this post was submitted on 04 Aug 2025
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Discover is owned by Capital One now, who are arguably on shit stain par with MC/Visa.
Could you explain?
I've heard of years of examples of Visa/Mastercard DIRECTLY going after the Japanese Doujin market. Never have I heard of anything from Capitol One.
https://boundingintocomics.com/video-games/video-game-news/nier-creator-yoko-taro-voices-concern-over-rise-in-credit-card-companies-refusing-to-handle-adult-content-if-they-have-control-of-the-clearing-house-they-can-even-use-it-to-control-speech-in-o/
This isn't a new issue at all. I'm glad that the Internet suddenly cares about it but there's so much shallow shit and bad thinking right now I'm worried that this movement dissipates before any serious change happens.
But yes, please find me an example of Capitol One being a problem. I can mostly think of Visa, Mastercard issues with maybe one or two AmEx (but much more rarely and maybe those few exceptions AmEx had a point).
This is a payment processor issue. Not a bank issue. PayPal, Stripe and such are also issues, as well as Google Pay and Apple Pay in theory.
Not to say you're wrong (I seriously have no clue), but how many people in Japan use Capital One / AmEx tho? They might not put their nose where there's no volume either. For what it's worth, AmEx is often not accepted where I live. I wonder if it is the same over there?
Discover has an alliance with JCB, the #1 credit card of Japan. https://www.jcbusa.com/adding-jcb-card-acceptance/
And the reverse: https://www.discover.com/credit-cards/international-use/
Discover (mostly) works on JCB, and JCB (mostly) works on Discover terminals in USA.
This means that Discover is a 'guest' on Japan's credit card network. It's JCB that will have the main say of what is or isn't allowed in Japanese payments.
That's why I'm pretty sure Discover can't fuck around. They literally aren't powerful enough. JCB is the credit card power in Japan who is stronger than Discover. Even if they have Capitol One backing Discover now (and Diners Club International... And Pulse), Discover is too small to bully.
But the alliance system (JCB allowing Discover cards to work on most JCB terminals in the country) naturally allows Discover to still be used in the vast majority of Japanese transactions.
Discover has enough 'alliances' to be a card worth using. But also isn't big enough to bully like Mastercard or Visa. Maybe that changes in the future but today I think Discover is our best move at a reasonable alternative.