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Kickstarter is forced to ban adult content by payment processors

kotaku.com

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Re: Kickstarter is forced to ban adult content by payment processors

#141

Post by mcphage »

infecto wrote: post #139
echelon wrote: post #112

Earlier quoted context omitted.

Why is this no longer on the front page of HN? This should be the top article. It's only an hour old and has hundreds up upvotes. The payments industry is strong arming free speech to promote religious fundamentalism. There is no such thing as vice content being higher risk. That's a diversion topic. Fewer and fewer people are hiding porn payments from their wives. We don't need the religious oligarchy dictating how…

[flagged]

> This is not free speech. Adult content is not a protected class.

Why does adult content not count as speech?

Re: Kickstarter is forced to ban adult content by payment processors

#143

Post by Aurornis »

codedokode wrote: post #102
Aurornis wrote: post #81

Earlier quoted context omitted.

They do! It's called a high risk merchant account. Their payment processor would do it: https://stripe.com/ie/resources/more/high-risk-merchant-acco... > Also I think it is weird that when someone steals a bank card, they use it to buy adult games instead of buying an iPhone or MacBook and shipping it to the third world country. iPhone or MacBook purchases are expensive enough to trigger fraud detection reliably. A $…

> Adult content purchases have another problem where purchasers often deny having made the purchase when their significant other finds it on the credit card statement. Shaggy's "It wasn't me" defense. Ridiculous. People who consume adult content could at least behave like adults.

Most of them do.

It's a math problem: If a credit card processor takes 3% of the purchase price and the average purchase is small like a $10 item or a $5 monthly commitment, it doesn't take many disputes to blow up their business model. Disputes are costly because you have to pay humans to deal with paperwork and phone calls.

Re: Kickstarter is forced to ban adult content by payment processors

#145

Post by bakugo »

nwah1 wrote: post #51
andtheboat wrote: post #36

Earlier quoted context omitted.

[flagged]

So, the problem is that he feels strongly about not incentivizing what he considers sexual exploitation. If he had the reverse position, then suddenly you would feel more positively about his identity group?

You really think a billionaire is going out of his way to take a moral stance against "sexual exploitation" just because?

He stands to gain something from it. They always do. I bet some of his friends just happen to own professional porn studios, who obviously benefit from tightening the noose on the competition, such as "independent" porn creators.

Re: Kickstarter is forced to ban adult content by payment processors

#146

Post by throw4847285 »

nathanmills wrote: post #144
tt24 wrote: post #45

Earlier quoted context omitted.

What’s the implication here? Jews are forcing payment processors to ban adult content?

Yes, that is exactly what is happening.

I thought the Jews were creating pornography to keep gentile men down. Now they're also preventing access to pornography?

Don't tell me they're responsible for Bolshevism and Capitalism!?!

Damn, they don't call it the socialism of fools for nothing.

Re: Kickstarter is forced to ban adult content by payment processors

#147

Post by infecto »

mcphage wrote: post #141
infecto wrote: post #139

Earlier quoted context omitted.

[flagged]

> This is not free speech. Adult content is not a protected class. Why does adult content not count as speech?

US civics 101. The first amendment mostly restricts government action. This is not a free speech issue unless you want to legislate that adult content is a protected class or want to make a special clause for payment processing.

This is a perfect use case for crypto imo.

If you are making an argument that new legislation needs to made, great but unfortunately people jump to the idea that this is immediately a free speech issue.

Re: Kickstarter is forced to ban adult content by payment processors

#148

Post by turlockmike »

chimeracoder wrote: post #136
turlockmike wrote: post #132

Earlier quoted context omitted.

Those bills are the reasons banks/credit card companies are pushing this since it holds them liable.

> Those bills are the reasons banks/credit card companies are pushing this since it holds them liable. You are either misreading those bills or confusing them with other similar bills which did target banking infrastructure (and which thankfully did not pass). FOSTA/SESTA did increase liability for platforms, but the applicability of those laws to this specific case is minimal to nonexistent.

Banks didn't do this before 2018 as aggressively. Reputational stuff is always been there and chargebacks have always been there. This law is why they've been so aggressive over the last few years. There's nothing else that has changed

Re: Kickstarter is forced to ban adult content by payment processors

#149

Post by micromacrofoot »

marcosdumay wrote: post #115
micromacrofoot wrote: post #12

Earlier quoted context omitted.

actually if they were it would be easier to argue it's a violation of free speech, but since they're not they can censor with much less restriction tbh there's a case to be made that the government should run a payment processor as critical infrastructure

If they can make laws and people are subject to those laws, then they are government. I only disagree with the "the" on the GP, they are para-governamental.

it's not a law though, it's a choice of who to do business with

Re: Kickstarter is forced to ban adult content by payment processors

#150

Post by Asraelite »

mrsilencedogood wrote: post #62
codedokode wrote: post #39

Why payment processors do it? Why people in America do not want to earn more money from commissions? Strong church lobby? Legal risks? I think its mostly religious groups who who are against adult content and sex, or there are other groups? Also this is why we should work to increase circulation of cryptocurrency. No stupid religious restrictions and stupid political sanctions. Also why PornHub and OnlyFans are immun…

For specifically sexually explicit stuff, it's because chargebacks are __significantly__ higher for these types of purchases. High enough that it messes with the credit and counterparty risk modeling that processors use. You can use your imagination to come up with many reasons these result in more chargebacks than normal purchases. Theoretically, they could just split out "explicit" vs "normal" risk categories, but…

> You can use your imagination to come up with many reasons these result in more chargebacks than normal purchases.

No I can't. Can you elaborate?

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