The major credit cards are essentially infrastructure, and really should not have the right to refuse to serve a lawful business.
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I sort of think that the only way to make visa/mastercard reverse course is to boycott the fuck out of them. Go back to using cash to make EVERY purchase. Purchase physical copies of games every time with cash. (I've been able to link games to my steam account purchased this way.) No longer buy skins and loot crates, and battle passes. Same goes with media. Go back to hard CDs for music/movies. Starve them of income any place you can, which would fuck with the business models of so many other companies that want your debit and cc on file for streaming services and subscriptions.
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.
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
How else are you supposed to buy something on Steam? You just listed every available option.