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.
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
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.
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.
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.
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.
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.
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.
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.
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,
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.
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.
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.
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.
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
JCB?
Discover has an alliance with JCB. So that’s just Discover in the USA.
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.
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.
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