Comment by runnr_az
9 hours ago
Certain types of transactions come with different types of risk... one might reasonably assume that X-rated games fall into the "frequently fraudulent" category
9 hours ago
Certain types of transactions come with different types of risk... one might reasonably assume that X-rated games fall into the "frequently fraudulent" category
>one might reasonably assume that X-rated games fall into the "frequently fraudulent" category
There was no such evidence presented, all the evidence was that some christian extremists complained.
Sure your wife might see that you have a payment to pornhub and might not like it but you will not get on your credit card report the name of the game you bought from Steam or GOG so this fake excuse does not work like it would have worked with adult sites subscriptions.
But if there is evidence for Steam and GOG let me know, if somehow I missed the news and the chritian extemists were not the one that pressured VISA then also let me know.
Steam in particular is known to play hardball with chargebacks. If you issue a chargeback, rumor is that Steam will lock your entire account. Which seems incredibly unfair, but capitalism.
If the theoretical angle is stolen credit cards, I am unmoved. The point of stolen credit cards is to launder for durable goods/services. The external value of a digital porn game is $0.
This is generally true not just for Steam. By issuing a chargeback, you're burning that bridge and shouldn't be expect to do business with that vendor again.
3 replies →
This has always been a lie.
The entire giftcard industry operates with these payment networks just fine despite large chargeback percentages that come from literal stolen credit cards
If the claim that "higher chargeback risk" like that cut you off from the payment networks were true, you would not be able to buy gift cards with credit cards.
To your point, lots of cards both limit purchases and charge higher rates on giftcard purchases to offset the risk.
Why would anyone assume that these are frequently fraudulent, especially within a managed platform like Steam?
When Fandango at Home sells you the movie Shortbus is it more likely to be a fraudulent transaction than when they sell you Shrek?
Different content absolutely has different risk profiles.
However, the payment networks do not care. As long as you aren't literally a front for laundering stolen credit cards, they are happy to take your money and very happy to charge you for every single chargeback.
There has NEVER been any evidence presented to support this "porn has high chargeback rates" claim, and other fields that DO have high chargeback rates have no problems taking credit cards.