[altairprime]

Those are valid facts, but this is missing an underlying point: HN’s community is not concerned about this form of discrimination, so each time it crosses the front page, we see lots of threads about deregulation but few about the spectre of ethics raised by these acts. Ethics aren’t typically in-scope for HN unless the party harmed is either a for-profit corporation or a tech worker; since HN doesn’t as a community tend to openly self-identify with the fields of sex work, the ethical issues here are effectively out of scope here. One can imagine a different HN that gave the ethical threats to Others as much airtime as it gives to ethical threats to Self. I remain hopeful.

[tptacek]

Lots of products have the same fraud/chargeback dynamics are are similar disfavored by payment processors.

[altairprime]

If only all moral objections had such plausible-deniability ready to promote disregarding them, we’d never have to teach or debate morality and ethical practices in tech at all! Fortunately, the core debate — should payment processors be required to provide service so long as the operator is cooperative with escrow and other such ‘avoid money going out the door fraudulently’ restrictions on high-chargeback enterprises? — remains a ‘brass ring’ desirable outcome of techno-libertarians and so the issue continues be fought about. (Even if it’s only indirectly a morality debate over sex products.)

[tptacek]

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.

[TimorousBestie]

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

[rahidz]

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).

[TimorousBestie]

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

[tptacek]

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

[TimorousBestie]

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.