Updated: 8/1/2025 4:18 p.m. ET: In a statement to Kotaku, a spokesperson for Valve said that while Mastercard did not communicate with it directly, concerns did come through payment processor and banking intermediaries. They said payment processors rejected Valve’s current guidelines for moderating illegal content on Steam, citing Mastercard’s Rule 5.12.7.
“Mastercard did not communicate with Valve directly, despite our request to do so,” Valve’s statement sent over email to Kotaku reads. “Mastercard communicated with payment processors and their acquiring banks. Payment processors communicated this with Valve, and we replied by outlining Steam’s policy since 2018 of attempting to distribute games that are legal for distribution. Payment processors rejected this, and specifically cited Mastercard’s Rule 5.12.7 and risk to the Mastercard brand.”
Rule 5.12.7 states, “A Merchant must not submit to its Acquirer, and a Customer must not submit to the Interchange System, any Transaction that is illegal, or in the sole discretion of the Corporation, may damage the goodwill of the Corporation or reflect negatively on the Marks.”
It goes on, “The sale of a product or service, including an image, which is patently offensive and lacks serious artistic value (such as, by way of example and not limitation, images of nonconsensual sexual behavior, sexual exploitation of a minor, nonconsensual mutilation of a person or body part, and bestiality), or any other material that the Corporation deems unacceptable to sell in connection with a Mark.”
Violations of rule 5.12.7 can result in fines, audits, or companies being dropped by the payment processors.



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So much fucking censorship and agenda-pushing on the internet.
It makes me sick how many useful idiots are being herded like sheep just to satisfy those with more money than them.
Direct link: Mastercard rule 5.12.7 Illegal or Brand-damaging Transactions
As much as we hate x, airing negative publicity over their attempt to deny responsibility by directly citing back their policy & asking questions might be good.
Fuckers are just propagating the fury without providing a fix. Are the censored games back or not? Because right now they aren’t. Put them back and make Mastercard do something about it now that they have staged their position. Collective Shout is playing both sides.
Brilliant, just make your rules vague and force everyone else down the chain to self-censor. Surely this will result in the best outcome.
Fucking mastercard
removed by mod
Up to the third comma, yes, but all the rest seems to go beyond that pretty arbitrarily.
When they say anything that “may damage the goodwill of the corporation”, and qualify that with “in the sole discretion of the Corporation” that just means “anything we don’t want to be associated with, and we will be the judge of that”.
That’s what makes it so vague, how is a Merchant or an Acquirer supposed to know what Mastercard might find damaging to the goodwill? They have to guess, or use trial and error*. Most will just err on the side of caution, which means customers get blocked from even more purchases, just to be safe.
* Or talk to Mastercard, which Valve apparently tried, but they wouldn’t respond.
Looks like MasterCard is going to have to ban MasterCard because of all the damage they’ve done to MasterCard’s goodwill.
Whose law? The US? UK? Netherlands? Japan? Or Singapore?
That’s why it’s vague.
It’s much worse than that. How they word it is “if it may damage the public image of mastercard”. And they don’t review the content, they review the means used to prevent the damage to their brand.
So valve doesn’t even need to have anything that actually damage mastercard brand, it just need to be that mastercard is not comfortable enough with the measures used to prevent it.
Like buying anything would actually damage the brand of Mastercard. It’s such a nonsensical excuse that I’m surprised nobody laughed in their face.
Yeah, right up until assholes start posting “MASTERCARD SELLS SMUT INCEST HENTAI GAMES” on TikTok. Then it’s a problem, and MasterCard considers that damaging to the brand.
Except that’s entirely false. Even now they are pretending they do nothing, it’s the intermediaries who force things.
Mastercard sells absolutely nothing. And they have no responsibility for anything sold. And no one ever thought it was mastercard selling or even allowing to sell illegal things.
In fact, most people will believe no one sound of mind will buy something illegal with a credit card because mastercard and the likes will give your identity to the police.
So it’s not about illegal things, and it’s not about their image.
There’s really nothing stopping anyone from posting that right now. That’s the quality level of most of the online content nowadays.
That’s my point. They are posting it, and MasterCard does consider it harmful to the brand, so now we’re here.
If they just wanted to follow the law, they could have left it at “don’t sell anything illegal” without all the extra “brand damage” nonsense.
No, the rules don’t (that’s why it’s been fine for 7 years), and you used a derogatory term so cry harder about your downvotes.
please sir may I have another
It’s not even that vague.
Valve basically said: “we are not doing anything illegal”.
To which mastercard responded: “yeah but you’re making us look bad, so tough”.
Tl;dr: Mastercard says they didn’t “force” Valve to remove nsfw games. They just told them that if they didn’t remove the games that were complained about by Collective Shout, they’ll block them.
Couldn’t they just block collective shout thus probably losing far less business?
Unless MC and Visa are run by people who already agree with Collective Shout and are just using them as an excuse to enforce this policy.
Don’t they have shareholders though?
If they do, that includes them. Decision makers at all levels, nobody gets to say “hey I didn’t make Mastercard act this way.” Because the status quo would have been to carry on processing video game payments, even in the face of a minority faction like Collective Shout.
You’d expect them to put profits above this kind of petty consideration. That would only be valid if the company was owned by a fairly small group.
Mastercard? Yes, but then they’d have to admit that they were in the wrong, so it seems unlikely.
I can’t imagine, that the delisted games lacked “serious artistic value“.
Proof me wrong!
(Joke is, you can’t proof that in any way)
As Valve correctly points out, this is a blatant & outright lie. They have cut off any number of legal entities over pressure from politicians or groups. Now they have to own it.
I mean, their own Rule 5.12.7 has that “or” in it, which includes transactions that are fully lawful but “may damage the goodwill of the corporation”.
You will find such language pretty much everywhere. And there are reasons for it. A good example are certain drugs that are technically not illegal. Because they have not been officially classified yet.
That used to be a thing here in Sweden some time ago, where they’d just change some little compound and could technically, legally sell it online until it was deemed otherwise. Because it’s now technically a new formula. Once it was classified, they just repeated the proceas.
MasterCard might not want to be seen as an enabler in the drug trade. So while it’s technically legal. They don’t want anything to do with it. And would like the option to take action.
And according to the articles. It’s not MasterCard pointing to that regulation, but the processors. As MasterCard notes. They’re not a bank, they’re not processing your payment. They just provide the technology to do so.
Furthermore. I’m quite amazed that people seem to think Valve is this really good company that we can all trust and take their word on. Valve says one thing. MasterCard says another. I wouldn’t take either one of them on just their word. Better to take a step back, and see how it develops so you don’t make yourself a useful idiot.
This whole thing reads like a telephone game where nobody wants to take any responsibility.
they did the exact same thing in the porn industry. naturally Visa and MC didn’t communicate directly with the individual porn companies. So thats’ how places like CCBill and what have you took off. and then Visa and MC laid out their weird rules to CCBill who then passed it along to the individual companies.
Honestly, I don’t care if MasterCard doesn’t want to take responsibility. It was their rule and their intermediaries that caused the situation and they did not intervene when valve tried to reach out directly.
They are responsible through action or inaction, no matter how they try to deny it.
It seems like, if they’re publicly denying responsibility, Steam and Itch now have legal cover to restore everything.
I’m not a lawyer, etc. etc., but don’t public statements from these kinds of entities inform how these clauses can be enforced?
CollectiveShout did take responsibility & they’re Confirmed to be pedos, so what are we waiting for ?
At work when no one wants to pick up a task, I issue the “slopey shoulders” award.
I don’t think they realize how much worse their brands look now, after starting all this shit…
Does it really matter when you’re a duopoly and equally bad as one another?
Until they’re not, and any competition now has the NSFW and LGBT markets to themselves
Politics_IRL
I want to cancel ally visa and mastercard cards and never give them my business ever again after this
Amex is still reasonably good.
Amex charges up to 14% of every transaction. If a place takes it, they are almost always ripping you off.
Amex typically charges between 1.7 and 3.3%.
As someone who does not take amex they want to charge me between 7% and 14%. Maybe if I did more sales they would not charge as much, but the reason amex is not taken in as many places as mastercard or visa is the 7% to 14%.
Weird. All the info I can find shows a maximum merchant fee of 3.3% + $0.10 per transaction.
Even this article about the topic says the reason is because amex charges .5% - 1% more. Not 6-13% more.
Maybe it varies by country? Are you in NoAm or somewhere else?
I am in Canada, and amex is famous for charging way too much in merchant fees. They also charge it under a silly system based on the type of card used (the more “elite” the more the merchant pays).
This might just be my insomnia talking, but I thought a reasonable idea might be to call and reduce the available credit by however much is comfortable. For me, it would be fairly reasonable to reduce it by 50%. I assume they use some kind of magicians handshake to value their company based on how much potential credit is out there… Maybe it’d do nothing though. Anyone know?
I am not a financial guru so hopefully someone will correct me if I’m wrong about this, but your credit score is affected positively the more available credit you have. So by voluntarily lowering your available credit, you’re actually hurting yourself way more than the card companies. At least I think that’s how it works, or rather one of many factors.
That will also destroy your credit rating
This will do nothing except hurt your own credit score as your credit utilization will be higher
Oh shit, that’s an old school reference. Poor Mr. Cheeseface.
For those unfamiliar, this is from an old National Lampoons magazine.
A few years later, someone actually shot that dog.
Why are they lying? I don’t understand what it’s accomplishing. We all know they’re lying. That’s obvious from their statement here.
“Cryptocurrency is only a pyramid scheme and has no real utility!”
Cryptocurrency is a pyramid scheme and has no real utility.
Monero, a decentralized censorship proof cryptocurrency, has no real utility with regard to solving MasterCard’s censorship and only depends on a pyramid of investors to function at all? That is not my understanding.
Yes, most cryptos are treated like pump and dump scams. 99% of usage is like that. Absolutely does not change the underlying utility nor would I recommend “investing” in them.
Monero - the digital token with no real world value, yes. You don’t need crypto to fix this issue. Brazilians can use Pix and would not depend on MasterCard and Visa, and this includes everything from physical purchases to digital storefronts to paying in installments and more. All attached to currency that actually means something and zero crypto bros trying to pump the value up or down on their delusional subreddits.
Pix sounds trivially easy to censor, freeze, or control from the government’s perspective. Unless I’m missing something that makes it easier for the government to censor innocuous NSFW content. And we don’t have anything like it in the US so it’s useless to me.
Monero can be used immediately without storing a balance for longer than a few minutes, although a correlation attack would be trivial like that. But at best it is not subject to market whims any longer than you decide is necessary for your anonymity needs. It’s the perfect case for purchasing NSFW software, where you want the purchase private and uncensored even when it’s perfectly legal. That sounds like an incredible real world value, even after the crypto bros are long gone and the value dumps (imo) 99%. But it’s a tool that needs no real world value.
If the Brazilian government decided to go against the constitution to censor my online purchases like that, buying hentai games would be the least of my concerns. And then it wouldn’t matter if I’m using your fake crypto bro tokens or not.
Of course not. You live in a weird techno feudalism where the government can’t do anything because that’s socialism and the only solutions you trust are some random tech bro dependent crap like CashApp.
Yes, so you agree that Monero has value then, especially in countries like the US?
Nope, I’d rather use seashells than something like Monero. Crypto is got negative value, the time wasted hearing people like you preach about it is never going to be returned to my life.
Seashells would be an upgrade in a country like the US, but failures of your payment systems do not change anything for the inherent value of random online tokens.
Its used like one.
afaik the least pyramid scheme crypto coin is monero, bitcoin is used almost purely as a speculative asset which is just sad
Bitcoin does have some more utility based proposals but for the foreseeable future, I agree. Most cryptos are like that too.
It’s mostly used like that, but doesn’t mean it has no utility whatsoever.
The other 5% are used for drugs and other illegal stuff. So Yeah it is used for trading but 90% is just scam or investment
Source?
I feel like a strict reading of this rule would also put a lot of fighting games, shooters, horror games etc in the not approved category
it would put circumcision too, but the USA doesn’t care
Right now in Rimworld I am sending child soldiers to bring more ammo to the mortars that are busy pounding away at some primitive tribesmen that are angry at me for dumping a few tons of toxic waste on their home or something.
Those that survive the mortar bombardment will be lobotomised and enslaved. If they have enough limbs remaining to be useful to me I will probably use a few of them as slaves and the rest will be sold to the empire. Any that the empire don’t want will be harvested for organs and dumped in a corpse pit.
I didn’t ask if the tribesmen consented to any of this.
Is there really a game that allows you to do all that??!!
Absolutely and more! We also have psychic powers, murder robots, friendly murder robots, vampires, genetic engineering, organized religion, semi-sentient plants, space ships, cannibals, space drugs, drugs in space, rabid woodland critters, eldritch horrors beyond comprehension, giant bugs, orbital bombardments, and also the looming threat of starvation as you watch all that you built burn. That’s all before we talk about things that the modding community has brought to the game.
To be clear, the RimWorld doesn’t force you into any one play style, and most of the things listed above can be disabled or avoided if that’s not your jam. At its core the game is trying to tell a story, it’s up to the player to help shape that story. It’s absolutely fantastic; quite literally the best $30 I’ve ever spent on a game (if we’re talking hours played, I’m just about to turn the corner on 2,000 hours (in the spirit of disclosure, a chunk of that is also spent making mods for the game)).
Honestly, that’s pretty tame for Rimworld.
I keep trying to learn rimworld. I drop out of most tutorials some time after building a refrigerator. Any recommendations on how to get further along? This is a game I’ll love once I know it but I’m not there yet.
Lower difficulty, in all present difficulty options the raid strength is determined largely based on your colony wealth. If you have massive towers of gold then expect big raids.
Even flooring adds up to wealth, massive rooms with carpets can become a non insignificant value. This isn’t to say don’t build them, but you should make sure a reasonable amount of your total wealth is invested into warfare. It can be quite easy to hoard things that are useless to you but have a fair bit of value to them.
I didn’t know that. Thank you!
Do the relaxed scenario girl and a lower difficulty for an easier time. Drop in a year round grow area, and mountainous area to mine a base into the mountain.
Thanks for the tips. I have been using that storyteller and easy mode but picking a random temperate forest.
Mutilation seems to imply more than just violence or killing. For example, Days Gone has a scene very early that involves flaying someone’s skin off, I would imagine that type of stuff would qualify.
Wouldn’t that have artistic value? Since that adds to the story.
They didnt have to show it so explicitly, although I’m not sure simply implying mutilation would qualify too.
Its hard to say what the right level of shock for that kind of thing is, it probably should just be restricted to adults only.
That’s the thing, who defines what artistic value is? I’ve seen some pretty creative pornography over the years. Is that artistic value? I’ve seen very creative depictions of violence and uses of profanity too. What about on the other end of the spectrum, Is Tetris have artistic value?
I think pornography is an “art” the same way gastronomy is an “art”. Both serve a simple function: one to arouse you, the other to be enjoyable food to eat.
I think the more general definition of art is something that generates more complex emotions and thoughts.
Tetris is artsy as shit, especially with that kickass score, Korobeiniki.
For a better example, maybe contrast it against the more generic marvel movies.
I was trying to keep it limited to gaming and Tetris was the most basic one that came to mind. How about Pong?
Also not knocking these games at all. Just trying to make a point.
That’s true but anyone agaimt its inclusion would just say it doesn’t add to the story. “Clearly it detracts from the story, as the player would be distracted by the horrific event instead of enjoying the game” -some hypothetical mastercard Exec, right before fining Valve.
It’s not a court, so there’s no appeal from that, unless there’s an appeal granted by the contract itself.
Oh did you not read the years and years of actions religious groups did to snuff games and movies?
Mortal Kombat is gone.
Diablo 2, corpse explosion!
Rust, just rust in general.
All action movies should removed from streaming.
I think some christian items could also be affected, like the bible. Cane and Able, crucifixion, etc are all in that book
Also incest
And circumcision of children.
Good vibes all around
No cell phone, no internet. Just people being people. Really living in the moment. Really knowing what its like to be human.
The good old days.
Also encouraging your neighbors to rape your own daughters instead of the visiting angels.
Lmao I really need to read the bible in full on day
If nobody takes responsibility, then they should all just agree that this was a big misunderstanding and reinstate the titty games.
Isn’t every game NSFW? Funny how language works.
Unless your work has been gamified. I play several games at work, one called Jira, another called GIT they aren’t super exciting but it’s a job.
Ironic though that gamification refers to features added to games to make them feel more like jobs (quotas, deadlines, milestones, certification etc).
Are you suggesting “professional gamer” is not a real/worthwhile job?
I only have about 20ish hours of work weekly and I’m on a hybrid schedule. My two days at home I’m essentially paid to game since I need to be available but don’t have anything to do. Am I a pro gamer now?
My first work from home job was a lot like that. My next two after that were only like that sometimes.
This same position in another company was a 60 hour job. They required all information to be shared in PowerPoint with images so I’d effectively spend 30 hours a week making presentations that lasted an hour or two at most, but could’ve been a chart in an email.
This spot started as 40 hours a week, but I automated most tasks and just don’t share the files and bi templates. They spend ten hours a week on a task I’ve automated to 30 minutes because their excel guru can’t figure out a formula I googled. They’re promoting me to a Sr. position with glowing reviews and I’ve never worked less in my life.
I think I did a whole 4 hours of work last week. Really pushing myself lately.
Dang, be sure not to overdo it. Don’t wanna burn out, y’know?
It’s like being a miner, the job isn’t safe for work
Don’t dig straight down