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PayPal stops payouts to models on Pornhub

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Re: PayPal stops payouts to models on Pornhub

#521

Post by noobermin »

em-bee wrote: post #460
wincy wrote: post #441

Earlier quoted context omitted.

Profiling isn't illegal unless it's profiling against a protected class, right? It's like how I can't get cheap life insurance because I took antidepressants like seven years ago during a rough patch in my life.

profiling is illegal when the service is necessary to live. in germany for example, it is illegal to deny someone access to things like a phone line, electricity or water. (that is, even if you don't pay your bills, they are not allowed to turn of your service. instead, if they want the money, they have to sue you) i believe at this point, access to a bank account is also included in this. as things progress, more th…

The cop out for "protected classes" is one of the serious failures of the New Left in the US and past generation progressive attempts to wrangle with social issues. It's one of the reasons you have things like clamoring for representation in small dwindling influential places (the meme is "more trans women drone pilots") whilst ignoring systemic issues like how Flint, Michigan still doesn't have drinking water.

I've made this argument before and made Americans (obviously) mad, but this cop out of protected classes allows you to actually discriminate against said classes, you just have to prove there is no malice in your heart, more or less. That is, you did not because they are black or not men, but because of the sanctioned reasons, then it's okay.

Re: PayPal stops payouts to models on Pornhub

#522

Post by StreamBright »

short_sells_poo wrote: post #264
geomark wrote: post #257

Earlier quoted context omitted.

This is the thing I find very disturbing. That an industry as highly regulated and essential to every day life as banking can pick and choose based on management's moral choices.

It's not a moral choice. It's a case of the business is not worth the hassle. KYC rules mean the bank is on the hook if they are found to harbor ill gotten gains and the sex industry had a some troubles in the past, while not producing enough volume on an individual level to make it worthwhile for a bank to overlook things.

Are you implying that you need to punish an entire industry because of the wrongdoings of some companies?

I guess we should close all the bankers accounts because of Lehman Brothers. Politicians also.

Re: PayPal stops payouts to models on Pornhub

#523

Post by bsder »

skunkpocalypse wrote: post #341
xtracto wrote: post #272

Earlier quoted context omitted.

It will be funny that, as with other technologies from the past, pornography will be the use case that will finally bring cryptocurrencies to widespread adoption in society

Halftone magazine printing? Check. Videocasettes? Check. Internet? Check. Thank heaven for prurient smut, driver of all great technology. Without it we would still be in the stone age.

You forget laserdiscs, smaller videocameras, DVDs, and online payment systems ...

It's also probably the only thing really using VR/AR right now to any significant degree.

It used to be that there was a porn convention at the same time as CES in Las Vegas. For a lot of years, the porn conference was the better of the two from a technology standpoint.

Re: PayPal stops payouts to models on Pornhub

#524

Post by egeozcan »

Bombthecat wrote: post #513
bcheung wrote: post #247

Earlier quoted context omitted.

I've had several friends in the adult industry have their checking accounts closed at a several major banks as well. Traditional banking should definitely not be discriminating against fully legal activities.

Forbidden in germany. There is literally a law, which basically says: everyone needs to have and is allowed to have a banking account.

I'm living in Germany, the bank account of my neighbor in Commerzbank was closed because he wrote "hooker money" in description when sending money to one of his friends. At least that's what we believe because they refused to explain why. He could easily open another account in Volksbank and according to him, when the new account manager asked and learned why his previous account was closed, they had a pretty good laugh.

I used to get "funny" too when sending money through PayPal to friends, never again.

Re: PayPal stops payouts to models on Pornhub

#525

Post by teniutza »

oneplane wrote: post #430
Terretta wrote: post #403

Earlier quoted context omitted.

SCENARIO Usually it’s not stolen credit cards, usually it’s their card but they say it was stolen and try to do a charge back. Hubby pays for porn. Wife looks at bill. Hubby denies it, must have been identity theft! They demand a charge back since clearly card stolen by unknown porn hound, not innocent hubby. CONSEQUENCES Card processors and especially customers of card processors get their accounts flagged for too m…

Or maybe just tell your wife that you like to buy porn.

*Ex wife

Re: PayPal stops payouts to models on Pornhub

#527

Post by usr1106 »

usr1106 wrote: post #498
mysterypie wrote: post #321

Earlier quoted context omitted.

> In Germany every bank is obliged to offer everyone a so-called base account That's very commendable; I wish more countries had such a regulation. Does it extend to non-citizens living in Germany? What about to visitors to Germany? Could someone open an account (by right) while there on a holiday?

Non-citizens absolutely. Completely illegal immigrants no, but rejected asylum seekers who cannot be reasonably expected to leave the country yes. (The term is "geduldet", but I don't know the exact legal definition.) Visitors no, I'd guess.

Right, now I see why you ask, I wrote citizen right. Maybe I should have written human right.

In German there is the term of the "foreign co-citizen", not sure what an English equivalent would be. So when I wrote citizen I had in mind those with German citizenship and foreign co-citizens. It just includes everyone living in the country. (Illegal immigrants are smaller topic in Germany than the US, so there is little need to think about that distinction.)

Re: PayPal stops payouts to models on Pornhub

#528

Post by tluyben2 »

IAmGraydon wrote: post #420
bcheung wrote: post #247

Earlier quoted context omitted.

I've had several friends in the adult industry have their checking accounts closed at a several major banks as well. Traditional banking should definitely not be discriminating against fully legal activities.

Checking accounts or merchant accounts? Most banks shy away from processing credit cards for adult sites because the chargeback rate is sky high and it therefore presents elevated risk. It has nothing to do with discrimination.

Or just fix that system; here (EU) it is not all that easy to chargeback (and impossible in many cases) because payments are secured; if you yell fraud, they will start an investigation (mostly automated); if the IP you paid from was around your house, you filled in correct info, you did 3dsecure (which is used on all my cards now; I had a few that did not have it and they got frauded, but a simple check showed it could not have been me and they reversed them all; they now have 3dsecure too for that reason) which means you knew specific secret information, maybe have a token device and/or the phone of the card owner, they will decline the chargeback request. If you are in your country most of the time and suddenly there is a 1000E charge from a merchant in Dubai, they will block it and call you.

The ease with which you can do chargebacks in the US is harmful in a lot of cases imho. I have been a merchant (of digital goods; gaming, not gambling or adult) and got annoyed enough of US chargebacks (including from Paypal) that we started doing annoying KYC and added very long waiting periods before product delivery for US customers. We had certain payment methods (bank, and there were some payment methods that do not allow chargeback) that had immediate delivery. That fixed it, mostly. It hurts sales, but I rather make less revenue and more profit than pay for product only to lose it to scammers.

Re: PayPal stops payouts to models on Pornhub

#529

Post by sumedh »

jeltz wrote: post #357
x0x0 wrote: post #300

Earlier quoted context omitted.

I doubt it's moral choices and more fraud and dispute levels, ie the cost to service a customer.

I am not convinced it is just that. PayPal also refuses to do business with online gambling which is an industry with low fraud levels (in the early poker days they were high, but that was a long time ago). Thankfully there are a bunch pf credit card processors who know how good customers online casinos are and most banks are fine too, so that industry is not deplatformed.

> PayPal also refuses to do business with online gambling

Not in Australia.

Re: PayPal stops payouts to models on Pornhub

#530

Post by jMyles »

Daishiman wrote: post #149
aazaa wrote: post #135

Financial deplatforming is a monster, long-term trend to watch over the next decades. Deplatforming happens with sex workers. It also happens in the US marijuana industry. It happens with perfectly legal political content. The number of ways in which someone, somewhere will be offended by products or services for sale is growing, driven by a rapidly improving worldwide communication network and delivery system, and b…

Bitcoin isn't criticized for this being an invalid use case, because it's totally valid. It's criticized because it's useless for this use case, people involved in this scene in practice don't care about it to any serious degree beyond it being a talking point, and because anything for legally working around financial deplatforming still needs strong interfacing with the rest of the system as well as compliance with…

> anything for legally working around financial deplatforming still needs strong interfacing with the rest of the system as well as compliance with legal regimes

I have never understood the obsession with complying with stupid laws. The solution needed here isn't "legally" working around financial deplatforming; illegally doing so will work just fine - and also probably have the benefit, as widespread disobedience often has, of putting extreme pressure on these laws themselves.

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