>>511322266 (OP)That list was made by someone from plebbit, so itโs trash.
To grasp how Mastercard and Visa enforce bans, you need to understand their process, hereโs how it works:
The jannies' corps:
There are legally independent companies (though de facto serving Mastercard/Visa) that employ people to secretly test stores by attempting to buy banned products.
The banned product is intended according to Visa/Mastercard policy.
But in reality, these companies decide at their own discretion what violates policies.
Favored companies get a pass; hostile companies are targeted until they bend the knee or are crippled in their way to conduct business.
In short, Visa/Mastercard literally deploy real-life jannies.
The Process:
The "janny" company verifies that a (online) store sells banned products, then reports it to the bank.
The bank is then the one tasked to force the stores to fix the issue, or face removal from SWIFT.
The bank will always choose to force the store to fix the problem or boot the store out. And the store will always try to fix the problem.
The catch is: at no point does the janny company explain to anyone how they evaluate if a product is in the banned category, they claim this is needed to avoid individuals getting creative to dodge their policy, in short is either comply or get kicked.
As no clear guidelines are given, stores have to basically guess every time they receive a request, and because this is clearly a problem, the store ends up making some kind of rule to preemptively avoid future troubles. de facto self-censorship.
This setup lets Mastercard/Visa legally deny censorship accusations, as the enforcement of censorship is outsourced to stores.
What happen if you don't comply:
In the past, they would kick you from using Mastercard/Visa, you could use niche payment processors, but not anymore. Now, they threaten SWIFT expulsion which is their proprietary network to transmit encrypted financial transactions. you cannot trade without.
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