Why DO credit card companies make a stink about adult content anyway?

Submitted ⁨⁨19⁩ ⁨hours⁩ ago⁩ by ⁨VinesNFluff@pawb.social⁩ to ⁨[deleted]⁩

This meme made the rounds here on Lemmy some days back.

And NSFW artists in the Furry fandom will often talk about how payment processors give them guff.

It holds true in lived memory, but like…

… Why?

I actually understand it for Google Ads and the like – Google, Metabook, Bytedance et al. are really just advertisement companies with a side-gig in providing online services, and if you’re an advertisement company, then “how other corporations perceive you” is what you live and die by, which forces the whole “corporate sanitisation” thing down on the users. – So like. It does make sense, even if it’s hateable.

But for the likes of Visa, and Master Card, and whatnot – It doesn’t? As I understand it their whole thing is they transfer money between parties and take a cut of the transactions. (and also give credit and charge interests on that and such) – Why the fuck would they care what those transactions are about, so long as people are… Transacting, and thus giving them their cut?

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Winthrowe@lemmy.ca ⁨19⁩ ⁨hours⁩ ago
I think it’s more about the fraud rate than pure prudishness. On one hand you have real hackers testing stolen cards. On the other, found out spouses claiming they’ve no idea about charges and charging back.

All they care about is their cut, but they don’t get it here as often as with traditional sectors.

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- FlexibleToast@lemmy.world ⁨19⁩ ⁨hours⁩ ago
  I don’t think that’s entirely it. OnlyFans flirted with the idea of not allowing NSFW content because of pressure from the credit card companies. PornHub purged amateur content from the same pressure.
  
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  - LastYearsIrritant@sopuli.xyz ⁨18⁩ ⁨hours⁩ ago
    PH purge was more about being unable to validate that the content was consensual/legal.
    
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- Buffalox@lemmy.world ⁨18⁩ ⁨hours⁩ ago
  
  I think it’s more about the fraud rate
  
  AFAIK there is less fraud on sex pages than on facebook.
  
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Tac0caT@lemmy.world ⁨15⁩ ⁨hours⁩ ago
Ex-employee of a large provider of adult content. Everyone’s hailing around similar things that are more or less accurate (fosta/cesta, csam, puritanical values, PNC Chargebacks) but follow the money back to who owns the CC providers and where they’re located and you’ll see the cultural acceptance of sex work is different and while they want porn money they ultimately don’t like sex work and that’s why they’re a pain in the ass so they have a number of options to to talk themselves out of offering transactions for whenever they feel ick’d about porn

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- VinesNFluff@pawb.social ⁨14⁩ ⁨hours⁩ ago
  “All of the above and more”
  
  Makes sense I suppose.
  
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spankmonkey@lemmy.world ⁨18⁩ ⁨hours⁩ ago
In addition to the higher frequency of both fraud and chargebacks associated (allegedly) with sexual content, there are also a legal concerns for payment processors. They don’t want to be associated with enabling child porn both from a legal responsibility angle and also from the perception of processing payments for illegal content.

Is that concern overblown? Probably, but the card companies do get pressure from both the public and the government when they process the ‘wrong’ teansactions whether they are illegal or not and they don’t have a free pass like the internet common carriers do.

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Buffalox@lemmy.world ⁨18⁩ ⁨hours⁩ ago
It’s a Victorianism syndrome,

oxfordreference.com/…/acref-9780195176322-e-1665

Poor Law Amendment Act of 1834—were introduced for the moral reform of paupers

Where morality has nothing to do with actual morality like in whether it is doing harm. But everything to do with government making decisions over your private life and your body.

This mindset is disgusting, immoral and childish. And it so permeate everything about most English speaking countries culture for some reason.
It’s a kind of a thought police, that has no base in actual morality. But in bodily inhibitions and insecurities, supported by superstitions about an old man in the sky who disapprove.

So anything having to do with naked skin and sex is a nono. Even if it’s not actually sex but only loosely related to it, like being gay or trans.

If they were really serious about this sex thing, stating to be CIS should be exactly as problematic, and pushing the thought of marriage on children would be extremely immoral, because that too indicates sex. Which has almost become the sole purpose of marriage under the moral standards of Christianity, as it’s the only allowed form of sex.

So in short, the answer to your question could be boiled down to “brainworm”.
There is no logic or moral explanation, that doesn’t boil down to inhibitions, control and religion.

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vvilld@lemmy.world ⁨13⁩ ⁨hours⁩ ago
I know when they were threatening to pull out of OnlyFans and Pornhub, the big concern the payment processors cited was child abuse. I don’t know to what degree that’s the entire story, so take it with a grain of salt.

Their complaint was that the primary method those sites had to prevent child porn from being uploaded was reports from other users. By definition, this means that the site has to allow the child porn to be uploaded, and only then takes it down after it’s been reported. So someone must have seen it before it gets removed. They said they didn’t want to be associated with sites that share child porn. That’s why PornHub removed a TON of amateur content and changed their rules so that all users who upload content have to be verified on the site. That’s their new control to prevent child porn.

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airbreather@lemmy.world ⁨19⁩ ⁨hours⁩ ago
FOSTA-SESTA is at the heart of it, as I understand. I don’t want to elaborate much more because I don’t know nearly enough about the situation, but adding this search term helped make it make a little bit of sense to me.

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- Grimy@lemmy.world ⁨18⁩ ⁨hours⁩ ago
  
  FOSTA-SESTA, short for the “Allow States and Victims to Fight Online Sex Trafficking Act” and the “Stop Enabling Sex Traffickers Act,” are U.S. laws passed in 2018 aimed at combating online sex trafficking.
  
  If anyone else was curious.
  
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  - Zorsith@lemmy.blahaj.zone ⁨17⁩ ⁨hours⁩ ago
    Credit card companies have been against adult content further back than 2018 AFAIK
    
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Jimmycrackcrack@lemmy.ml ⁨14⁩ ⁨hours⁩ ago
There’s a podcast called hot money that goes in to this. Got shelf check it out, I reckon you’ll like it

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TheBat@lemmy.world ⁨19⁩ ⁨hours⁩ ago
Chargebacks after post-nut clarity?

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Pyr_Pressure@lemmy.ca ⁨18⁩ ⁨hours⁩ ago
I think it has to do with some law where banks are required to cut all financial ties to any company that aids in the production, purchase or selling of CSAM and Sexual Trafficking content etc. so many businesses are wary of any website that provides adult content unless there is the strictest of moderation and verification procedures.

Which is one of the reasons many websites (tumbler, Reddit) are limiting NSFW content because they want to be able to have users buy things on their website but don’t want to moderate the content to the standards of the banks.

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SolidShake@lemmy.world ⁨18⁩ ⁨hours⁩ ago
Idk! But when my credit card number got jacked someone spent $120 on fansly and nothing happened, it wasn’t until they tried to spend another $100 on Applebee’s gift cards half way across the country that my card auto locked.

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- swunchy@lemm.ee ⁨15⁩ ⁨hours⁩ ago
  Your bank thinks you’re a simp
  
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  - SolidShake@lemmy.world ⁨15⁩ ⁨hours⁩ ago
    Lol right.
    
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someguy3@lemmy.world ⁨18⁩ ⁨hours⁩ ago
Probably that they don’t want to be associated with CP or teenage suicide. Aka “won’t somebody please think of the children”.

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