Comment by Anonyneko
6 hours ago
I wish they would face litigation for banning the sale of large swaths of content (or even banning the content altogether on sites relying on donations/subscriptions to survive). Paypros have no business being censors.
patio11 wrote an in-depth post about how the Southern Poverty Law Center abused their ownership of a list that every payment processor used to decide which hates groups to de-bank: https://www.bitsaboutmoney.com/archive/nonprofit-indicted-ba...
> abused their ownership
Can you quote the specific part you're referring to?
I think this is a fair request given the 15,000+ word length of the thing. Do you mean a particular abuse of the list contents (e.g. putting someone on it for revenge) or do you mean the overall pressure-campaign to get companies to adopt the list to prove they aren't Badguy Sympathizers?
LOL.
https://theconversation.com/white-supremacists-spin-a-justic...
This misses the mark in the same way people getting mad at Google for updating the "Gulf of Mexico" do.
You're missing the driver. It's not like Google cares or wants to change the name. They more or less have to given the public/private relationship and who is responsible for what. It's not Google's job to name bodies of water, it's not a credit card company's job to censor. And if you actually look, they aren't making that decision because they want to. They are often acting on behalf of the government.
Payment companies are even more enmeshed with the state. They often do these things to simply comply with what the government tells them to do or to get ahead of government telling them what to do. Like with some of the anti-pornography laws being drafted or passed in certain American states.
The private/public distinction really needs to come under more scrutiny here. The credit card duopoly is very much tied in with state power. This has only accelerated post 9/11 as the Treasury's mandate increasingly shifted to "national security".
Payment processors are censors because the government is. Just like Flock the government can't do certain things so it contracts with a third party. They then have an interest in protecting/promoting that party. Flock is a snoop because the police are snoops. If Flock does it and the government merely pays for it well it's not a violation of your rights. Your rights protect you against the government, not against Flock. It's the same legal backdoor. A payment processor doesn't care what you buy, why would they? They make money so long as you keep transacting. It's the government that cares.
This same dynamic happens all over the American economy because the private/public distinction can get increasingly amorphous. Your credit card is as much government spyware as your phone. But understand - the problem is not the companies, it's the majority of your fellow citizens who either don't care or actually do endorse censorship. Unless you have a solution for that trying to blame credit card companies for the problem unfortunately misses the mark. You might as well suggest Google have the authority to name bodies of water.
Many people are attacking you here but I suspect you're right. Here in the UK, we have infrastructure for digital direct bank to bank payments (e.g bypassing Visa & Mastercard). That should mean as long as you have a bank that's willing to work with a service that sells adult content you're OK but:
- Many banks are not OK with that
- Even if you find one who does, finding an Open Banking provider to be that middleman is a nightmare
Short of working with the financial conduct authority to be your own financial institution, it's makes getting paid a pain if you want to accept adult content (even if you have all the safeguards and comply with all UK law!). I can't see anything but it being indirect pressure to censor, and to push smaller players out of the market - such that it's easier to regulate the industry.
> It's not Google's job to name bodies of water
It kind of is.
If the US executive branch published an order renaming every street in America to "America Street", I suspect Google would not update Google Maps to reflect that unless the government compelled them to do so.
Google has made a choice about where they're placing the bar for voluntary action.
They aren't even my fellow citizens, I'm from Europe and mostly buying content from Japan. Yet those American companies still keep getting in the way.
Your governments benefit enormously from American largesse. Europe is essentially still operating in receivership to the United States
Why have almost all European leaders come to grovel before an American President they clearly despise?
When you can defend your own continent without the sight of your governments prostrating themselves to such a man I'll take your claim more seriously. Europe has been asked for decades now to act more responsibly. Now you are being forced. Instead of blaming America let's see if you guys can cobble together a path forward with waning American guarantees without recreating the internecine strife that led to the American intervention in the first place.
Nothing I am seeing out of Europe gives confidence over the next decade. Hold your own governments accountable.
2 replies →
> They more or less have to given the public/private relationship and who is responsible for what. It's not Google's job to name bodies of water, it's not a credit card company's job to censor.
They don't have to but they can, but monopolies and oligopolies don't have to and don't play by the same rules and they tend to have a lot of political and soft power. Especially in Google's case, it's not a stick a floating in the river and going wherever the current takes it. Brin and Page are (allegedly) sentient human beings and they still control the majority of the company. Maybe they couldn't pull of exactly what Musk is doing but there is a huge amount of space in between that and doing nothing.
Sure, what point are you making?
I'm not alleging a conspiracy. It's almost self evident emergence given the nature of a company and a government. What is Google to gain for resisting the name change? Nothing. Status quo they benefit from a service that names things according to government convention. Their map wouldn't be very useful otherwise. If the government starts renaming things why do they care? This isn't some cult in the middle of nowhere, the federal government changed the name. If liberals don't like it tough maybe learn how to not choke away another election. Why would Google fight the government on the name change? There is no upside and it's not something they care about. More importantly it's not their job.
The same logic applies to credit cards. You think the MasterCard CEO is gonna risk his plush paycheck so a handful of degenerates can beat off? He doesn't care. It's not his job to decide that question and he doesn't want it to be. If the government wants to nationalize him however, then of course he will care. It's called a trade off and ultimately all successful people learn to navigate them. It doesn't change the fundamental truth in my point that many people blame corporations for alleged sins that in truth are caused by governments. The "Gulf of Mexico" thing and "credit card censorship" being two of many examples of this confusion in our discourse.
Increasingly people are so deep on abstractions from the essential issues that they have lost sight of reality. People who are pro gun control get furious when the courts inevitably rule that the many legal kludges used to compensate for a lack of unity or functional societal give and take. There’s a genuine sense that the kludges are necessary rather than a sloppy shortcut to bypass the democratic process they feel has been corrupted.
Naturally the “other side” feels the same and returns the favor, so we end up in this death spiral of ignorant people reacting emotionally to complex issues they lack the patience to work through as a society.
Tl:dr there is no shortcut to changing society, any such victories will be short term and costly.
Why would they? The governments themselves want to censor. It'd be weird if they punish payment processors for doing the hard work for them.
Then religious institutions should be taxed.
If "the power to tax is the power to destroy" justifies insulating religion from government financial leverage, then the power to financially deplatform should raise the same concern for speech.
While smaller, PayPal does this far more often FWIW.
Let's say you use a Visa card to pay for the services of a prostitute. How should they deal with a chargeback request if you weren't satisfied with services rendered?
Assuming we're talking about performing this transaction in a jurisdiction where prostitution is legal, how is it any different from any other business transaction? I don't think anyone is particularly mad about payment processors refusing to process illegal transactions, it's the refusal to process legal but morally controversial transactions that is problematic.
I am mad about payment processors censoring transactions. they displace neutral forms of money like cash or cryptocurrency
Why is it problematic? Maybe they don't want to be associated with those things or involved in them?
If I pay a masseuse, and I try to do a charge back because I wasn't satisfied with services rendered, what happens?
One mans "censor" is anothers "brand protection". Given that they are currently allowed and expected to decide who gets to use their payment networks, it seems pretty obvious to me that they won't allow extreme content next to their logos. If you made clear rules that specify when they have to extend service, I'm sure they would love to relinquish that responsibility. Visa has no moral objection to what you do, as long as they make money and aren't exposed to political pressure.
Approximately zero people, reasonable or unreasonable, believe that they payment processor has anything to do with the business. You can see this because whenever a business is caught doing something naughty and people try to cancel it, no one ever says "this is all VISAs fault - they're next!"
I wish people on HN would stick to the subject.
Thus far, you have posted three separate comments in this thread lambasting other commentors for being "off-topic" for discussing payment processors in a thread about payment processors.
Elaborate with specific examples of how the commentors in question are being "off-topic" and what you would consider topical for this thread, or please cease spamming actual off-topic meta-commentary quips.
I'll refer you to https://news.ycombinator.com/newsguidelines.html
TFA is about specific litigation, not simply "payment processors". There ARE comments that actually discuss TFA, but the ones I noted don't. And I didn't "spam" ... that's nonsense. And the "lambasting" here is yours ... in response to a wish. (I also responded to a comment defending the KKK and Nazis.)
I won't respond to you again.
IIRC it was religious bodies targeting / lobbying / infiltrating them as a way to push their censorship beliefs? Perhaps someone else knows better
So we need a counter-lobbying group. Where is the Porn-for-All EFF?