Payment Processor Censorship (Visa / Mastercard / Stripe / PayPal etc) - Discuss Payment Processor/Gateways/Banks censoring people in this thread.

[Do Not Touch Me Pls]

It is hard to control a mob at this scale.

It's just on the internet. They'll ignore it or tell you "we hold nothing back" until people start rallying on the streets.

 

[Creative Username]

It is hard to control a mob at this scale. Master card and visa are legitimately the easiest targets the collective can identify and vent their frustration at. It's funny at least, and possibly could pay off, but doesn't fix that you need legislation to prevent further incidents

it is possible that these events are causing congresstards to take a few notes as to the sheer popularity of the idea of fucking over payment processors
"wow i got a few pieces of mail about pushing s.401 with an altered 5(c) and xitter is fucking exploding, i smell a huge number of easy brownie points coming along here"

 

[WelperHelper99]

it is possible that these events are causing congresstards to take a few notes as to the sheer popularity of the idea of fucking over payment processors
"wow i got a few pieces of mail about pushing s.401 with an altered 5(c) and xitter is fucking exploding, i smell a huge number of easy brownie points coming along here"

People are taking notes. Congress critters use Twitter despite popular belief. They are seeing this. Especially the younger ones. The longer it goes on, the greater the chances that something happens on the political end of the spectrum. The first politician that says "I'm against payment processor censorship" just gained an entire new voting bloc.

 

[Harm]

Incest and Rape porn are classified as obscenity in the USA, they are correct and you are just tilting at windmills because null has a grudge.

why is it their job to enforce the law then

Because obscenity is one of the few laws that have and are actively used against companies. Its like asking why Boeing hires a bunch of DEI retards that will kill people. They both know the outcome of standing up against it.

To be clear, although this distinction won't matter to 99% of people, financial institutions need to COMPLY with laws and regulations, they do not need to proactively ENFORCE them.

The best example to demonstrate this would be a bank that has lent money to a customer in the form of a credit card. The customer one day goes to pay off their credit card statement balance, and they disclose to the bank teller that they're using criminally acquired/misappropriated funds to pay that debt. In that situation, enforcing the law would mean participation in apprehending that man to see him brought to justice. In reality, because they don't expressly enforce laws and instead comply, their responsibility in that circumstance is to follow all routine procedures in applying those funds to that outstanding debt. They can voluntarily additionally notify law enforcement, but it is not required.

There's some, but not many, cases where compliance and enforcement overlap, and when they do, it's almost always in the capacity of mandatorily reporting information to law enforcement, such as suspected money laundering or elder financial abuse. The suggestion that Mastercard or Visa, in order to comply with regulations, need to identify and demonetize obscene materials, is fanfiction. If they were required to enforce the law, then they'd have to demonetize Cloudflare for its role in maintaining access to bountiful amounts of illegal materials.

Yet, they don't, and instead strongarm digital video game storefronts and sex worker platforms like Fansly due to self-constructed standards. There is no law in the United States that prevents autistic faggots from dressing in fursuits to film themselves simulating bestiality for money from strangers on the Internet, as disgusting as that might be, and yet Fansly was forced to wholly blacklist that material.

First they came for the retards pretending to fuck dogs, and I said nothing, for I was not a retarded dogfucker...

Besides, if they were required to enforce these standards by law, then they'd be screaming that from the rooftops instead of lying to our stupid fucking faces that we're all delusional and crazy and we shouldn't believe our lying eyes.

 

[Troonos]

The Internet needs to bust Luigi out of prison.

 

[Tin Foil Hatter]

Payment processors (or card networks) help move money when you pay with a credit or debit card. When you swipe or tap your card, the payment processor sends your payment information to the card network (like Visa or Mastercard), which checks with your bank to make sure you have enough money.

That's called authorization, where the issuer determines if they will let the transaction happen.

Authentication is where they determine if it is a "legitimate" transaction.

3-D Secure​

https://en.wikipedia.org/wiki/3-D_Secure#:~:text=Not%20to%20be%20confused%20with,name%20EMV%203%2DD%20Secure.

Now this is a wide and complicated system. It's hard to articulate. This is a system that merchants AND issuers can enroll in. Also, if you think it's JUST visa, well you will be wrong as 3d-secure is amex, discover, mastercard, JCB, union pay and probably some others. It's what makes online transactions with credit cards possible. Without it, someone could just figure out your bank's bins, run a million bins through a merchant, and steal stuff that way. In the industry that's called an enumeration attack. Disclaimer: I am over simplifying stuff here. you won't learn it in school and it's shit that most bankers and masons don't even know.

A lot of this is rules based, rules that the merchants and the issuers set up. The issurers and the merchants set up rules based on risk. Here is an example: Wallmart is shady as fuck. Lots of issurers have rules that flag wallmart.com transactions because wallmart is a retarded, shady, and corrupt company. Lots of fraud and charge backs happen at wallmart's site. So if you have tried to buy something from wallmart.com and had to call the card company, THAT'S why. If you use an OTP odds are good your cards are enrolled in 3-d secure.

Now, let me thicken the plot here: Nexus mods goes through brain tree, brain tree is on 3d-secure. They had a bit of a censorship scandal recently, and i suspect the payment processors are involved.

So that's the HOW the payment processors have control. They work together with this system to prevent fraud.

Now the problem an where i am stuck: How much of this is a corpo in their office, how much of this is politics, and how much of this is legit business?

I am unaware of pornhub, onlyfans or other porn sites getting into trouble for this. IF it was the middle eastern banks then i would have assumed those would be the first to go. The lolicon stuff was talked about in the previous threads and i think that might have been less censorship and more of "our lawyers think we could get into deep shit if we get involved with this". What i am leaning to, based on what i have learned(this is a complicated system entrenched in banking and e-commerce, i am in over my head here.) is that there is probable some element of the law we are not too aware of, that has them spooked, and valve spooked as well. Keep in mind money don't care who spends it, and they make money off of each online transaction. Willy nilly censorship costs them money. I am thinking that something about those particular games was bad, and when the valve and itch lawyers looked into it(i hope their lawyers looked into it) they saw something too and said "nuke it". There are STILL porn games on steam. It seems that certain games were removed, so i think there is an obscenity law somewhere that is triggering this.

I am NOT an expert on this subject, just a nerd researcher. I am open to input.

 

[WelperHelper99]

There's some, but not many, cases where compliance and enforcement overlap, and when they do, it's almost always in the capacity of mandatorily reporting information to law enforcement, such as suspected money laundering or elder financial abuse. The suggestion that Mastercard or Visa, in order to comply with regulations, need to identify and demonetize obscene materials, is fanfiction. If they were required to enforce the law, then they'd have to demonetize Cloudflare for its role in maintaining access to bountiful amounts of illegal materials.

Its all in the name of "Risk assessment". Its all made up. Legally they just have to do the bare minimum to not get sued into the ground; i.e. report terrorists, that shit. Instead they are targeting (degenerate) gamers in the name of "risk assessment"

Have you heard of Psycho-Pass? Personally i've never watched it but i've heard enough about it. Basically there is now a pre crime division, dealing with crimes BEFORE they happen, instead of after like normal. If you're deemed a risk, they arrest you. That is literally what Visa/Mastercard/Discover/Amex are fucking doing every day. You have done nothing. You have committed no crime. But because you MIGHT be a risk, they will cut off your ability to make transactions.

 

[Bonesjones]

It's happening all the time, but I can't prove it because it's done secretly and all the documents are hidden.

You think routine corporate business practices are actually a worldwide conspiracy against loliporn.

Is that what words are for? Sorry, I'm a fucking RETARD and don't understand the concept of words. Glad we could clear that one up.

I'm glad you admitted to your extra chromosomes finally. Wear it like a badge of honor, since you are still not even the most bottom of the barrel of intellect in this thread.

You sound like Patrick Tomlinson.

You sound like a guy who spends too much time obsessing over lolcows instead of doing basic research.

It's not about the games, it's about sending a fucking message. You're too dumb to see that though. These companies are evil and they deserve to be brought to their fucking knees for such evil. Why you simping for banks bro? Why goy? You work at one or something?

It literally is about games, trying to turn it into a glorious crusade on behalf of your dear leader is counterproductive. I'm not sure what part of not spreading incest and rape porn is evil, but you are talking about different arms of worldwide corporations. Sorry for thinking principles matter and also knowing what fights are worthwhile and which aren't is important. Maybe we should all tilt at windmills instead?

It is hard to control a mob at this scale. Master card and visa are legitimately the easiest targets the collective can identify and vent their frustration at. It's funny at least, and possibly could pay off, but doesn't fix that you need legislation to prevent further incidents

Guess what, if the laws change then they will comply, its not difficult.

The suggestion that Mastercard or Visa, in order to comply with regulations, need to identify and demonetize obscene materials, is fanfiction. If they were required to enforce the law, then they'd have to demonetize Cloudflare for its role in maintaining access to bountiful amounts of illegal materials.

Almost like companies self regulate before they get regulated.

Yet, they don't, and instead strongarm digital video game storefronts and sex worker platforms like Fansly due to self-constructed standards. There is no law in the United States that prevents autistic faggots from dressing in fursuits to film themselves simulating bestiality for money from strangers on the Internet, as disgusting as that might be, and yet Fansly was forced to wholly blacklist that material.

So they held them to the same regulations that they hold porn magazines? Almost like its not about censorship.

First they came for the retards pretending to fuck dogs, and I said nothing, for I was not a retarded dogfucker

And then they didn't go after anyone else for some particular reason.

I am NOT an expert on this subject, just a nerd researcher. I am open to input.

You've got a much better understanding than anyone else in this thread.

Its all in the name of "Risk assessment". Its all made up. Legally they just have to do the bare minimum to not get sued into the ground; i.e. report terrorists, that shit. Instead they are targeting (degenerate) gamers in the name of "risk assessment"

Yes they assessed a risk, that's the whole purpose. There is zero upside to not banning incest and rape loli porn, except upsetting a bunch of broke gooners who screech impotently on the internet.

You have done nothing. You have committed no crime. But because you MIGHT be a risk, they will cut off your ability to make transactions.

"Sure I've written a lot of bad checks and overdrafted every bank account I could find, but cutting me off is criminal"

 

[OG Cryptid]

hory shet there is more jewery in this thread than USPG

 

[Morrowind: GOTY Edition]

Valve has responded to MasterCard's claims.

"Updated: 8/1/2025 4:18 p.m. ET: In a statement to Kotaku, a spokesperson for Valve said that while Mastercard did not communicate with it directly, concerns did come through payment processor and banking intermediaries. They said payment processors rejected Valve’s current guidelines for moderating illegal content on Steam, citing Mastercard’s Rule 5.12.7.

“Mastercard did not communicate with Valve directly, despite our request to do so,” Valve’s statement sent over email to Kotaku reads. “Mastercard communicated with payment processors and their acquiring banks. Payment processors communicated this with Valve, and we replied by outlining Steam’s policy since 2018 of attempting to distribute games that are legal for distribution. Payment processors rejected this, and specifically cited Mastercard’s Rule 5.12.7 and risk to the Mastercard brand.”

Rule 5.12.7 states, “A Merchant must not submit to its Acquirer, and a Customer must not submit to the Interchange System, any Transaction that is illegal, or in the sole discretion of the Corporation, may damage the goodwill of the Corporation or reflect negatively on the Marks.”

It goes on, “The sale of a product or service, including an image, which is patently offensive and lacks serious artistic value (such as, by way of example and not limitation, images of nonconsensual sexual behavior, sexual exploitation of a minor, nonconsensual mutilation of a person or body part, and bestiality), or any other material that the Corporation deems unacceptable to sell in connection with a Mark.”

Violations of rule 5.12.7 can result in fines, audits, or companies being dropped by the payment processors."

https://kotaku.com/mastercard-denies-pressuring-steam-to-censor-nsfw-games-2000614393

Archives: https://archive.ph/c6tIA
https://ghostarchive.org/archive/JdS14
https://archive.is/YdyRU

Edit: Null added some additional context below.

MasterCard does this shit all the time.

MasterCard maintains MATCH, a blacklist of companies and people. They claim they do not add or remove names from MATCH, but rather they maintain it on behalf of their partners. This is a lie, spat straight into your fucking face. They can, will, and do - as a matter of common business practice - dictate to their partner banks and processors to add names to MATCH to give plausible deniability. That is to say, they use their partners to add and remove names so they can pretend they didn't do it.

Just because Valve didn't hear from MasterCard directly does not mean that their partner banks or processors were not told top-down from the Chief of Risk Officer directly to do it.

 

[WelperHelper99]

It literally is about games, trying to turn it into a glorious crusade on behalf of your dear leader is counterproductive. I'm not sure what part of not spreading incest and rape porn is evil, but you are talking about different arms of worldwide corporations. Sorry for thinking principles matter and also knowing what fights are worthwhile and which aren't is important. Maybe we should all tilt at windmills instead?

Its about the principle of the matter, of not letting banks and cards tell me where i can and cannot spend my hard earned cash.

Guess what, if the laws change then they will comply, its not difficult.

BUCK BROKEN.

Yes they assessed a risk, that's the whole purpose. There is zero upside to not banning incest and rape loli porn, except upsetting a bunch of broke gooners who screech impotently on the internet.

There was no crime though. If there was the police can enforce the fucking law you sperg. Its not their fucking job. Kill yourself.

Valve has responded to MasterCard's claims.

https://kotaku.com/mastercard-denies-pressuring-steam-to-censor-nsfw-games-2000614393

Archive to come.

So it was fucking Mastercard. They fucking LIED.

 

[Creative Username]

Valve has responded to MasterCard's claims.

"risk to the Mastercard brand," huh
we'll show you risk to the brand bitch

 

[Harm]

Almost like companies self regulate before they get regulated.

Yeah, it's almost like a completely different thing than what you were originally saying.

I can help you install these new goalposts; the turf here is a bit tough to break.

 

[Gog & Magog]

Oh my God. A demented Jew is arguing against payment processors censoring shit while a racist White man is arguing it's a good thing. Total Retard War... has changed.

 

[WelperHelper99]

Oh my God. A demented Jew is arguing against payment processors censoring shit while a racist White man is arguing it's a good thing. Total Retard War... has changed.

Mountain Jew. At least get the meme right.

And yeah. Believe it or not I have principles. I disagree with porn games. I also recognize that the massive wave of censorship right now is too high a fucking price to get rid of them. If the cost of freedom is degeneracy, choice, i guess i have to side against the censors, even if they're censoring things I DON'T LIKE AND FIND ABHORRENT. Because once they're done with the porn, they'll come for you, me, everyone. That is how a purity spiral works. I refuse to live in that world. I believe people are free to fuck up and do things i don't like. A bank should not dictate what someone does and be a moral arbiter. That is on that person and God. If a crime is committed, arrest them, give them a trial with a jury of their peers. A bank should not be an executioner. Fuck that shit nigger.

 

[Maeis]

While the world is in turmoil right now, I wanted to share this song 4chan's /v/ board made the last big trouble happened, during #DropKiwiFarms

 

[Lieutenant Rasczak]

Valve has responded to MasterCard's claims.

Mastercard is either full of shit or it's a case of one department doing one thing while another is baffled and wondering what the fuck is going on. We won't know because the reasons for kicking someone or some thing off these payment networks are a trade secret.

 

[WelperHelper99]

Valve has responded to MasterCard's claims.

https://kotaku.com/mastercard-denies-pressuring-steam-to-censor-nsfw-games-2000614393

Archive: https://archive.ph/c6tIA

https://ghostarchive.org/archive/JdS14

https://archive.is/YdyRU

More archives in case one gets hit

 

[Null]

MasterCard does this shit all the time.

MasterCard maintains MATCH, a blacklist of companies and people. They claim they do not add or remove names from MATCH, but rather they maintain it on behalf of their partners. This is a lie, spat straight into your fucking face. They can, will, and do - as a matter of common business practice - dictate to their partner banks and processors to add names to MATCH to give plausible deniability. That is to say, they use their partners to add and remove names so they can pretend they didn't do it.

Just because Valve didn't hear from MasterCard directly does not mean that their partner banks or processors were not told top-down from the Chief of Risk Officer directly to do it.

 

[Rotollo 2]

So it was fucking Mastercard. They fucking LIED.

Marster card customer service at the moment after this single article came out

MasterCard does this shit all the time.

MasterCard maintains MATCH, a blacklist of companies and people. They claim they do not add or remove names from MATCH, but rather they maintain it on behalf of their partners. This is a lie, spat straight into your fucking face. They can, will, and do - as a matter of common business practice - dictate to their partner banks and processors to add names to MATCH to give plausible deniability. That is to say, they use their partners to add and remove names so they can pretend they didn't do it.

Just because Valve didn't hear from MasterCard directly does not mean that their partner banks or processors were not told top-down from the Chief of Risk Officer directly to do it.

So what your saying is if this works that, hypothetically, viewers could also start to ask mastercard about why they cant donate to their favorite cheese enthusiast internet drama news show?