• PerogiBoi@lemmy.ca
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    11 days ago

    This is the start. Mastercard and Visa will soon block you from other content like movies and music (if it’s explicit) and books.

    They are at the whims of religious extremists.

    • Taldan@lemmy.world
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      11 days ago

      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

  • Lvxferre [he/him]@mander.xyz
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    11 days ago

    I criticised how apologetic itch.io’s statement was towards the payment mafia, but credits where it’s due:

    Going nuclear was the smart move. I seriously doubt this censorship wave would’ve gathered so much attention if itch.io only delisted games with the content the mafia is currently going against. It helps to avoid that slippery slope, where people turn a blind eye to small violations of their agency until it’s on something that personally matters to them.

    It’s also sensible to look for alternatives, so it doesn’t need to rely on the mafia on first place. A bit too late, but better late than never.

    • CosmicTurtle0@lemmy.dbzer0.com
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      11 days ago

      The issue I have with non-credit card purchases is who owns the fraud transactions. For that reason alone, I don’t like the idea of giving any site full banking information, especially given the sheer amount of data exfiltration that takes place on a regular basis.

      • Taldan@lemmy.world
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        11 days ago

        We really need a push based payment system. It’s absurd someone can take money from you simply by knowing your credit card or bank numbers

        • SkyeStarfall@lemmy.blahaj.zone
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          11 days ago

          Wait, where in the world does that happen?

          …don’t tell me that in the US if someone has your banking details they can do literally anything they want, and just empty your account

          • MotoAsh@lemmy.world
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            10 days ago

            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 you’re just ignorant as to how open these systems still are to abuse…

            • SkyeStarfall@lemmy.blahaj.zone
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              10 days ago

              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

              • MotoAsh@lemmy.world
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                10 days ago

                Two factor how? Some would argue a CVV is a second factor, which is actually used in the US.

                (I don’t ask to be combative but to clarify the differences. I would not call a CVV true two factor)

                • LittleEndu@lemmy.world
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                  10 days ago

                  CVV is printed on the same side as the CC these days. It’s literally as if your CC was 19 numbers long instead of 16. If you still have a card where it’s printed on the back then yeah, it’s sort of a “I have physical access to the card to flip it” factor of authentication.

        • HubertManne@piefed.social
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          11 days ago

          this. it sorta annoys me putting in the payee endpoint as well. You should be able to get a number or code or whatnot from the place wanting payment and it will setup the payee endpoint and give you a code. You should then be able to purchase something and give the payee the code which they can do to send a bill to whats setup at your bank. then you go and authorize the payment and of course someone could set it to always accept payments from the payee if they are lazy. It also super annoys me that there is not more options on bank accounts. I want my savings to only allow transfers out to specific accounts I setup. Like my checking. Not allowing any transfers from other institutions. The checking can then be open and I can trasfer there before doing something else with it. Any type of transfer should always do a balance check and not go if insufficient balance is available with no fee.

      • ℍ𝕂-𝟞𝟝@sopuli.xyz
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        11 days ago

        A lot of European countries have direct bank transactions streamlined, you scan a QR code and fraud is owned by the bank.

        It’s ecen more secure than cards, since you can’t get double charged by the vendor.

        • azertyfun@sh.itjust.works
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          11 days ago

          What Americans tend to refer to as “fraud protection” 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 won’t do that even on my credit card, because it’s 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 don’t have the means to meaningfully dispute fraudulent chargebacks.

          • TotalCourage007@lemmy.world
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            10 days ago

            I’m cool with going around the system if it has become corrupt by enforcing censorship. We need a way for CryptoCurrency to become standard.

        • Dagnet@lemmy.world
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          11 days ago

          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

  • BlackLaZoR@fedia.io
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    11 days ago

    Good luck finding anything that works globally. Crypto payments are only alternative - Thankfully PayPal seems to be planning going crypto processor itself