Comment on Phonecall campaign to tell MasterCard & Visa to stop censoring adult content

• duchess@feddit.org ⁨3⁩ ⁨weeks⁩ ago

  There aren’t any other options than credit cards in the US to pay without cash?

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  • cfi@lemmy.world ⁨3⁩ ⁨weeks⁩ ago

    No, even our debit cards use credit card companies for the actual processing

    Ditto for PayPal, ApplePay, and Google Pay.

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  • Catoblepas@piefed.blahaj.zone ⁨3⁩ ⁨weeks⁩ ago

    There are only 4 credit card networks in the US, regardless of the credit card brand: Visa, Mastercard, American Express, and Discover. Anecdotally Visa and Mastercard are by far the most commonly used and accepted, but I couldn’t tell you why, beyond it often being the default debit card issued by banks.

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    • captain_aggravated@sh.itjust.works ⁨3⁩ ⁨weeks⁩ ago

      I can offer a clue.

      Discover was Sears’ in-house charge/credit card. It got spun off by itself but a lot of companies never really started accepting Discover.

      American Express, their whole thing is exclusivity. It’s the card you use to pay at fancy places. They charge merchants more in service fees, so a lot of places just don’t do business with them.

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      • ampersandrew@lemmy.world ⁨3⁩ ⁨weeks⁩ ago

        A really great gag in Futurama is that American Express survived 1000 years, but still no one accepts them for payment.

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    • Blackmist@feddit.uk ⁨3⁩ ⁨weeks⁩ ago

      Lower fees.

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    • AnUnusualRelic@lemmy.world ⁨3⁩ ⁨weeks⁩ ago

      What happened to diners card?

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  • thessnake03@lemmy.world ⁨3⁩ ⁨weeks⁩ ago

    Gold bullion?

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  • pupbiru@aussie.zone ⁨3⁩ ⁨weeks⁩ ago

    the card NETWORK is the part at issue; not the type of payment

    the same is roughly true for europe and the rest of the world too: payment processors facilitate transactions over various card networks which communicate between banks

    a single payment probably involves at least 6 different business facilitating the transaction, and only a couple of them are your bank, and the business you’re paying

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  • sugar_in_your_tea@sh.itjust.works ⁨3⁩ ⁨weeks⁩ ago

    Here are the options:

    • credit - visa, MasterCard, discover, American Express (all ubiquitous)
    • debit - mostly mastercard, some are visa
    • Prepaid cards - mostly MasterCard and Visa, amex has one too
    • mobile Payments (Samsung, Apple, Google) - you pay using credit or debit; I’ll include PayPal here too
    • cash - doesn’t work online obviously, and some places don’t accept it or at least discourage it (e.g. many self checkouts, food trucks, smaller restaurants)
    • checks - like cash, but many stores don’t accept them at all

    Some online places accept bank transfers, but that’s mostly for paying regular bills, not anonymous checkout.

    There are some fringe ones like money orders (basically cash), cryptocurrencies (very rarely accepted), and Venmo (mostly just food trucks, fairs, and small restaurants).

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