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Ask HN: How does onlyfans.com work around the “no porn” Stripe rule?

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Re: Ask HN: How does onlyfans.com work around the “no porn” Stripe rule?

#281

Post by Nasrudith »

colechristensen wrote: post #242
chrisco255 wrote: post #204

Earlier quoted context omitted.

An API for USD centrally controlled by the Treasury? Kiss your financial freedom goodbye. You gotta demand it be distributed blockchains or you'll be living in chains.

There are already two APIs operated by the Fed (not the treasury) Fedwire and ACH. The problem is the account. I do not want an account in the federal reserve or anywhere so closely coupled with the government. Nor do I want an account with a public ledger or any way distributed which doesn’t allow for transaction reversals (theft) which rules out blockchain. Actual banks are necessary.

The concern is pretty strange since they already have that information thanks to banking regulations. There is nothing more to lose by doing it directly.

Re: Ask HN: How does onlyfans.com work around the “no porn” Stripe rule?

#282

Post by sneak »

rumanator wrote: post #271
sneak wrote: post #240

Earlier quoted context omitted.

I don’t think there is as quite widespread consensus that all federal crimes are legitimately crime as you seem to think. Marijuana sales, for example, seem extremely popular. Just because there’s a law in place at some remote level of jurisdiction doesn’t mean it’s just, or has popular support.

> I don’t think there is as quite widespread consensus that all federal crimes are legitimately crime as you seem to think. Your comment makes no sense at all. For something to be a crime it has to be explicitly defined in law. Consensus has zero to do with it. Either there is a law, or there isn't. The whole point of rule of law is that you don't get to pick and choose which law applies to you in a given day of the…

There are many marijuana shops in the United States, and many millions of customers of those shops who disagree with you.

Also, Prohibition.

The law is not some inviolate thing in a society. Many millions will happily ignore unjust laws if they feel they shouldn’t be laws. More alcohol was consumed during Prohibition in the US than before it was banned.

Re: Ask HN: How does onlyfans.com work around the “no porn” Stripe rule?

#283

Post by Nasrudith »

dataisfun wrote: post #147
disillusioned wrote: post #87

Cascading payments might be the real answer, and shuffling higher risk charges to non-Stripe providers, but in my experience, Stripe can get pretty moralizing pretty quickly. We built an adult ecommerce site (purely toys for purchase, no porn) and because other adult toy sites had been successful on Stripe, Stripe assured us this wouldn't be a problem. Six months and several million dollars processed later, Stripe in…

I love how Wells Fargo, which was nabbed for a massive wide ranging scam / fraud, gets to be all sanctimonious about ethics or standards.

That is the function of puritanism. Consider it as a product:

Want to look or feel virtuous even though you are a horrible selfish person? Are you not openly having sex with more than one person? With prudity you are qualified! It works by reducing virtue into who you have sex with there by freeing you to commit crimes while considering yourself righteous and decent! Order today!

Re: Ask HN: How does onlyfans.com work around the “no porn” Stripe rule?

#284

Post by Nasrudith »

dotBen wrote: post #171
tejasmanohar wrote: post #102

Many of the rules aren't rules. We ran a travel company and used Stripe in the past, which is also one of the disallowed industries. We got approval from Stripe after proving that we have a negligible fraud & chargeback rate due to being focused on business users

This, one of the biggest blinkers technically-inclined founders have is that they forget or ignore that so much is relationship driven. Rules like Stripes (+ Wells Fargos) are not interpreted like code, everything is open to negotiation and degrees of freedom depending on the relationship established.

Those blinkers are called "not being utterly insane". The whole model of disruption is seeing a stupid practice saying. "No we aren't doing that stupid shit." watch practicioners of the existing stupid froth at the mouth and then either succeed or fail.

Seriously that is why honor based lending died to banks centuries ago. Relationship driven is a fucking stupid way to do finance.

Re: Ask HN: How does onlyfans.com work around the “no porn” Stripe rule?

#285

Post by anonu »

disillusioned wrote: post #87

Cascading payments might be the real answer, and shuffling higher risk charges to non-Stripe providers, but in my experience, Stripe can get pretty moralizing pretty quickly. We built an adult ecommerce site (purely toys for purchase, no porn) and because other adult toy sites had been successful on Stripe, Stripe assured us this wouldn't be a problem. Six months and several million dollars processed later, Stripe in…

Username checks out...

Re: Ask HN: How does onlyfans.com work around the “no porn” Stripe rule?

#286

Post by krageon »

Nasrudith wrote: post #280
errantspark wrote: post #277

Earlier quoted context omitted.

We don't need usury. I'm confident we could figure out how to make things work without it.

We know how it works without it - stagnation and the those currently at the top staying there due to lack of capital. Usury is a religious fundamentalist term divorced from the systemics and the reality of what works and what doesn't.

> those currently at the top staying there

And you're sure you're not describing the current day, but instead some hypothetical bad scenario if we had no financial sector? It seems to me that if we have this problem now and without a financial sector, that's not really related to them at all.

Re: Ask HN: How does onlyfans.com work around the “no porn” Stripe rule?

#287

Post by krageon »

rumanator wrote: post #271
sneak wrote: post #240

Earlier quoted context omitted.

I don’t think there is as quite widespread consensus that all federal crimes are legitimately crime as you seem to think. Marijuana sales, for example, seem extremely popular. Just because there’s a law in place at some remote level of jurisdiction doesn’t mean it’s just, or has popular support.

> I don’t think there is as quite widespread consensus that all federal crimes are legitimately crime as you seem to think. Your comment makes no sense at all. For something to be a crime it has to be explicitly defined in law. Consensus has zero to do with it. Either there is a law, or there isn't. The whole point of rule of law is that you don't get to pick and choose which law applies to you in a given day of the…

> The whole point of rule of law is that you don't get to pick and choose which law applies to you in a given day of the week.

If the law is not enforced, then it does not exist. The only real law is the one that you see day-to-day. So shooting black people is fine (in the US), and you can buy weed in shops (in a few places).

Re: Ask HN: How does onlyfans.com work around the “no porn” Stripe rule?

#288

Post by michannne »

Nasrudith wrote: post #284
dotBen wrote: post #171

Earlier quoted context omitted.

This, one of the biggest blinkers technically-inclined founders have is that they forget or ignore that so much is relationship driven. Rules like Stripes (+ Wells Fargos) are not interpreted like code, everything is open to negotiation and degrees of freedom depending on the relationship established.

Those blinkers are called "not being utterly insane". The whole model of disruption is seeing a stupid practice saying. "No we aren't doing that stupid shit." watch practicioners of the existing stupid froth at the mouth and then either succeed or fail. Seriously that is why honor based lending died to banks centuries ago. Relationship driven is a fucking stupid way to do finance.

That's an ideal. At the end of the day these are human-run industries, relationships are a big part of that.

Re: Ask HN: How does onlyfans.com work around the “no porn” Stripe rule?

#289

Post by JoeMalt »

8192kjshad09- wrote: post #237
tzs wrote: post #76

Earlier quoted context omitted.

For the CVV you can't store it even if you have passed PCI compliance. You are only allowed to collect it for a specific transaction, and are required to forget it when that transaction is complete.

That can't be right. I entered my credit card information once into uber eats and I can buy food whenever without entering a CCV and my credit card is immediately charged. If this were true 1000s of large companies would not be PCI compliant.

It’s possible to process transactions without a CVV, but it often costs slightly more due to the increased fraud risk. In the case of Uber Eats, they’ve presumably decided the increase in purchases from removing that friction makes up for the higher fee.

Re: Ask HN: How does onlyfans.com work around the “no porn” Stripe rule?

#290

Post by codegeek »

disillusioned wrote: post #87

Cascading payments might be the real answer, and shuffling higher risk charges to non-Stripe providers, but in my experience, Stripe can get pretty moralizing pretty quickly. We built an adult ecommerce site (purely toys for purchase, no porn) and because other adult toy sites had been successful on Stripe, Stripe assured us this wouldn't be a problem. Six months and several million dollars processed later, Stripe in…

Looks like we need a Stripe for high risk industry ?
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