Earlier quoted context omitted.
Targeting them with what? What could possibly hold enough leverage that Visa would jeopardize their sweet gig as an ideology-neutral, essential piece of American infrastructure siphoning 1-2% off of every dollar of consumer spending?
The leverage is that the activists will potentially be able to draw the ire of the government. Visa and MC get away with absolute murder in terms of the size of the fees that they charge in the US. Most developed countries don't allow that. The US government could easily regulate them (as they already do with debit card fees) or use anti-trust law against the obvious duopoly charging exorbitant prices. Because of thi…
Valve confirms credit card companies pressured it to delist certain adult games
531–540 of 967 posts
Re: Valve confirms credit card companies pressured it to delist certain adult games
#532Earlier quoted context omitted.
Tbh that's quite alarming what you've just said, and I'm not saying about government. I'm saying about an additional huge sales tax. I understand that wiring money or sending them in an envelope is the thing of past, but e.g. in my country and in whole EU the digital payment is promoted as the only righteous, because "cash is only used by gangsters and human traffickers" etc. And this is really playing against us and…
Credit cards are much less heavily relied on in Europe than in the USA. Europe basically runs on debit cards that every kid can have and where the fees are minuscule. There are countless banks providing the service and everything is highly regulated. On top of that, Europe still curbed Visa and Mastercard several times for antitrust behaviour. And the idea that physical money primarily aids social fraud, money launde…
I'd rather have that than a complete loss of privacy.
Re: Valve confirms credit card companies pressured it to delist certain adult games
#533Earlier quoted context omitted.
My guess is it's simply a chargeback risk. It's the reason casinos and adult sites have trouble getting credit card processing and are charged much higher basic rates, even under the best of circumstances when the casino or adult site is operating entirely within the law in the jurisdictions it allows. Punters run a lot of chargebacks on casinos, and people whose spouses catch a XXX video or game on their card statem…
This is the correct answer. There are many merchant categories, adult being just one of them, that are susceptible to high chargeback rates which result in payment processors banning them.
Re: Valve confirms credit card companies pressured it to delist certain adult games
#534Earlier quoted context omitted.
The US obsession with sex (both positive and negative) is something else. Here in Europe, sex is a normal part of human life. Not a center of everything, nor a sin to be avoided. Sex art is normal. Sex games are fine. There are no moral crusaders here, because sex is moral. We tell sex jokes at work and nobody faints. We are constantly perplexed why American culture is so different from other Western cultures in that…
The US is largely theocratic and has in part because of this managed to resist socialism and other forms of scientific governance to a much larger degree. Using religious leaders as power brokers is a clever strategy, they'll never budge due to the better argument or scientific reason, hence making it almost impossible for non-violent progressive movements to having an effect at the macro level.
Re: Valve confirms credit card companies pressured it to delist certain adult games
#535They went after no-name games instead of Summer Memories or Treasure Hunter Claire? Weak. They should have at least aimed at Living With Sister: Monochrome Fantasy.
The games you mention are all sold without adult content on Steam, and the customer has to visit the publisher's website to download a patch restoring said content
Re: Valve confirms credit card companies pressured it to delist certain adult games
#536Earlier quoted context omitted.
Credit cards are much less heavily relied on in Europe than in the USA. Europe basically runs on debit cards that every kid can have and where the fees are minuscule. There are countless banks providing the service and everything is highly regulated. On top of that, Europe still curbed Visa and Mastercard several times for antitrust behaviour. And the idea that physical money primarily aids social fraud, money launde…
> And the idea that physical money primarily aids social fraud, money washing and other illegal activities is pretty well established. They even killed the 500€ bank note, because it was almost exclusively used by criminals and most normal people never even touched one, much less used one for legit transactions. At least in Germany in particular older people prefer to pay cash if possible - this gives the banks also…
Sure, but that's for small, everyday amounts. For values upwards of 500€, I think the familiarity of paying cash would be swamped by the nervousness of carrying way too much money with you, what if it gets stolen?
> this gives the banks also less leverage with respect to abhorent fees
The only time my bank has ever charged me a per-transaction fee was, ironically, when I withdrew cash abroad using my credit card.
Re: Valve confirms credit card companies pressured it to delist certain adult games
#537Earlier quoted context omitted.
And you could indeed use Bitcoin on Steam for a while! But then the blocks got full, fees and wait times skyrocketed, and in response to the customer backlash Steam removed Bitcoin. Meanwhile Bitcoiners were (and still are) only focused on number go up instead of other, more productive, use cases. Such a waste.
They built the lightning network, it's meant for this use case.
Re: Valve confirms credit card companies pressured it to delist certain adult games
#538Earlier quoted context omitted.
Targeting them with what? What could possibly hold enough leverage that Visa would jeopardize their sweet gig as an ideology-neutral, essential piece of American infrastructure siphoning 1-2% off of every dollar of consumer spending?
The leverage is that the activists will potentially be able to draw the ire of the government. Visa and MC get away with absolute murder in terms of the size of the fees that they charge in the US. Most developed countries don't allow that. The US government could easily regulate them (as they already do with debit card fees) or use anti-trust law against the obvious duopoly charging exorbitant prices. Because of thi…
Re: Valve confirms credit card companies pressured it to delist certain adult games
#539Earlier quoted context omitted.
> And the idea that physical money primarily aids social fraud, money washing and other illegal activities is pretty well established. They even killed the 500€ bank note, because it was almost exclusively used by criminals and most normal people never even touched one, much less used one for legit transactions. At least in Germany in particular older people prefer to pay cash if possible - this gives the banks also…
> Since many people in Germany neither trust the banks nor the government anymore, acting this way is very rational. Speak for yourself, this is either heavily overstated or a fringe opinion, luckily. Most people definitely do trust both government and banks to a sensible degree, even if they don’t like some decisions. Some people like you apparently also don’t appreciate the immense freedom of SEPA transactions. Sur…