I WAS going to follow-up my “it’s always sunny in philadelphia” quote but I got completely distracted by TWENTY-EIGHT CENT EGGS. I can literally buy eggs from the source (there’s a farm nearby that “donates” a portion of their income directly to the chickens and puts it into quality of life upgrades for them) and it still costs me $4.50-5.00 a dozen depending on weight.
Well, banks here in NL have been using VISA and Mastercard cards, but that is more so people can use them in America/Canada and some other countries which are still behind on chipped cards.
But over the years I have seen 40-50 different payment platforms and most of them do not use Visa or Mastercard.
And use what instead? Swollen off PayPal is pretty easy because frankly it’s an awful service and businesses are better off not using it anyway so they tend to offer other options.
But MasterCard and visa are the only payment options. Everything requires MasterCard or Visa
Businesses are better of not using Paypal or Creditcards, both of the are a hassle and cost more time to process than a digital pin transaction or an old school bank transfer.
You have to use what is available in your country, a lot of countries have their own payment platform and they are being consolidated into one Wero.
As long as people keep using Mastercard or Visa they will have this power.
What country are you in? None of those options exist in Canada so I think you’re going to need to reframe your point.
Also I can state that giftcards do not exist where I live as I just went though 4 kids birthdays and check 20 different stores and winded up having to give up on Steam cards and buy prepaid Visas.
EDIT: To clarify, two years ago the cards existed. Last year they were scarce, and in 2025 they are no where to be found.
What are those other options you have anyway? I’ve never seen or heard of any of them.
Well I am in The Netherlands and the top one (iDeal) is a Dutch exclusive, I can understand that you don’t have those in Canada, but there should be other options right? Maybe contact support?
Otherwise, order gift cards online from somewhere or does that also go through Visa/Mastercard? Even then indirectly doing it is still better especially if you support a local business doing it with gift cards.
I can understand that you don’t have those in Canada, but there should be other options right? Maybe contact support?
I think you’re on the verge of understanding the problem. You’re so close. Just trust that the guy you’re replying to isn’t an idiot and you’ll finally understand.
Sure in the Netherlands you have options. But other places aren’t the Netherlands. Different countries have different options, but Visa, MasterCard, and PayPal work pretty much everywhere.
Edit: Completely unrelated, I’m munching on some licorice Mentos I found in the Dutch section of my local grocery store here in West Michigan, and I just want to thank the entire population of the Netherlands for the wonderful things y’all have done with licorice. No one likes it here, so no one bothered. But the variety your country comes up with for this stuff, it’s fantastic.
I can talk about the Netherlands, or Belgium or the vast majority of the other first world countries with different options to pay online. Even in North American you still have gift cards.
You can also contact support and ask them for different payment options, they aren’t going to accept bank transfers, but they will probably allow you to pay with JCB or some others that aren;t native to the Netherlands. (Heck, JCB is apparently something made for the Japanse market so idk why I can pay with it).
Heck, you can get your payment country changed, and then you can pay with different options. Yes, America (and Canada) have a lack of options for payment providers apparently and also for physical stores, but there is a chance that there are more options, like buying gift cards online even from different countries.
Wero will also be something everybody can use, but it’s like the next thing, we (as in Europeans) have had so many payment providers over the years it isn;t even funny.
Getting money to organizations outside Canada and the US, once you remove credit cards and paypal, is exclusive to wire transfer from within Canada. If i want to get my money to any entity outside of Canada those are my options. None of these alt payment providers exist in Canada, and we are barred from buying crypto from our accounts.
JCB seems like the Interac system here in Canada, which I doubt Steam would take payment from. Its essentially a bank transfer. Nope, apparently JCB is a Credit Card company like Visa et al.
And wiretransfer is expensive af to and from the sepa banking system so you can barely pass it through Europe.
JCB is Japanese so idk why we get it here in NL. It’s also not a credit card company they just issue them
I have seen like 40-50 different payment platforms over the years and different methods of paying which all don’t require a creditcard (I haven’t had one for years due to having one causing issues with getting mortgages here in the Benelux)
So I would assume that countries like Canada and the US would have more options as well in the end they are rich and developped nations.
anti-censorship international credit union owned by members that can conduct transactions internally without having to ask for visa or mastercard’s FUCKING permission when???
I’m saying we should build Dual Power and go around them.
Clearly I think it would be preferable if they didn’t do business with Russia, israel, or any other states actively engaging in the invasion of other people’s sovereignty, but that doesn’t have to be the only disqualifying factor. There are plenty of nations in the world that are toxic by other criteria. I highly doubt countries that murder civilians for wearing the “wrong” clothes or espousing the “wrong” opinions, for instance, would be conducive with the operation of such a credit union. Also, countries where if they find out you’re gay they execute you. That’s not very anti-censorship and tacit complicity with that fuckery would not further the mission.
So it would definitively not be bothering with the laws of countries it will never interact with.
Sure. But they are pretty much the only options in a lot of places. Yes they are shitty companies, but I personally can’t think of a good way to get away from them.
Local/national banks with their bankcards and payment platforms? Buying steam gift cards using cash or by pinning?
Even if your bank cards are halfway towards visa or mastercard using it through another party is still better.
There are some surviving national circuits like PagoBancomat (as the sibling comment from Scrollone) and Dankort (Denmark) and girocard (Germany). My personal impression is that they are slowly going out of fashion in favor of visa/mastercard only (probably because they can’t offer better prices than them).
I don’t see a solution to the duopoly, apart from lobbying politicians to support this national payment infrastructure. Especially in recent times I can also see how some governments might not want to rely entirely on two US companies for running their entire economy, so something might move on that side, so there’s hope on that side.
The EU has already been moving on this front in the last years by forcing the banks to provide programming interfaces to initiate bank payments, and that’s why you can now see more and more options to “pay by bank” online in EU. These online payments generally skip card circuits and run over normal SEPA bank transfers.
Not only that, but even if you manage to find a platform that isn’t directly owned by them, they are payment service networks. They are there along the way to facilitate transactions and manage relationships with merchant services. There is no escaping them.
In Italy we have PagoBancomat, but that’s a debit card, not a credit card.
If you buy online, you can also use PayPal connected directly to a bank account, no credit card necessary (PayPal is also a shitty company, but sometimes there’s no alternative…)
You can pay using SEPA bank transfer or direct debits or some other options.
That the bank is using VISA/MasterCard etc for their cards is still a better option than using them directly because they barely do anything. Heck European debit cards don’t even work like they do in the US. You HAVE to 2FA them.
Most of the time in Europe our transactions go through things like iDeal, Bancontant, Wero etc
Welllllllll, Taler is actually exactly the wrong suggestion for this usecase, because Taler requires all spends to be redeemed from Vendor to Issuer non-anonymously, which gives the Issuer 100% control and say which vendors are allowed, which is exactly the thing Visa and Mastercard are using to exert control.
If there were competing Taler networks and Steam supported all of them, that might be okay because one of them might happen to not be dicks, but if there’s just one or two then Taler is designed from the ground-up specifically to enable this bad outcome. It’s actually one of their features!
Something like that will kinda work, but using it will flag your transactions if you use it as a business. That’s the issue with a lot of these things is that we need to have some kind of balance between privacy and authorities being able to do anything against terrorism etc. And yes you can find terrorists based on transactions.
No I have seen real world examples of criminals being prosecuted because of what people on my field (accountancy) found during our work. That shits there for a reason.
This was company data though, which should be semi transparent anyway
I never said that it can’t be effective, I just don’t believe we should all suffer a massive erosion in our privacy for it. There are other ways to deal with crime.
Is there any good reason why shops/Vendors dont really offer any kind of Crypto? Like I genuinely dont get it aren’t you paying way more for using Visa/Mastercard etc. as a shop?
Because crypto isn’t really a currency as much as it is a volatile asset. Businesses require stability to run coherently, and utilizing something like crypto currency which could massively increase or decrease in value following a breaking news report isn’t something that large organizations can really tolerate.
Everybody needs to also stop using Mastercard/Visa/Paypal.
yeah I’ll start bartering right now
Ummmm.
ACH is how you get your paycheck, and it’s being updated to FedNow.
Zelle is an independent network as well.
And of course, there is Discover and AmEx.
There is also cash, check, money order. They still work today, just people largely forgot how to use them.
IIRC some Brazilian network was getting very popular off of this. If you want to look at non-US options.
There are plenty of competitors to Visa/Mastercard/Paypal.
can i
offertrade you a nice egg in this trying time?eggs are about $0.28 right now that’s 0.0000024 BTC which is ~ 239 sats + another 200 or so for transaction fees.
I really didn’t want to go bitcoin, but it’s likely the only reasonable competition we can put up against stuff the size of Visa.
I WAS going to follow-up my “it’s always sunny in philadelphia” quote but I got completely distracted by TWENTY-EIGHT CENT EGGS. I can literally buy eggs from the source (there’s a farm nearby that “donates” a portion of their income directly to the chickens and puts it into quality of life upgrades for them) and it still costs me $4.50-5.00 a dozen depending on weight.
The death grip that they have over everything is more than anything in history.
Well, banks here in NL have been using VISA and Mastercard cards, but that is more so people can use them in America/Canada and some other countries which are still behind on chipped cards.
But over the years I have seen 40-50 different payment platforms and most of them do not use Visa or Mastercard.
And use what instead? Swollen off PayPal is pretty easy because frankly it’s an awful service and businesses are better off not using it anyway so they tend to offer other options.
But MasterCard and visa are the only payment options. Everything requires MasterCard or Visa
There’s Discover and American Express if you’re in the US. I don’t know the porn policies of those companies but they are the alternatives.
I’m not in the US.
Amex works outside the US. I use it in Europe.
So the ones that cost more? You think any of them have different policies? I doubt it .
JCB?
A large digger? How’s that help?
Discover has an alliance with JCB. So that’s just Discover in the USA.
I love using my JCB to buy JBCs
Businesses are better of not using Paypal or Creditcards, both of the are a hassle and cost more time to process than a digital pin transaction or an old school bank transfer.
You have to use what is available in your country, a lot of countries have their own payment platform and they are being consolidated into one Wero.
As long as people keep using Mastercard or Visa they will have this power.
Yeah people keep using them because there are no other options. That’s the point that’s why they’re powerful because they have a monopoly.
The thing is the only alternative is to use cash and steam won’t take a bank transfer.
In North America there are no other options it seems, but outside that yes other options exist.
Also gift cards
How else are you supposed to buy something on Steam? You just listed every available option.
Did I though? Also giftcards exist
What country are you in? None of those options exist in Canada so I think you’re going to need to reframe your point.
Also I can state that giftcards do not exist where I live as I just went though 4 kids birthdays and check 20 different stores and winded up having to give up on Steam cards and buy prepaid Visas.
EDIT: To clarify, two years ago the cards existed. Last year they were scarce, and in 2025 they are no where to be found.
What are those other options you have anyway? I’ve never seen or heard of any of them.
Well I am in The Netherlands and the top one (iDeal) is a Dutch exclusive, I can understand that you don’t have those in Canada, but there should be other options right? Maybe contact support?
Otherwise, order gift cards online from somewhere or does that also go through Visa/Mastercard? Even then indirectly doing it is still better especially if you support a local business doing it with gift cards.
I think you’re on the verge of understanding the problem. You’re so close. Just trust that the guy you’re replying to isn’t an idiot and you’ll finally understand.
Sure in the Netherlands you have options. But other places aren’t the Netherlands. Different countries have different options, but Visa, MasterCard, and PayPal work pretty much everywhere.
Edit: Completely unrelated, I’m munching on some licorice Mentos I found in the Dutch section of my local grocery store here in West Michigan, and I just want to thank the entire population of the Netherlands for the wonderful things y’all have done with licorice. No one likes it here, so no one bothered. But the variety your country comes up with for this stuff, it’s fantastic.
PayPal doesn’t even work on Amazon.com
I can talk about the Netherlands, or Belgium or the vast majority of the other first world countries with different options to pay online. Even in North American you still have gift cards.
You can also contact support and ask them for different payment options, they aren’t going to accept bank transfers, but they will probably allow you to pay with JCB or some others that aren;t native to the Netherlands. (Heck, JCB is apparently something made for the Japanse market so idk why I can pay with it).
Heck, you can get your payment country changed, and then you can pay with different options. Yes, America (and Canada) have a lack of options for payment providers apparently and also for physical stores, but there is a chance that there are more options, like buying gift cards online even from different countries.
Wero will also be something everybody can use, but it’s like the next thing, we (as in Europeans) have had so many payment providers over the years it isn;t even funny.
Getting money to organizations outside Canada and the US, once you remove credit cards and paypal, is exclusive to wire transfer from within Canada. If i want to get my money to any entity outside of Canada those are my options. None of these alt payment providers exist in Canada, and we are barred from buying crypto from our accounts.
JCB seems like the Interac system here in Canada, which I doubt Steam would take payment from. Its essentially a bank transfer. Nope, apparently JCB is a Credit Card company like Visa et al.Yeah, JCB is not available in the Americas
And wiretransfer is expensive af to and from the sepa banking system so you can barely pass it through Europe.
JCB is Japanese so idk why we get it here in NL. It’s also not a credit card company they just issue them
I have seen like 40-50 different payment platforms over the years and different methods of paying which all don’t require a creditcard (I haven’t had one for years due to having one causing issues with getting mortgages here in the Benelux) So I would assume that countries like Canada and the US would have more options as well in the end they are rich and developped nations.
anti-censorship international credit union owned by members that can conduct transactions internally without having to ask for visa or mastercard’s FUCKING permission when???
I’m saying we should build Dual Power and go around them.
I would hate to see that credit union comply with the financial regulations of EVERY country.
Clearly I think it would be preferable if they didn’t do business with Russia, israel, or any other states actively engaging in the invasion of other people’s sovereignty, but that doesn’t have to be the only disqualifying factor. There are plenty of nations in the world that are toxic by other criteria. I highly doubt countries that murder civilians for wearing the “wrong” clothes or espousing the “wrong” opinions, for instance, would be conducive with the operation of such a credit union. Also, countries where if they find out you’re gay they execute you. That’s not very anti-censorship and tacit complicity with that fuckery would not further the mission.
So it would definitively not be bothering with the laws of countries it will never interact with.
Sure. But they are pretty much the only options in a lot of places. Yes they are shitty companies, but I personally can’t think of a good way to get away from them.
Local/national banks with their bankcards and payment platforms? Buying steam gift cards using cash or by pinning? Even if your bank cards are halfway towards visa or mastercard using it through another party is still better.
I don’t know what it’s like where you’re from, but here in the UK all banks use Visa, MasterCard or Amex for their bank cards.
There are some surviving national circuits like PagoBancomat (as the sibling comment from Scrollone) and Dankort (Denmark) and girocard (Germany). My personal impression is that they are slowly going out of fashion in favor of visa/mastercard only (probably because they can’t offer better prices than them).
I don’t see a solution to the duopoly, apart from lobbying politicians to support this national payment infrastructure. Especially in recent times I can also see how some governments might not want to rely entirely on two US companies for running their entire economy, so something might move on that side, so there’s hope on that side.
The EU has already been moving on this front in the last years by forcing the banks to provide programming interfaces to initiate bank payments, and that’s why you can now see more and more options to “pay by bank” online in EU. These online payments generally skip card circuits and run over normal SEPA bank transfers.
More info here on the last part: https://en.m.wikipedia.org/wiki/Payment_Services_Directive
Not only that, but even if you manage to find a platform that isn’t directly owned by them, they are payment service networks. They are there along the way to facilitate transactions and manage relationships with merchant services. There is no escaping them.
In Italy we have PagoBancomat, but that’s a debit card, not a credit card.
If you buy online, you can also use PayPal connected directly to a bank account, no credit card necessary (PayPal is also a shitty company, but sometimes there’s no alternative…)
Creditcards just exist so people buy more shit to fund corporate greed anyway.
For businesses they are annoying since it is more work to do the administration, they cost more and there is a greater risk involved.
You can pay using SEPA bank transfer or direct debits or some other options.
That the bank is using VISA/MasterCard etc for their cards is still a better option than using them directly because they barely do anything. Heck European debit cards don’t even work like they do in the US. You HAVE to 2FA them.
Most of the time in Europe our transactions go through things like iDeal, Bancontant, Wero etc
No. But you can,
i wish gnu taler was widespread
Welllllllll, Taler is actually exactly the wrong suggestion for this usecase, because Taler requires all spends to be redeemed from Vendor to Issuer non-anonymously, which gives the Issuer 100% control and say which vendors are allowed, which is exactly the thing Visa and Mastercard are using to exert control.
If there were competing Taler networks and Steam supported all of them, that might be okay because one of them might happen to not be dicks, but if there’s just one or two then Taler is designed from the ground-up specifically to enable this bad outcome. It’s actually one of their features!
Sorry.
Something like that will kinda work, but using it will flag your transactions if you use it as a business. That’s the issue with a lot of these things is that we need to have some kind of balance between privacy and authorities being able to do anything against terrorism etc. And yes you can find terrorists based on transactions.
Someone’s drunk the “governments only erode our privacy to stop terrorism” coolaid yeesh.
No I have seen real world examples of criminals being prosecuted because of what people on my field (accountancy) found during our work. That shits there for a reason.
This was company data though, which should be semi transparent anyway
I never said that it can’t be effective, I just don’t believe we should all suffer a massive erosion in our privacy for it. There are other ways to deal with crime.
We where talking about businesses right? Not on a person level?
Just flag the 50k+ transactions for which you need to go to the bank anyway for personal use and keep the dame for businesses
Is there any good reason why shops/Vendors dont really offer any kind of Crypto? Like I genuinely dont get it aren’t you paying way more for using Visa/Mastercard etc. as a shop?
Because crypto isn’t really a currency as much as it is a volatile asset. Businesses require stability to run coherently, and utilizing something like crypto currency which could massively increase or decrease in value following a breaking news report isn’t something that large organizations can really tolerate.
Okay, makes sense. Thanks for your explanation!
Np