Itch.io are seeking out new payment processors who are more comfortable with adult material
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A lot of European countries have direct bank transactions streamlined, you scan a QR code and fraud is owned by the bank.
Itβs ecen more secure than cards, since you canβt get double charged by the vendor.
What Americans tend to refer to as βfraud protectionβ is charge back policies, where the payment processor acts as Content Police and revert transactions if they hear the vendor was unfair to their customer (and they usually are on the side of the customer).
My EU bank wonβt do that even on my credit card, because itβs insane that one would expect a financial institution to be judge, jury, and executioner in the case of a disagreement over legal services rendered.
Americans have to own up to the uncomfortable fact that dependence on these policies is what keeps the big credit cars companies in power, on top of severely driving up consumer prices (unfairly weighted towards the rich of course who get cashbacks thanks to the obscene money Visa makes on their enormous transaction fees) and being incredibly unfair to small vendors who donβt have the means to meaningfully dispute fraudulent chargebacks.
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My country has our own government operated, fast, simple and cheap payment method so now visa and mastercard are making the US government pressure us to destroy it
Which country?
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We really need a push based payment system. Itβs absurd someone can take money from you simply by knowing your credit card or bank numbers
Wait, where in the world does that happen?
β¦donβt tell me that in the US if someone has your banking details they can do literally anything they want, and just empty your account
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Wait, where in the world does that happen?
β¦donβt tell me that in the US if someone has your banking details they can do literally anything they want, and just empty your account
They absolutely can, yes.
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Wait, where in the world does that happen?
β¦donβt tell me that in the US if someone has your banking details they can do literally anything they want, and just empty your account
Sepa Direct Debits work in basically every SWIFT-connected country too, so thatβs most of the world.
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What Americans tend to refer to as βfraud protectionβ is charge back policies, where the payment processor acts as Content Police and revert transactions if they hear the vendor was unfair to their customer (and they usually are on the side of the customer).
My EU bank wonβt do that even on my credit card, because itβs insane that one would expect a financial institution to be judge, jury, and executioner in the case of a disagreement over legal services rendered.
Americans have to own up to the uncomfortable fact that dependence on these policies is what keeps the big credit cars companies in power, on top of severely driving up consumer prices (unfairly weighted towards the rich of course who get cashbacks thanks to the obscene money Visa makes on their enormous transaction fees) and being incredibly unfair to small vendors who donβt have the means to meaningfully dispute fraudulent chargebacks.
Banks can and absolutely do honor chargeback requests, though the terminology is usually different, even in the EU. But these are usually always honored (eg SDD Reversal or MOIs).
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Banks can and absolutely do honor chargeback requests, though the terminology is usually different, even in the EU. But these are usually always honored (eg SDD Reversal or MOIs).
βRegularβ SDDs can only be done within 5 business days apparently. Not that I would know, my bank certainly doesnβt offer a magic money back button to their private customers, and as I remember it my contract only allows transaction reversal in case of identity fraud, basically.
As far as I can tell, SDDs are a B2B-oriented tool that can only be initiated in particular circumstances such as a merchant being unable to fulfill an order altogether β i.e. when the legal case for a breach of contract is so unambiguous that it isnβt worth either partyβs time to go to court. Thatβs very different from the American thinking of βmy hotel room wasnβt as clean as I like it so Iβm going to do a chargeback because thatβs my Visa-given rightβ.
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β¦ Exactly why I canβt stand that platform. Instead of just leaving that trash off the platform, theyβre fighting for it.
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Wait, where in the world does that happen?
β¦donβt tell me that in the US if someone has your banking details they can do literally anything they want, and just empty your account
So what do you do to set up automatic payments or buy something online where chips cannot be read? Do you get a notification to approve the transaction every time? It sounds more like youβre just ignorant as to how open these systems still are to abuseβ¦
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β¦ Exactly why I canβt stand that platform. Instead of just leaving that trash off the platform, theyβre fighting for it.
Keep an eye out for rocks through your window, pal.
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β¦ Exactly why I canβt stand that platform. Instead of just leaving that trash off the platform, theyβre fighting for it.
Found the censorship lover. Iβm gonna write so much smut with your username now, the real nasty cuckoldry kind then turn it into a twine game and once itch return to normal I am posting it on there.
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What Americans tend to refer to as βfraud protectionβ is charge back policies, where the payment processor acts as Content Police and revert transactions if they hear the vendor was unfair to their customer (and they usually are on the side of the customer).
My EU bank wonβt do that even on my credit card, because itβs insane that one would expect a financial institution to be judge, jury, and executioner in the case of a disagreement over legal services rendered.
Americans have to own up to the uncomfortable fact that dependence on these policies is what keeps the big credit cars companies in power, on top of severely driving up consumer prices (unfairly weighted towards the rich of course who get cashbacks thanks to the obscene money Visa makes on their enormous transaction fees) and being incredibly unfair to small vendors who donβt have the means to meaningfully dispute fraudulent chargebacks.
Iβm cool with going around the system if it has become corrupt by enforcing censorship. We need a way for CryptoCurrency to become standard.
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Or, even worse: At the whims of the president
It would be a convenient way to bypass having to pass legislation, allowing more consolidation of power in the executive branch
Up next for removal: Wolfenstein; because it hurts the Nazis feelings
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β¦ Exactly why I canβt stand that platform. Instead of just leaving that trash off the platform, theyβre fighting for it.
Fuck off Nazi
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This is the start. Mastercard and Visa will soon block you from other content like movies and music (if itβs explicit) and books.
They are at the whims of religious extremists.
Christ Card companies
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Wait, where in the world does that happen?
β¦donβt tell me that in the US if someone has your banking details they can do literally anything they want, and just empty your account
Yes thatβs how it works
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So what do you do to set up automatic payments or buy something online where chips cannot be read? Do you get a notification to approve the transaction every time? It sounds more like youβre just ignorant as to how open these systems still are to abuseβ¦
Yes. Every purchase I do has two-factor authentication
If I do automatic payment, I need to set it up manually and also set a custom limit of how much is allowed to be pulled. I also typically get a notification every time an automatic transaction is planned to occur
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β¦ Exactly why I canβt stand that platform. Instead of just leaving that trash off the platform, theyβre fighting for it.
Anyone else having Jack Thompson flashbacks, except worse because itβs actually gaining some traction?
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Rule of acquisition #85: Never let the competition know what youβre thinking
In this case I interpret the competition to be the various payment processors that might be willing to serve for additional fees
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Yes. Every purchase I do has two-factor authentication
If I do automatic payment, I need to set it up manually and also set a custom limit of how much is allowed to be pulled. I also typically get a notification every time an automatic transaction is planned to occur
I fucking wish
