Steam Censoring UK Subscribers Who Have Debit But Not Credit Cards
I have been a subscriber to Steam continuously for over 14 years. And guess what? I WAS NOT 4 YEARS OLD when I started the subscription. I have been an adult for over 50 years. I do not have a credit card, I do not want a credit card. I am long retired and do not want any credit facilities.I could not now get, at my age, a credit card if I wanted one and I DO NOT WANT ONE. I use a debit card. That has been good enough for Steam to accept payment for over 620 games over the past 14 years.

I emailed Steam Support with a copy of my passport which clearly indicates that I am an adult. Their response:

"I understand where you are coming from.

For now, verification based on credit card ownership is the only path Steam offers for age verification under the OSA. As this is a new process, we are still gathering data on potential pain points for users and will take your feedback to the team. We are sorry for the inconvenience this new requirement is causing for you and the rest of our UK users.

More information on this process can be found in our FAQ: Age Assurance under the UK Online Safety Act

Steam Support
Lyk"

I am opposed to the overreach of the OSA which is authoritarianism that will fail to achieve its stated purpose of protecting children and is part of a current trend towards controlling the internet.

THAT IS BESIDES THE POINT!! There is nothing in the legislation that would require UK adults to possess a credit card. This is entirely Steam who clearly DO NOT UNDERSTAND that many UK citizens prefer to use a debit card. They should really have researched this properly before putting in place a policy that fails to understand the online payment methods of its UK subscribers.
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Steam can not use debit cards because anyone over 11 can get a debit card. However, credit cards are only given to people over 18.

Yes, it was lazy of Valve to only implement one system.

The more cynical would say it was deliberate. If they introduced facial recognition or something, the gamers would be up in arms about it. But if they implement a system that isn't very comprehensive, then they get gamers actually requesting other methods like facial recognition.

Anyway, Valve are listening, but it all comes down to money. If they lose a load of money using this system then they will implement another. And they may well tweak the system they have so that it works better.

One way or another, I am sure things will change.
eram 18 hours ago 
"we are still gathering data on potential pain points for users and will take your feedback to the team"
Originally posted by empiricist:
There is nothing in the legislation that would require UK adults to possess a credit card. This is entirely Steam who clearly DO NOT UNDERSTAND that many UK citizens prefer to use a debit card. They should really have researched this properly before putting in place a policy that fails to understand the online payment methods of its UK subscribers.
Your Ofcom's guidance to online retailers says that Debit cards are not a highly effective means to determine a user's age because the barrier to obtain one is far below the age of 18.

https://www.ofcom.org.uk/online-safety/illegal-and-harmful-content/age-assurance?url=https://www.ofcom.org.uk/online-safety/illegal-and-harmful-content/online-pornography
Last edited by rawWwRrr; 18 hours ago
Valve aren't censoring you. Your government is. If you don't want a credit card or can't get one, you'll have to wait for Valve to provide an alternative. In the meantime, complain to your local MP.
yeah, well add my f%kkiin pain to this, Steam.
I was 16 when Asteroids came out and I owned an original Pong games machine in my early teens.
Ask that prick Stazi Starmer to do the maths for you as to how old I am.

I am one of the 37% who doesn't or can't own a credit card because I AM NOT SOME RICH TW@ that's socially disconnected from reality. I don't even have a passport because I can't afford to travel.

I exist on a very small pension and in retirement, gaming, after many years of hard work and not having time, is my winter and time out pleasure.
Last edited by woodshed; 17 hours ago
I have to agree with the OP. I don't have a credit card either and have no intention on getting one and I certainly wouldn't want to leave the details with valve given how often organisations are hacked for this information.

My account is over sixteen years old and I didn't open it the second I was born. Any form of common sense would indicate that I am an adult and any account of a certain age should be exempt from this nonsense unless Valve thinks I opened an account here and started playing counter strike source when I was two weeks old.
Thread title: Steam Censoring UK Subscribers Who Have Debit But Not Credit Cards

Originally posted by empiricist:
I have been a subscriber to Steam continuously for over 14 years. And guess what? I WAS NOT 4 YEARS OLD when I started the subscription. I have been an adult for over 50 years.

Ofcom are the ones who require a credit card.

1) Age assurance methods – which include age verification, age estimation or a combination of both – must be ‘highly effective’ at correctly determining whether a particular user is a child.

2) They include: open banking, photo ID matching, facial age estimation, mobile network operator age checks, credit card checks, digital identity services and email-based age estimation;

Zero about the age of an account.

I could claim i am 65 years old.
Originally posted by 641989:
I have to agree with the OP. I don't have a credit card either and have no intention on getting one and I certainly wouldn't want to leave the details with valve given how often organisations are hacked for this information.

My account is over sixteen years old and I didn't open it the second I was born. Any form of common sense would indicate that I am an adult and any account of a certain age should be exempt from this nonsense unless Valve thinks I opened an account here and started playing counter strike source when I was two weeks old.

Or you bought an account.
I can't confirm but a lot of people are claiming that this is technically illegal as it's discriminatory against those who can't obtain credit cards (and anyone in a religion that forbids their use).
Originally posted by dgresevfan:
I can't confirm but a lot of people are claiming that this is technically illegal as it's discriminatory against those who can't obtain credit cards (and anyone in a religion that forbids their use).

Yeah, but that will just end with them removing the verification option.
Originally posted by dgresevfan:
I can't confirm but a lot of people are claiming that this is technically illegal as it's discriminatory against those who can't obtain credit cards (and anyone in a religion that forbids their use).
According to Ofcom, it is perfectly legal.
Originally posted by rawWwRrr:
Originally posted by dgresevfan:
I can't confirm but a lot of people are claiming that this is technically illegal as it's discriminatory against those who can't obtain credit cards (and anyone in a religion that forbids their use).
According to Ofcom, it is perfectly legal.

Yeah, but the courts will make that decision, not Ofcom. The underlying point is that 'not offering any age verification' is still an option.
Originally posted by dgresevfan:
I can't confirm but a lot of people are claiming that this is technically illegal as it's discriminatory against those who can't obtain credit cards (and anyone in a religion that forbids their use).

The system may be discriminatory toward people who don't have a credit card. Trick is, not all discrimination is illegal. After all, things costing money is discrimination against poor people. Somehow I don't think that argument is going to go anywhere.

And while the UK has anti-discrimination laws, those laws define who's protected, and what kinds of discrimination are illegal. Not having a credit card isn't likely to be a protected class. Some people who don't have one, could get one. Choosing not to get one and complaining isn't discrimination. You might as well claim that refusing to upgrade your system, and not meeting system requirements for newer games is discrimination. "I don't wanna" may not be a very strong legal argument.

As for people who can't get a credit card, Valve is not responsible for that. They're also not responsible for the UK law or the fact credit cards are an approved method of age verification. And trying to argue requiring a credit card is illegal doesn't take into account Valve could just not offer any age verification methods and exclude all UK users. Trying to invalidate something that doesn't immediately accommodate you may not force other options. It might result in no options. German users could tell you all about that.

Fortunately, people trying to shoot credit cards in the foot aren't likely to succeed, they're clueless and deluded.
Originally posted by 641989:
My account is over sixteen years old

That's nice. But account age has no correlation to YOUR age. Ofcom doesn't care about your account age. They care about YOUR age.

For all anyone knows, you stole the account off of someone else, or you bought it, or you were given it by someone else. While all of these are against Valve's rules, they are also solid enough reasons for account age not to be factored. And if your account age was a determining factor, then it being less than 18 years means you'd still be barred from the content.

So, once again, if you don't like it, complain to your local MP.

Originally posted by dgresevfan:
I can't confirm but a lot of people are claiming that this is technically illegal as it's discriminatory against those who can't obtain credit cards (and anyone in a religion that forbids their use).

People who cannot get a credit card aren't a protected category of people. As such, no, it is not discrimination.
Last edited by Chika Ogiue; 12 hours ago
Originally posted by nullable:
Not having a credit card isn't likely to be a protected class. Some people who don't have one, could get one. Choosing not to get one and complaining isn't discrimination. You might as well claim that refusing to upgrade your system, and not meeting system requirements for newer games is discrimination. "I don't wanna" may not be a very strong legal argument.


I'm surprised the religious side doesn't come in here... I think it is true that Jews and Muslims are not allowed to engage in any activity involving lending or borrowing money where interest is involved. So they can't use a credit card.
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