this post was submitted on 16 Jul 2025
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where do we think we would be at at this point if electronic payments were handled by government entities? Not trying to defend Visa or Mastercard, just genuinely curious what others think.
We'd be in the same place. It's not any better or worse for a private versus a public entity to do harm.
Also, the government is already part of this. If the DOJ told Visa, "hey, stop fucking around with that, you don't need to be trying to control legal agreements between parties, that's our purview" (or if they even thought the DOJ might), they'd drop this behavior in an instant. They are doing this in large part because they believe it is in line with the government's ideology. Preemptive compliance.
True to some degree if you're an American, but this is Visa setting internal policy for American politics, and that reflecting globally.
Not every country has the same laws or politics that the US does.
Every company is headquartered somewhere, or has some market that it cannot afford to withdraw from, and that makes them all ultimately subject to said governments. No business decision is made free from pressure when it comes to governments.
Again, the issue is this is an American company setting American content policy internationally.
Storefronts and brands can set up local branches and sell through those using the local digital payment provider without getting in trouble with their headquarter'd country. They can't do that with a private entity that's decided to set their global content policy to align with America's.
That is not the issue. That may be the subset of the issue that you have a problem with, but the actual issue is a payment provider setting purchase restrictions period. That it is happening in the US is not uniquely bad; it would be equally bad happening anywhere else.
Interpreting the international impact to be "the issue" would mean that if this were only affecting Americans, this would be fine, which is absolutely not the case.
To set up and sell in that country, they then have to comply with the local payment providers. Which shouldn't be deciding whether people can purchase something, just as Visa shouldn't be.
Wed probably be in a similar place, but the advantage of a private entity being that it can bridge the already existing digital payments, so if a store big enough like steam had the option to, they could integrate with that country's digital payments directly.