Not really a meme meme, but i felt like i had to :s
I wonder how long this will last. The NSFW industry is insanely huge. If the current payment processors cut it off, that leaves a giant gap in the market just waiting to get filled (😏).
If they hold firm on this, it might just be a rare opportunity for a new (and hopefully better) payment processor to enter the market.
Or maybe just wider crypto adoption, idk.
I have no idea why all of a sudden payment processors care bout anything but money. What happened ?
Collective Shout happened, an australian organisation decided to wage global war on anything NSFW in games (so far), their key talking points are allegedly being feminist and anti-exploitation of women.
i wonder if they asked the women they’re saying they’re protecting if they want that “protection”, or if they’re imagining that women just don’t make NSFW art
Why would they ask? They know what’s best for everyone. All people. All around the world.
/s
Bad press?
Tupã bless Brazil’s pix.
At least I can still buy porn from local furry artists.
I’m not a cryptobro but these things make me want to hodl on some
deleted by creator
Or what happens when governments ban crypo exchanges?
I think the real answer is for us (the electorate) to start electing officials who aren’t puritanical twats. Way way harder to do tough.
Is this a serious question? Crypto is inherently decentralised and anonymous, from the base technology of the blockchain. The existence of crypto exchanges is directly opposed to its entire thesis as a digital currency, and only exist because people now treat it like a speculative asset and not like money.
Yes it’s decentralized and very hard to stop to parties from making a crypto transaction. But what about cases where you need to convert your crypto to say euros because the person/business you need to pay doesn’t accept crypto? Don’t you need an exchange for that?
How easy/ widely accepted is it to pay for things using crypto (gas, rent, mortgage etc.)?
The point I was trying to make is that if paying for stuff in crypto isn’t ubiquitous, it’s far less practical as a form of currency.
Easy. Agree on the price in a more stable currency, and pay the equivalent in crypto when the work is done.
whats a payment processor? something like PayPal?
A middle man between a vendor and your bank, essentially.
oh, actually, there is a third option - very popular and widespread in Poland - BLIK - let’s hope that a) they won’t bend to the same bullshit b) they take the chance to go global.
BLIK is really nifty, you go to your banking app, generate a code, give the code to the website/seller, confirm in the app, and payment made.
and all you’ll have to say (obviously steortyping here) is that if BLIK does the same as Visa & Mastercard, the Witcher & Cyberpunk will have to be banned due to adult content, instant win and security of NSFW media forever
so hear me out.
there’s an entire continent of payment processors out there that are not American.
just use one of those.
problem solved for a few years.
I’m not American and even I only know Visa and Mastercard. I know there used to be Maestro, but that was also owned by Mastercard. So what else is there that works globally?
https://thefinrate.com/top-payment-processing-companies-in-the-eu/
https://fintechmagazine.com/top10/top-10-payment-processors
some are based in US, but there should be at least 10 from those two lists.
I know some of those, but they don’t count.
Most of those are still just going to use Visa and Mastercard underneath to process payments by card… Since those are mostly all Visa or Mastercard. There are exceptions but those are regional.
There are a lot of “payment processors” but only 2 major card companies and that’s an issue.
I remember I was able to set up PayPal with direct bank account info. It’s not the most common scenario, and as long as they support Visa they’d be a target.
If one of those companies decided to dedicate their company to free speech, they might go bank transactions only, and cut out the cards. Admittedly, there’s probably dozens of other hurdles I’m not even aware of there.
Yeah, but then you give PayPal a whole bunch of control over your bank account. IIRC they can just withdraw whenever they want?
With card payments, there’s chargebacks for fraudulent transfers or if a vendor refuses a refund on fraudulent grounds. Those are just not a thing for bank transfers, at least not where I come from.
Personally, most of the time I make a payment, it’s a bank transfer (they’re instant most of the time anyway between SEPA accounts and under 10k per transfer or whatever). But there are many benefits of a card payment. Others include: Collecting points (on credit cards in some countries, or something like a Revolut card on any plan other than the free one), purchase insurance, etc.
People are always going to want to make card payments. We need better alternatives in the card company space, and standards to make sure every vendor can accept payments from every card type.
This comic goes from 2020 to 1984, was this comic originally about idiots that compared wearing a face mask to wearing a jew star?
There was a reddit sub where they take in unfunny comics (usually sexist) and then edit them to be funny. That’s how this actually became a meme.
I think that was r/bonehurtingjuice
Nah, I’m pretty sure it was r/comedynecromancy. They took unfunny comics/memes and made them funny. They were an offshoot of r/comedycemetary, they just reposted unfunny comics/memes to poke fun at.
Could be a case of parallel evolution.
Worse, it was when Twitter banned Trump. This is just like when the Savage John asked to be exiled from the World State but the Controller forces him to engage in society to torture him.
Imagine how many more “Thomas Matthew Crooks” are gonna come out of their basements if you ban their porn. Conservatives secretly love their porn. Might wanna rethink the ban.
Or not, I don’t mind watching a IRL live movie about a rebellion instigated by…
checks notes
…banning porn 🤦♂️🤣
They supposedly love their children too.
My God… All the “pro life” movements make so much more sense now! They actually don’t care about the women, they only want the children around. And worse off the children, the better for them!
It’s legal until someone challenges it in court and they say it isn’t. Sue.
Absolutely. I suspect the courts will find that if you are picky about what you allow, then you are responsible for it. It might force a push back to safe harbor type situations absolving them of caring about processing porn.
So, why doesn’t some other payment processor step in to fill in the demand gap that the others are willfully abdicating?
the economic moat of regulations and infrastructure that has to be overcome before you even can start acquiring customers. You would need a massive capital outlay just to start in last position to compete. Then you have to pay your sydadmins and sales and help desk and administration for how long before you have enough customers to break even? all on a gamble that the government won’t hamstring you on behalf of their corporate sponsors. and who is to say the rest of the financial world won’t cut you off; you can’t process payments if you can’t access users banks, it’s all cooperative between entities that benefit from it being a small club.
all of this risk to capture the relatively small nsfw market looks like a bad gamble to me, even though i strongly support the nsfw market myself! I spent decades in e-commerce and nsfw ecommerce and it’s trickier than it might look.
The most likely to succeed at the moment, IMHO, would be a standardization of the various local payment systems in Europe, and there is already some movement in that direction in a growing group of countries, but it probably needs a push from the EU itself, similarly to how GSM was pushed as a standard for mobile communications by European governments as a group and ended up dominating globally (which is also why, for a period and until smartphones became a thing, European mobile telephony companies were wildly successful).
I’m sorry for Americans who aren’t assholes (most here in Lemmy as far as I can tell) but the rest of the World does need to decouple from speed-running-to-Gilead America at all levels before it’s too late.
Yoid be starting in 1st position for all these transactions that just lost a market.
that’s not just the smallest market it’s the most troublesome market which is one of the reasons it’s a hot potato. If you limited yourself to just nsfw you would still need the infrastructure to process any types of payments and still be at the bottom of the current players. You would be hamstringing yourself and it would be even tougher.
NSFW and borderline legal stuff (like phone spyware apps) have a chargeback rate that is way higher than traditional retail. Users buy porn then charge it back to their credit card when the post nut clarity sets in. When i worked in the industry that was the constant battle from the retailer side; processors like CCBill were the most lenient but even they would cut you off if your chargeback rate was too high and it was always right on the border. Even on sex toys the chargeback rate is more than double just selling t shirts and stuffies.
I don’t know the financial side and have no idea why the chargebacks were such a massive deal to the processors. I can imagine being a small outfit it would be very difficult though if the margins were super thin.
have no idea why the chargebacks were such a massive deal to the processors.
They don’t have a lot of things to measure when attempting to address fraud, but that’s one of them.
I don’t get it. Will they also ban sex shops, adult cinemas and every other offline adult entertainment thing that exist?
Yeah, that’s literally what these people want.
Now that weed is being widely accepted legally, porn is the new prohibition.
two steps forward ten steps back, eh?
Man. I remember being a kid and dreaming about a world where puritans got laughed out of existence. Then we had the “woke” era which shocked me sideways. I never dreamed that progressive thinking people would get hung up on regressive shit like policing language, it reminded me of being in church as a kid and hearing about those dreaded, awful, naughty words. But hey, at least their goals were well meaning and driven by empathy and concern for how other people have it in this world.
Who did they piss off though? The fucking puritans. The very people who policed language all of my childhood. It turns out that nothing ever meant anything to them, they just wanted to control people. “Don’t tell me I can’t call a little person a midget! Bad words is fuck and shit! Not me making fun of people!!!” One group said, “if it’s fun it’s bad.” The other group said, “if anyone is hurt by it, it’s bad.”
Now the puritans have gone full fascist because they felt like they were losing some culture war, so they want it all, and they scream loud enough to be heard.
It’s like this tug of war that is just going to end with regular people who don’t raise hell when they get upset being shoved into the dirt by a loud crybaby minority of people.
Before I had any grasp of history, I just assumed that people were always heading toward being more liberal in how they deal with the world.
Nope, this is what we do. We have cycles of enlightenment and cycles of assholes responding to said enlightenment. Somebody always has to be morally superior, fighting some ugly enemy. If we ran out of reasons to fight tomorrow, we’d just argue over some other dumb shit.
I’m drunk, so please don’t take me too seriously. I’ll probably wake up tomorrow and argue with myself about deleting this comment haha.
Whatever happens, I really hope we have freedom at the end of the day. I don’t care what it costs. Maybe we aren’t meant to have it. Maybe our nature is just too ugly.
Undoing all the gains made during the sexual revolution. Conservatives taking us back to the puritanical dark ages.
It’s not even conservative any more. It’s regressive.
Always has been
These conservatives are old, so they are trying to “conserve” ideals that were out of touch in their own time
So, this means that pretty much any paid adult content can’t accept visa, right? Or are they just stomping in the small creators for not being profitable enough?
Looking at you, OnlyFans…
For now, they are targeting more niche “taboo” kinks like incest and bdsm. But as we’ve seen time and time again with bigoted, puritanical christofascists, they will not stop there. Next, they come for the queer content. My guess is furry stuff is next under the bad faith argument of “bestiality”, then more standard queer content, including tame non-erotic content. Finally, all erotic content.
Remember, everything sexual is sinful and evil unless its a straight white cis Christian married couple having joyless missionary sex for the purposes of procreation only.
They’re already attacking furry content featuring “animal-esque genitalia”, as there were people who thought that was “zoophilic”. However, I still remember how much anime fans needed to fight, so that kemonomimi (catgirls, etc.) wouldn’t been labeled as “zoophilic”, which might be the source for the furry/anime divide in the west.
Valve has changed their content guidelines due to the requirements of the credit card processors. Itch.io, too. I wouldn’t call Valve niche.
OnlyFans felt the pressure not too long ago. It’s just when they announced they were banning porn, they realized they didn’t have anything else. So they reversed course and somehow can still take payments.
Wait what? OF banning porn? Is it 2021 again?
Let’s make a community run payment processor then. We’ll valiantly process porn payments.
So crypto?
:(
Mastercard? No sorry, we only take WokeCoin 🤷♂️
MasterbationCard
Vaga
That spelling normally infuriates me, but in service of the pun, we’re going to have to allow it.
I am a world renowned bad speller, so I thank you for your patience with me.
Having worked in the payment industry, there is a lot of work to be done.
Even if you use the EMV standard, which almost all of the payment processor are based on, the challenge is to interface with the banks and making sure that every cards and terminals follow your standard.
And that’s if you can convince banks to even accept you payment standard in the first place.
This is why some of us love crypto currencies so much despite the hate it gets from so many who claim there is no intrinsic value, it’s a scam, etc.
Stay away from shit coins, no doubt, but the intrinsic value is that you can side step all of the bullshit and spend your money as you choose. No need to get permission first. It’s pricing to be a much better path forward, and payment processor inserting their own rules will only drive more acceptance of alternative payment methods.
I mean this is a false dichotomy. You can have a payment system that isn’t a shit show like crypto or a duopoly like Visa and Mastercard.
