• REDACTED@infosec.pub
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    11 hours ago

    This made me think. For an European, are there any good alternatives to Visa/Mastercard/Paypal? Seems like we’re dependent on US payment systems

  • GreenKnight23@lemmy.world
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    18 hours ago

    what the fuck is with all these payment processors trying to curtail adult entertainment?

    it’s fucking weird. they should stop being weird about what people do with their own money.

    • sunbytes@lemmy.world
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      10 hours ago

      A lot of them want to use your financial data (what you buy, for how much and when) to sell to advertisers etc.

      Maybe adding porn stuff in there taints the data?

    • w3dd1e@lemmy.zip
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      18 hours ago

      Yeah I don’t get it here. I kinda get them not wanting to deal with porn when you can’t verify consent and age of the performers, but the games don’t make sense because there aren’t live performers to worry about.

      Mostly that stuff annoys me on Steam because it’s always at the top when I’m sorting by trending/popular, but I don’t think it needs to be removed either.

      • lukaro@lemmy.zip
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        8 hours ago

        I doesn’t need to be removed completly, just removed for those that don’t opt in to seeing it. The damn porn titles make it impossible to use steam since I have young kids that don’t need to see that shit. Just let me browse your store without being overrun by half naked anime girls.

        • 9bananas@feddit.org
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          7 hours ago

          you can filter them out by blocking the adult content tag, no?

          edit: just checked: yes, you can filter it out under your account preferences. there’s a toggle there wether or not you want to see that in the store

          • lukaro@lemmy.zip
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            7 hours ago

            Users shouldn’t have to hunt down the option to turn that shit off. It should be off by default.

  • PlzGivHugs@sh.itjust.works
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    1 day ago

    Not suprising, and given the nature of most of the games removed, debatably reasonably, but it still highlights the need to reduced reliance on the few big American payment processors like PayPal when they can effectively regulate what can and cannot be sold online.

    • dual_sport_dork 🐧🗡️@lemmy.world
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      1 day ago

      Concur. I’m still banned from PayPal and I have been since the early 2000’s because I used it to buy a “high capacity magazine,” which PayPal declared was “illegal activity” with no appeal.

      …An airsoft magazine. Not a single state in the union where that’s illegal (or at least certainly not at the time).

      Payment processors attempting to police the nature of online transactions should expose them to liability, not the other way around.

      • sugar_in_your_tea@sh.itjust.works
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        19 hours ago

        I got banned as well, and I’m still not sure why. I’ve never sold anything, and I’ve only bought a handful of things and sent money for rent a few times.

        I think someone hacked my account, because I hadn’t used it for ~10 years before noticing that I was banned when I tried logging in again.

        • Grostleton@lemmy.dbzer0.com
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          5 hours ago

          I got perma’d I think because of my account having a small (<20) negative balance on it (due to some fuckery they tried to pull on their/eBay’s end awhile back) and they had no way to get payment from me.

          Only found out I was banned over a decade later when I was trying to login to transfer some money to a friend. Can’t even make a new account it just gets locked and recovery options don’t do shit, oh well 🙃

    • sp3ctr4l@lemmy.dbzer0.com
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      1 day ago

      They… kind of sort of already have.

      You can just throw money into your Steam account, via the mechanism they came up with for Steam Gift cards.

      So, buy a physical gift card, or just give Steam your bank/card info, take money out of bank, give to your Steam Gift balance.

      So uh, presumably, that Steam Gift Balance doesn’t exist in a bank anymore, beyond being a withdrawl from your account, its now just … a $USD value associated with your Steam account, that you csn now buy anything with, and your original bank/card company has no visibility into that second transaction.

      So… they could theoretically use what I just described above as a ‘workaround’, you just make the offending games only purchaseable via goon gift balance.

      • ugo@feddit.it
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        22 hours ago

        Won’t work. I imagine PayPal’s stance here is along the lines of “we will not allow any payment to go through to Valve as long as there is content we don’t want on Steam”.

        If PayPal only stopped payments towards the content they don’t like, Valve wouldn’t have done anything. The fact Valve is removing content means that PayPal must have told them to remove the content or else they would stop allowing payments to Valve altogether. I can’t imagine a reality where this is not the case.

        • muusemuuse@sh.itjust.works
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          19 hours ago

          PayPal wouldn’t dare attack Steam for accepting external payment methods with rules they don’t agree with and can’t change because they don’t own those companies. In addition to opening them up to potential lawsuits, it could catastrophically backfire if Valve simply said “fine, we don’t accept PayPal anymore, but we do accept crypto now.”

          PayPal would die in a week. The investors would drag out a guillitine by the next earnings call.

          • ugo@feddit.it
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            14 hours ago

            I think that’s a naïve view. PayPal, Visa, Mastercard, and Stripe are all american companies that are either happy or feel compelled to comply the administration of the fascist-in-command.

            Sure maybe this is PayPal doing their own thing, or maybe it’s part of a more organized scheme in which potential lawsuits don’t really matter.

            • muusemuuse@sh.itjust.works
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              8 hours ago

              Paypal has a reputation for this kind of thing from before Trump 2.0 though. They’ve ben doing this since at least 2003.

        • sp3ctr4l@lemmy.dbzer0.com
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          21 hours ago

          Ah.

          That’s true.

          In fairness, I was trying to assess the capability of Valve to just make their own payment processing system, which they still largely could do.

          Granted, this would be a bit of an endeavor…

          But uh, fintech stuff is pretty common these days, Valve has a lot of money, and they could easily poach or hire some experts to guide the process of making their own version of something like Plaid or Chime or CashApp or Remitly, etc. but only for their ecosystem, not allow actual user to user direct cash txns, and work that into their own pre-existing Steam and Steam Mobile frontends.

          Valve does kinda know a thing or two about servers and server code, I’ve worked a bit on both game network code (as an enthusiast/mod maker/etc) and on import/export transactions amd dbs (professionally)… the actual coding involved in a video game server stack is way, way more complex imo… Valve really only need help with the legalities and regulations of setting up a compliant psuedo bank and payment systems in different countries and such.

          Then they could tell PayPal to go fuck themselves.

          I am not saying this is likely to happen, just saying it is hypothetically possible… and Valve is kind of known for innovating the gaming space, pushing the envelope, raising the bar, as they say.

          But, that being said… all that effort vs just delisting some shitty RenPy smut e-novels based on incest?

          Yeah, I’d just can the goonslop too.

          I’m seeing about 7000 ‘adult only’ games on the store right now… so… its not like they’ve just banned porn games.

          • ugo@feddit.it
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            14 hours ago

            Absolutely. I suspect Valve might do just that if / when processors try to slip down the slippery slope. What if PayPal demands all adult games to be gone? What if they demand games with LGBT+ themes to be gone? At some point Valve will have to draw a line and tell them to fuck off if this happens.

            But since there are only a handful of payment processors, what if they all collude and do this?

            I imagine that if they weren’t already, this event has likely spawned a payment processor independence project internally.

            • sp3ctr4l@lemmy.dbzer0.com
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              14 hours ago

              But since there are only a handful of payment processors, what if they all collude and do this?

              This is possible, but I kind of doubt that say, MasterCard and Visa are going to blanket ban all kinds of ‘adult’ charges… at least right now.

              Like uh, ever been to a strip club?

              Its not like Visa and MC don’t know that the ATMs there are infact at strip clubs, and even those ATMs are still ultimately using Visa or MC as a payment processor.

              I imagine that if they weren’t already, this event has likely spawned a payment processor independence project internally.

              I’d say probably not full fledged, ‘we are actively developing this’ project, but it may have at least spawned some discussion along the lines I above described.

              The way large tech corps tend to work is that a whole bunch of at least high level, general concept plans are drawn up, considered in meetings, sorta like cards pulled out of a deck, into your hand… and then there is deliberation as to whether or not to actually ‘play’ said card.

              The way I know that above paragraph is that uh, hah, like GabeN, I used to work for MSFT, and a few other companies/nonprofits with a significant tech aspect.

              But at the same time, I’ve not worked for Valve, I have no special, specific insight in that sense, and they are also rather notorious for being quite opaque about things they aren’t ready to full throatedly publically endorse… my guess there is that part of their culture largely stems from the notorious HL2 Beta/Alpha hack, way way back.

    • nialv7@lemmy.world
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      18 hours ago

      Maybe time for some to start a adult only game store that uses crypto to settle payments?

      • sp3ctr4l@lemmy.dbzer0.com
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        12 hours ago

        Nutaku exists but I don’t think they use crypto?

        Also you can buy adult games on itch.io, again, don’t think they do crypto though.

        The whole problem with … you know, actually using crypto for retail…

        1. transaction times are abysmally, orders of magnitude more slow than using PayPal or Visa or MC,

        2. crypto is exceptionally volatile, way, way less price stable than actual currencies,

        3. transaction fees tend to be way, way worse than using traditional payment processors, because what you are actually doing is closer to a realtime forex currency conversion service,

        4. or, if 3 is not the case, that means the retailer themself is directly holding a crypto wallet, which means they have massive financial risk and instability due to the extreme volatility of crypto, when all their other expenses are in USD or w/e

        There are reasons why basically every single retailer that has ever tried to directly accept crypto either cancels that after a year or two, or goes bankrupt, or both.

        I guess it could work if you convince game devs/publishers to directly accept payment in crypto…?

        But that still seems kinda unlikely.

        Also kinda like it would immediately be flooded with NFT/cryptobro scamslop, you know, like every single crypto basdd or crypto funded game, literally ever?

        • nialv7@lemmy.world
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          32 minutes ago

          You raise good points. It’s great that other store fronts still exist where you can sell adult games. But I do worry if credit card companies will come for them too one day.

          Re: crypto. Some of what you said is true. Transaction fee are comparatively expensive (but also note credit card companies charge transaction fees too, just not directly to the consumer). But other points aren’t necessarily true. Transaction times have improved a lot, there are networks designed for fast transaction times, and usually the payment can complete in seconds. The volatility problem is solved by stable coins, which have their values fixed relative a currency. (Of course stable coins can, and have failed in the past. But that only concerns you if you keep your money as stable coin. For one-off payments this shouldn’t matter). Retailers don’t have to hold cryptos if they don’t want to. Crypto markets have pretty good liquidity nowadays, it’s not hard to get rid of the coins immediately after you get them (well to be fair if you are getting Valve volumes it could be a problem, should be fine for smaller stores).

          Crypto is a fast evolving field, so problems are being solved by the day.

    • PlzGivHugs@sh.itjust.works
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      1 day ago

      As much as I like Valve’s work, I don’t think thats a good fit for them. Their staff seem to enjoy working on difficult technical tasks, and lose interest very fast when it comes to mundane maintenance, thus their numerous underutilized and unmaintained features throughout Steam and their games. A payment processor seems like exactly the sort of thing that would get forgotten about a month or two after it gets finished.

      • duchess@feddit.org
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        1 day ago

        Implementing direct debit shouldn’t be too hard and straining. Most of their staff is maintaining an e-commerce platform, they‘d do fine.

      • HexadecimalSky@lemmy.world
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        23 hours ago

        Yeah, also its less “valve staff get bored and dont do mundane tasks” iirc thier pay is based on what thier coworkers think the value of thier work was, which is usually in how visible/noticeable which discourages long projects thay take more than a year and mundane tasks that are not very clear and visible

        • sp3ctr4l@lemmy.dbzer0.com
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          13 hours ago

          I have never heard anything from any Valve interview to the effect of how specific pay rates for specific employees are actually set.

          I think (as in, this is my semi-informed speculation) it is closer to:

          You get hired to fill a specific role, with a specific pay rate (Valve still like, lists specific job openings with specific role requirements), and then uh, you have tasks within that realm that are fairly clearly your responsibility… but at the same time, everything going on at the company is essentially one big github issues list, a whole bunch of feature requests and bug reports, and everyone can contribute to any of those, assuming they’ve got their core responsibilities covered as well.

          (This is appealing to anyone who has ever worked in a tech corp or really any corp ever, because the standard way this works, at least in American corps… is you get hired for a role, that often has an exceptionally all encompassing job desc, or an absurd number of requirements… and then your boss and their boss just continuously, hierarchically, assign you new and more ever growing responsibilities…ie, your job has ‘scope creep’ the way a poorly developed game does. Valve inverts this and makes the ‘scope creep’ much, much more voluntary for the employee.)

          (If you’ve never worked a software dev focused or adjacent role, you would be amazed at how often and regularly management and C Suite just demand you learn and do things entirely not in your job description, just treat you as a ‘computer person’, as if a heart surgeon is also a brain surgeon and also a metabolic expert and also a pharmaceutical designer.)

          Like, there are probably still yearly reviews / the ability to try to negotiate yourself a raise… but I don’t think there is some kind of… formal, everyone votes in some sense on how much everyone else should be paid.

          Valve is still a private company, not an actual worker cooperative that votes up or down an entire business budget for the whole year or w/e.

          They are just a lot more flat of an organizational hierarchy, have a lot more unconventional work culture, but still ultimately a private corp.

          • HexadecimalSky@lemmy.world
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            8 hours ago

            They may have moved on from the structure they had ~10 years ago but there was documentation and interviews about that internal structure. yes it worked similar to that, there where tasks to be done but employees could largely choose whatever they want to work on, there where no formal managers but plenty de facto managers, there was base pay scales but most of the pay was bonuses, that where indeed based on the reviews of your coworkers based on how much work/value you appeared to make for the company. Because valve is private is why it had such a unique structure. Alot of former employees spoke about how that pay structure killed alot of projects and deincetivised maintenance tasks. Then because there was no formal management, if you wanted to work on larger projects you had to convince coworkers to work with you there was no assigned teams or bosses, and if your project took longer then the year, it would be likely there would be no fruit of your labor and you would likely be rated lower, i.e. less pay. Of course no formal bosses does not mean there was not cliques employees that had been there longer and/or had more influence with more coworkers had more power to form teams and trusted when working longer projects, also employees would connect with coworkers so that the work they did would be noticed. Who completed your employee review would be basically random, so you had to hope/ensure everyone knew what you where doing.

            Obviously there are alot of issues with this, I hope they have since moved on but last I heard there wasn’t much traction to change it. There is no board to appease and Gabe is the one who made the system, change is difficult for valve.

        • PlzGivHugs@sh.itjust.works
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          21 hours ago

          From what I understand, they’ve moved on from that structure. I believe that was one of the things talked about after the release of HL:A, with one of the employees saying that it was part of the reason the game actually got finished. That said, its been a while and even assuming I’m not misremembering information rarely leaves Valve, so I could be wrong.

          Edit: I’m wrong. See sp3ctr4l’s comment below.

          • sp3ctr4l@lemmy.dbzer0.com
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            21 hours ago

            You appear to be wrong.

            (It’s ok I will still give you a hug tho)

            https://www.geekwire.com/2020/behind-scenes-half-life-alyx-valve-revived-classic-franchise-vr-era/

            GeekWire: So you’ve been working on this (HL Alyx) full-steam since 2016?

            Robin Walker: We started in February of 2016, I think, with a small team, and we brought out a small prototype. Then people started to play that, understood what we were trying to do afterward, and started joining up.

            We had 80 people on the team when we were about midway through. The exact size of the team I wouldn’t be able to tell you. The way things work at Valve, people organically join once they’ve finished up what they were doing before, and if what you’re doing makes sense to them.

            So it was always full steam ahead, I guess, but not in the sense that all 80 people were there from day one.

            Also I’m just gonna LOL at Valve making HL Alyx, basically the first ever AAA VR game, in 4 years, with a max team size of 80, compared to uh, Concord, Skull and Bones, Marathon, etc.

            Fucking lol.

            Literally almost all Valve has to do is nothing and just watch half of their competition implode around them due to their unimaginable stupidity.