou have a clear history of anti-Christian sentiment on this site. Your comments repeatedly go beyond criticism of specific abuses and into broad hostility toward Christianity and Catholicism as such.
- nekusar 5mo agoTo be clear, its an anti-Abrahamic sentiment. This includes Judaism, Christianity, and Islam. We don't see much of Hinduism and Buddhism and Jainism where I'm at. And none of them are forcing their own religion as state/federal bills. (Although... India has a pretty bad Hindu nationalism problem, sigh.) At least in the USA (where I live), the Christians cant seem to follow their own rules. Instead, they seek to force their rules on everyone by subverting government by aligning with republicans and creating voting blocs. Ive even had christians in my local community publicly tell people (in service) to vote for trump going back to 2015, and later in 2022-2023. -- back when it was expressly illegal to do such as a church. I even had christian pastors publicly attack my MiL (she was a director for a local nonprofit). Called her the antichrist and a bunch of other shit. that spillover even hit my SO when they were doing in-home healthcare. Was chased out of their house with a crucifix wall hanging. Of course, trump's IRS now made church-based political endorsement legal. https://www.usatoday.com/story/news/politics/2025/07/11/irs-churches-johnson-amendment-politics-endorsements/84537752007/ https://www.usatoday.com/story/news/politics/2025/07/11/irs-... If they wanted to practice their own rules, I dont care. When they shift to forcing *me* to follow their rules, yeah, I'll be hostile.
- Aurornis 5mo agoStripe (their payment process) will service adult content sites. It's not actually banned, but if your business is involved in categories with high chargeback rates (travel, gambling, cryptocurrency, vaping, adult content) you have to pay higher fees to account for the higher fraud rate in those categories https://stripe.com/ie/resources/more/high-risk-merchant-accounts-explained https://stripe.com/ie/resources/more/high-risk-merchant-acco...
- kotaKat 5mo agowhich is funny, because then they spin around and say they don't allow crowdfunding. it's really asinine how stripe decides what is and what isn't allowed. (see also: "oh, you linked your stripe to ko-fi? banned forever!" happened to me, it'll happen to you!)
- Scaled 5mo agoI applied to stripe recentlyish as an adult game project with excellent processing history and very low chargeback rate and got denied.