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.
What I see is Mastercard hiding behind their generic rules for processors and being fine with the processors taking unilateral action that could damage their brand.
Mastercard should demand they rescind the decision based on a flawed interpretation of their rules since the content IS NOT ILLEGAL where Steam provides it, or drop those processors entirely due to the brand damage their unilateral decision has caused. If Mastercard lets this sit, that signals that they agree with this decision, regardless of what they say, and they should be treated as such.
Read mastercard’s actual rule that is literally in the OP. The processor’s interpretation isn’t flawed and in no way does Mastercard limit their rule to what is illegal.
The rule is so open ended and vague that it’s entirely on Mastercard (and Visa) that this shit happened.
It is intentionally vague, because companies want to be able to weasel out of any and all accountability whenever possible.
But Mastercard isn’t off the hook either way even if we accept the rules as they are currently. Before this incident, Mastercard has been starting to censor adult content in general with rules changes. To the point where there was already a petition on the ACLU site about this exact type of censorship.
https://action.aclu.org/petition/mastercard-sex-work-work-end-your-unjust-policy
Mastercard is trying to weasel their way out of this particular instance because they didn’t directly have a hand in this video game situation, even though they clearly would agree with it based on other recent changes. They’re trying to play both sides by assuming that people didn’t know they were already doing these things.
What I read is that it is not about illegal content. It is about the measures taken to prevent illegal content from being sold. It’s much more devious than simple censorship.