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Comment by tptacek | Hacker News Reader

This isn't responsive to anything I've written. It's not in any sense a moral debate over sex products. It's a practical debate over how expensive it is to underwrite transactions in these markets. The people involved in making those payments work are extending credit.

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Payment processors have constructed a “moral ordering of sexuality” [1] that would be entirely unnecessary if, as you claim, their intentions are purely legal and/or related to high chargeback rates.

If it’s not a moral issue, then the rules should be simple and easily communicable. Examples: Comply with the law of your jurisdiction. Keep your chargeback rates below x%. Instead, payment processors intentionally refuse to enforce consistent rules across platforms. Not the behavior of an economically-motivated, entirely rational agent.

[1] https://journals.sagepub.com/doi/10.1177/13634607241305579

First off, great article, everyone involved in this discussion should read it.

Second, agreed, if this was primarily about chargeback rates, there'd be no differentiation between disallowing things like hypnosis, (fictional) non-con, BDSM, etc. over vanilla sexual material. Instead it seems to be a mixture of pressure by (primarily religious, though some feminist) anti-porn activists, negative media portrayals (e.g. Kristof's PornHub article in the NYT), and understandable fear of lawsuits resulting from hosting actual illegal material (Visa/Pornhub case in California).

Thanks for taking the time to read the article. I’m glad you appreciated it.

This is all a pretty naive take on dealing with transaction fraud. You're not going to get the transparency you're after.

I’m not calling for “more transparency,” I’m calling into question your assertion that the payment processors are acting out of rational self-interest.

It’s a little strange to complain about no one being responsive to you when you’ve summarily dismissed every comment in this thread.

Once again this is like the 10th time this discussion has played out on HN. If you want to see a less conclusory set of arguments, use the search bar and go back a couple years.

The counterargument here doesn't even make sense. You think payment processors are run by people with weird puritan takes on adult content? No, they're exactly the same nerds that work everywhere else in the industry. I'm sure someone will come up with some just-so story about how payment processors, and only payment processors, are suspectible to influence from religious radicals or whatever, but: special pleading is special pleading.

> Once again this is like the 10th time this discussion has played out on HN.

If the conversation is too boring and repetitive for you personally due to your long, long history as a commenter, you could always choose not to participate in it. That’s more or less what you’ve done here in any case, with the added efficiency of one fewer step.

This is what, past the thirtieth anniversary of Eternal September? I’d think you’ve had plenty of time to cope with the social phenomenon.

> I'm sure someone will come up with some just-so story about how payment processors, and only payment processors, are suspectible to influence from religious radicals or whatever, but: special pleading is special pleading.

A lot of that going around, huh. https://news.ycombinator.com/item?id=48129408

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