Yes lol rather likely.


There's very little in this for steam to risk all of their dough for... a couple of very badly put together indie projects?
Not happening.

Hear me out this is going to sound crazy it seems like the best people to take on the Payment processers like Visa and MasterCard.
Might be Epic Game studio.
I know it sounds crazy. But remember Epic went after Google and Apple.
Accusing both platforms of being a duopoly. in their respective App store. And how it force users to pay 30% over all in app purchases.
If your not familiar here a breakdown by ChatGPT.
"
Epic Games sued both Apple and Google over what it claimed were monopolistic practices in their respective app stores—mainly related to in-app purchase restrictions, payment processor control, and app distribution monopolies. Here’s a breakdown of why they sued, what happened, and the outcomes for each case:
---
WHY DID EPIC GAMES SUE APPLE & GOOGLE?
1. In-App Payment Restrictions
Both Apple and Google required all in-app purchases to go through their own payment systems, where they took a 30% commission.
Epic added a direct payment method in Fortnite to bypass those fees.
Apple and Google removed Fortnite from their stores in response.
Epic sued immediately after, claiming monopolistic abuse of power.
2. Monopoly Allegations
Epic argued Apple and Google had a duopoly on mobile platforms:
Apple: Complete control over iOS apps.
Google: Allegedly hindered third-party app stores despite Android being "open."
3. App Store Control
Apple does not allow third-party app stores or sideloading.
Google does technically allow sideloading, but Epic claimed Google pressured OEMs and partners not to allow other stores (like Epic's own).
---
⚖ OUTCOME OF EPIC VS. APPLE
Trial: 2021 (California)
Epic lost most of its claims in the 2021 ruling.
The judge ruled that:
Apple is not a monopoly under antitrust law.
Epic breached its contract by trying to bypass Apple’s payment system.
Apple had some anti-competitive practices, particularly in blocking alternative payment methods.
✅ What Epic Won:
The judge issued a permanent injunction forcing Apple to allow developers to link to outside payment options in their apps.
Apple can no longer ban buttons or links to outside purchases, but can still charge commission in some cases.
❌ What Epic Lost:
No requirement for Apple to allow alternative app stores.
No ruling that Apple must allow full sideloading or competing app marketplaces.
Epic had to pay damages to Apple (30% of the money Fortnite earned via direct payments before removal).
Appeals:
Both sides appealed the ruling.
In 2023, the appeals court largely upheld the original decision.
The U.S. Supreme Court declined to hear further appeals in 2024.
Final result: Apple keeps control of the App Store, but must allow external payment links.
---
⚖ OUTCOME OF EPIC VS. GOOGLE
Trial: Late 2023 – California Jury Trial
Unlike the Apple case, Epic won against Google.
✅ What Epic Won:
The jury found that Google:
Maintained an illegal monopoly over app distribution and in-app billing on Android.
Engaged in anti-competitive conduct, including deals to suppress competition.
Was guilty of entering into side deals with major developers (like Netflix) to keep them in the Play Store.
❌ What Google Lost:
The court ruled that the Play Store practices violated U.S. antitrust law.
In 2024, the judge issued an order forcing Google to:
Allow alternative app stores and third-party billing.
Loosen restrictions on sideloading and pre-installed competing stores.
Google may still collect service fees, but can't mandate Play Billing as the only option.
Appeals:
Google is currently appealing the decision.
As of 2025, the remedy is being implemented, but some portions are on hold pending appeal.
---
BOTTOM LINE
Company Sued Final Verdict Epic's Gain Epic's Loss
Apple ❌ Mostly Lost Allowed to link to outside payments No third-party stores or sideloading
Google ✅ Major Win Play Store must allow alternative billing & stores Still awaiting appeal outcome"
I then ask ChatGPT how can Epic case be use as an example against Visa/MasterCard.
And this is what it said.
"
Epic’s lawsuits against Apple and Google, while not directly aimed at Visa or MasterCard, set critical legal and strategic precedents that can be used to challenge the dominance of Visa and MasterCard in payment processing, particularly for controversial or restricted industries like adult content, indie games, crypto, or politically sensitive media.
Here’s a breakdown of how Epic’s cases can be used as a foundation to push back against Visa and MasterCard’s control:
---
⚖ 1. Legal Frameworks from Epic v. Apple/Google
Antitrust & Monopoly Claims
Epic argued that Apple and Google used their control over distribution (App Store / Play Store) and payments (IAP systems) to suppress competition.
This can mirror how Visa and MasterCard:
Dominate digital payments.
Control which content or industries are "allowed" to process payments.
Penalize or deplatform businesses that go against their “moral” or “reputational” guidelines.
Potential Strategy: Argue that Visa/MasterCard's behavior constitutes:
Abuse of market dominance.
Unfair restraint on trade.
Collusion with banks to suppress legal industries.
---
2. Forced Payment Channels = Anti-Competitive Behavior
Apple/Google:
Forced developers to use only their billing systems.
Took high cuts (30%) and blocked alternative payment methods.
Visa/MasterCard:
Act as gatekeepers for nearly all mainstream online payments.
Pressure banks and platforms to block services like adult content, crypto, or alternative processors.
Have penalized companies (e.g., Pornhub, adult Patreon creators) without court order, based only on internal policy.
Parallel Argument:
Just like Apple/Google forced developers into closed ecosystems, Visa/MasterCard force platforms into centralized, moralized, non-neutral financial pipelines.
Their ability to act as moral police over legal content could be challenged as anti-competitive behavior, especially if they work together or with banks to blacklist entire industries.
---
3. Market Power & Lack of Alternatives
Apple:
No sideloading = total control over app distribution.
Visa/MasterCard:
Together they represent over 90% of credit/debit payment rails globally.
Blockades from both make it nearly impossible to sell online to general audiences.
Argument Strategy:
Prove that no practical alternative exists when Visa & MasterCard deny access.
Show how their denial affects legal businesses in protected speech areas (art, sexuality, controversial media).
Push for regulation similar to net neutrality: financial services should be content-neutral.
---
⚔ 4. Epic’s Fight Highlights the Role of Direct Payment Access
Epic was forced to create its own store and use direct payment systems to avoid Apple/Google.
Visa/MasterCard block that same kind of independence in industries they dislike by threatening banks or flagging accounts.
Implication:
Direct payment access should be a protected right for legal businesses.
Financial gatekeeping becomes de facto censorship, just like Apple/Google's app restrictions were alleged to be.
---
5. Legal and Legislative Reform Pathways
Epic’s lawsuits made headlines and pushed courts and lawmakers to:
Re-examine platform control.
Propose Digital Market Acts in Europe and Open App Markets Acts in the U.S.
The same public pressure and legal reasoning could be used to demand:
Financial market neutrality.
Legal requirement for Visa/MasterCard to serve all legal businesses, or allow real competition.
Enable new fintech to rise without being blocked or de-banked by these two giants.
---
Summary Table
Issue Epic vs Apple/Google Potential Epic vs Visa/MasterCard Parallel
Platform monopoly App Store/Play Store control all access Visa/MasterCard dominate all card payments
Payment restriction Forced use of in-app billing Forced use of "approved" processors only
Alternative blockades No sideloading or stores Blocking adult or controversial industries across banks
Legal workaround Epic tried direct payment Adult devs try crypto or alt processors, often de-banked
Regulatory need Pushed Open App Markets Act Could push for Financial Neutrality Acts
---
Final Note
If a company, dev, or platform wanted to take on Visa/MasterCard, the Epic legal model is a blueprint:
Frame the issue as an antitrust and market access problem.
Gather evidence of collusion or industry suppression.
Show how it limits free enterprise and protected speech.
Use Epic’s wins and partial wins to build precedent.
Would you like a mock outline of what a lawsuit or campaign might look like against Visa/MasterCard from an adult game platform perspective?"