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PayPal stops payouts to models on Pornhub

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Re: PayPal stops payouts to models on Pornhub

#591

Post by 4ad »

jotm wrote: post #566
tluyben2 wrote: post #528

Earlier quoted context omitted.

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 co…

Thankfully I've had better chargeback experiences with EU banks. I've only requested chargebacks on products I've not received, and provided my attempts to communicate with the seller. Always got my money back, but was blocked from buying from that merchant again (not that I'd try it after the bad experience).

Anectodal, etc, but I could never get a chargeback in Europe. In the US it was always very easy.

In the EU I couldn't get a chargeback even when the company said they mistakenly charged me twice, and that I should do a chargeback.

I know that theoretically the law is on my side, but practically I found it to be a huge hassle in the EU.

Re: PayPal stops payouts to models on Pornhub

#592

Post by tluyben2 »

4ad wrote: post #590
tluyben2 wrote: post #580

Earlier quoted context omitted.

Why is it so easy to charge back then? If it's secured then they know it was you... Unless you have a police report saying you were coerced, forced, something was stolen?

Because US banks prefer to keep customers happy, unlike EU banks.

How does that work? If you can be sure it was owner initiated, then you allow, outside of some corner cases (which work here too), people to fraud merchants. That makes people happy?

Edit; I know there are more reasons for chargeback and those you can get across the line here too, however, 'frivolous' chargebacks are not good for anyone but they are easy in the US.

Re: PayPal stops payouts to models on Pornhub

#593

Post by bloogsy »

alias_neo wrote: post #541
egeozcan wrote: post #524

Earlier quoted context omitted.

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 la…

I've been with my bank for 15+ years. One time I sent a payment of several hundred £s to a friend who's paid my share of a holiday when booking. In the description I put "fun times". I had a call from my bank asking me to explain the payment the next day. I've never been called before nor since that. It certainly feels like they're a bit touchy about certain references.

It could also be that they're worried about money laundering, or there's someone a little bit keen behind the scenes.

Re: PayPal stops payouts to models on Pornhub

#594

Post by Gibbon1 »

StreamBright wrote: post #544
nintendo1889 wrote: post #418

Earlier quoted context omitted.

Think about refusing to bake a cake for homosexuals. How is this any different?

A company cannot really have a religious believe.

A company is a government granted charter. Government has an interest in what the company does.

Re: PayPal stops payouts to models on Pornhub

#595

Post by mikekchar »

topmonk wrote: post #551
mikekchar wrote: post #537

Earlier quoted context omitted.

It's been quite a long time since I read up on how lightning works, so maybe I'm misunderstanding something. At least in the version of the protocol I looked at the node that connects to the Bitcoin network has to promise to pay. It's literally a payment processor because they need the capital to guarantee the payment. Is this not the case any more? If it is, then I'm still in the same boat where the Bitcoin network…

> If it is, then I'm still in the same boat where the Bitcoin network facing node can decide not to service me. Jesus, this is precisely what the lightning network is for! Please, do a little research before dismissing it wholesale. The node you are connected to cannot refuse to pay, because you have a signed, but unpublished transaction of what he owes you (if he owes you). If he suddenly stops contact and says fuck…

No offense, but could you please calm down? I have actually done some research -- to the point of knowing how to implement lightning. However, it is a long time ago and things may have changed. I'm asking you for more information because you seem to know more than me. I'm not trying to shout you down. I'm trying to understand what I'm missing. It's totally fair if you don't feel you have the time or patience to explain it to me, but for both your sake and mine, it's probably best if you just say that and I won't bother you any more.

Re: PayPal stops payouts to models on Pornhub

#596

Post by tluyben2 »

jotm wrote: post #566
tluyben2 wrote: post #528

Earlier quoted context omitted.

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 co…

Thankfully I've had better chargeback experiences with EU banks. I've only requested chargebacks on products I've not received, and provided my attempts to communicate with the seller. Always got my money back, but was blocked from buying from that merchant again (not that I'd try it after the bad experience).

I have had good chargeback experiences as well in the cases you name. I am talking about cases where it is clear where you are frauding the merchant which are still easy in the US. 3dsecure in most cases means you have to have coerced me AND have stolen my phone/token device. How would this warrant chargeback unless actually you did not receive your product and there is a clear trace of that. In this case indeed, you can chargeback. But not just randomly when you feel like it.

Re: PayPal stops payouts to models on Pornhub

#597

Post by ptaipale »

Ralfp wrote: post #583
ptaipale wrote: post #582

Earlier quoted context omitted.

Depends on what your "salary" is. In the EU, the banks are obligated to find out where you get your money. And they have an obligation to close your account if they don't get satisfactory answers. "Know your customer". My bank has recently started to ask customers to clarify transfers, and even shoot and send some video of themselves, smiling, and explaining things. I haven't got that myself yet but several colleague…

In EU there is an anti-money laundering directive, but it’s mostly up to member countries how they’ll implement it. As usual some countries implemented it reasonably while others didn’t.

The regulation is rather new, and at least Scandinavian banks seem to be hyper sensitive to be on the safe side from the money laundering risk point of view. In part this is due to the allegations and campaigns against Nordea and the actual laundering scandal at Swedbank. The privacy of customers (against having to provide personal information to the bank) is secondary.

Re: PayPal stops payouts to models on Pornhub

#598

Post by 4ad »

tluyben2 wrote: post #592
4ad wrote: post #590

Earlier quoted context omitted.

Because US banks prefer to keep customers happy, unlike EU banks.

How does that work? If you can be sure it was owner initiated, then you allow, outside of some corner cases (which work here too), people to fraud merchants. That makes people happy? Edit; I know there are more reasons for chargeback and those you can get across the line here too, however, 'frivolous' chargebacks are not good for anyone but they are easy in the US.

You are assuming that people only do chargeback in the case of some kind of fraud where other people stole your card details and spent your money. That is not the case. There are many other reasons to do a chargeback, far more reasons in fact.

Re: PayPal stops payouts to models on Pornhub

#599

Post by merb »

hsailor wrote: post #558
Bombthecat wrote: post #513

Earlier quoted context omitted.

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

A jedermann Konto or Basiskonto refers only to a personal account. If a client uses this account for commercial activities (eg receiving payments in the said industry), the bank has every right to close the account.

btw. that's not technically the truth since you can open a Basiskonto as a company.
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