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Mastercard deflects blame for NSFW games being taken down

pcgamer.com

101–110 of 621 posts

Re: Mastercard deflects blame for NSFW games being taken down

#101
post #27

Lots of outrage at the card companies, but strangely, no outrage at the laws that actually caused this. One is the Australian law to remove that type of content and the other is the US law that says the payment processor can't participate in illegal transactions.

But it wasn't illegal to put up a NSFW game if sold to a adult.

Were Steam selling it to kids?

Re: Mastercard deflects blame for NSFW games being taken down

#103
post #90

Earlier quoted context omitted.

how do you "take cash" over the Internet?

Mullvad VPN takes cash, you post it to them.

This realistically doesn’t work that well above anything like a micro scale. It’s also a crime to mail cash across many borders, so it only really works domestically.

Re: Mastercard deflects blame for NSFW games being taken down

#104
post #69
post #17

Full title that doesn't fit in the HN headline: "Mastercard deflects blame for NSFW games being taken down, but Valve says payment processors 'specifically cited' a Mastercard rule about damaging the brand" (For the people who don't click the link to read the article.)

There are definitely a lot of links in this chain. Maybe leafo can chime-in and say exactly what happened with Itch.io. But I suspect that someone downstream of Visa/Mastercard anticipated that the payment card companies would not permit the transactions and relayed that back up to the merchants, and they shut it off preemptively. But it's hard to say. Mastercard is now saying that they never said or did anything. So…

FWIW Mastercard are simply lying, as anyone who has ever had to touch adult payment processing will tell you.

There's even a (non-public) list of keyword banned terms.

Re: Mastercard deflects blame for NSFW games being taken down

#105
post #64

Dumb question: what if Steam only takes cash or crypto payment for these games, and leave them on the market? Cash is loaded from debit card and can be used for buying any games, while crypto apparently always works for everything. Would they still be on the hook?

how do you "take cash" over the Internet?

Steam sells physical gift cards. You can buy them at convenience stores, Walmart, etc. you can pay cash for them.

Re: Mastercard deflects blame for NSFW games being taken down

#106
post #44
post #37

Earlier quoted context omitted.

Then they would just get removed in Australia, not worldwide.

My guess is that Steam wasn't able to adequately block the games in Austrailia. If people use a VPN to access the content, could Steam still be liable?

Steam already blocks games sufficiently for Australian law in some cases about ratings and drug use, as it does in many territories.

Re: Mastercard deflects blame for NSFW games being taken down

#107
post #90

Earlier quoted context omitted.

how do you "take cash" over the Internet?

Mullvad VPN takes cash, you post it to them.

I doubt Mullvad has anywhere near the volume of transaction Valve does. And mullvad has plenty of other payment methods, so only a tiny, tiny fraction of their userbase likely pays in mail-in cash.

I don't think Valve could feasibly implement this at their scale - especially if this method was the _only_ way to acquire the games in question.

Re: Mastercard deflects blame for NSFW games being taken down

#108
post #92

Earlier quoted context omitted.

> it's not like you can boycott Mastercard or VISA In many countries, if you pay locally, you absolutely can. China's UnionPay, India's UPI, PayNow in Singapore, PromptPay in Thailand, PayPal, Cash App, and more.

That's great to hear, but this is a US-centric complaint discussing US-centric companies.

In principle, a service like this could be offered in the US as well, without any credit card companies acting as middle men: https://en.wikipedia.org/wiki/FedNow

Re: Mastercard deflects blame for NSFW games being taken down

#109
post #54

Earlier quoted context omitted.

Do you have info on the US law? I am curious if it follows the same trend Russia set years ago with requiring them to put a large deposit and if they break the rules they get to keep all the money.

It doesn't go that far. These are part of the Know Your Customer type of law. These have increasingly been pushed as part of anti money laundering onto banks, investments, and processors. If a company is selling illegal things or things that even could potentially be illegal, then they get blacklisted. Similar thing to pot companies.

Marijuana sales, at least in the US, are a whole different can of worms, because marijuana exists as kind of a Schroedinger's illicit substance: its legal at a state level in most US states, while simultaneously illegal at the federal level. Anyone with a multi-state footprint that exists in that transaction chain could be held liable.

Re: Mastercard deflects blame for NSFW games being taken down

#110
post #74
post #14

Earlier quoted context omitted.

>Incorrect, it applies to companies too as companies are citizens according to citizens united ruling over a decade ago. This doesn't even make sense. If a corporation is a person, then 1A Freedom of Speech means that the government cannot restrict the corporations political speech. The corporation is absolutely allowed to restrict their users free speech, including political speech, because A) the bill of rights onl…

What kind of "speech" are we talking about here? If a payment processor is already required to be secure, it could also be required not to deny any legal transactions. This isn't even political, you wouldn't expect a mobile carrier to censor your phone calls (at least in the EU we don't have that.. yet).

The concept that you're talking about in the US is a "common carrier" e.g. a taxi can't deny some people or a hotel can't refuse some people.

In the US, payment processors are not common carriers and operate on a contractual regime that allows them to refuse or terminate service for non-compliance, risk management, or policy reasons.

Mobile companies here are common carriers and are much more strictly regulated.

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