it's not offtopic at all. visa and mastercard are middlemen in the transaction between two parties. the comment is about middlemen and suggests they don't add value.
replyedit: just seeing now you're complaining about things being offtopic multiple times in this submission, without ever adding anything yourself. perhaps you could be part of the change you wish to see?
Comments that are not about TFA, which is about specific litigation, but just random opinions about "payment processors" are off topic. I came here to read comments about TFA and had to wade through a lot of other stuff to find any ... again, this is typical of HN where so many people don't bother to read TFA.
replySince this exchange isn't of relevance, I won't respond further.