Add EMI option for game purchases
As a regular gamer and Steam user, I’d like to suggest introducing an EMI (Equated Monthly Installment) payment option for premium and AAA titles. Many players, especially students and those from regions with a weaker currency, struggle to afford full-price games upfront. This often pushes them toward unauthorized or pirated sources, which isn’t ideal for anyone. By offering flexible payment plans, Steam could make high-quality games more accessible, reduce piracy, and build long-term loyalty among budget-conscious gamers. This small change could be a game-changer — for both users and developers.
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Showing 1-10 of 10 comments
The End 24 Jun @ 12:36am 
Originally posted by Killer Kitten:
As a regular gamer and Steam user, I’d like to suggest introducing an EMI (Equated Monthly Installment) payment option for premium and AAA titles. Many players, especially students and those from regions with a weaker currency, struggle to afford full-price games upfront.
Do like many others, save what you can for a few months, and when you have enough, buy the game you want.

Originally posted by Killer Kitten:
By offering flexible payment plans...
Valve is not a bank and they have to pay the developers/publishers.

I don't see Valve doing this anytime soon.
Last edited by The End; 24 Jun @ 12:38am
Ettanin 24 Jun @ 12:39am 
The best installment system is the piggy bank in your own home.
Valve will not take the risk of private bankruptcy and defaulting.
This just in...

A person has been nominated for the Noble Prize after they created away of getting something outside of their normal budget. They would put a portion of their money away each time they got paid. It doesn't matter where you save it, it could be in a bank account, have your mum save it or even stuffed in your mattress. It doesn't matter where you save it as eventually you'll have saved enough to buy what you want. This idea is going to change so many lives around the world.
Originally posted by Chronocide:
Devs need to charge less for their base game, that's the problem and the solution. If they can't figure out how to make that happen, then it's their sales.

People vote with their wallets, so we'll see...I don't think the $80 base game price is working out very well for most devs (it works well for the ones it works well for).

If anything, I think the value of newer PC games is going down. Meh, we'll see.

Anyone could lower the price of what they're selling, they could sell all games (or anything) for five quid each but at the end of the day if it doesn't cover the cost of production, the cost of living etc then it is simply not going to be made.

It isn't the developers fault the prices are how they are, it's the world economy, a natural progression throughout time where things have increased in price over time. Someone will be here in 50 years time saying the exact same thing because games are 135 quid being too much. My parents house cost 2,000 quid when I was a kid, now days it's 150,000 quid. You cannot build a house anymore for 2,000 quid.

I still remember my dad buying Atari games at 40/50 quid a pop back n the 80's, so to me game prices aren't that bad and if they are to pricey, then there's this other Noble Prize nominee who invented "Sales". :spazwinky:
Last edited by Piston Smashed™; 24 Jun @ 1:24am
The End 24 Jun @ 1:14am 
Originally posted by Chronocide:
Devs need to charge less for their base game, that's the problem and the solution.
You wait for the game to go on sale. That's the solution.
Deadoon 24 Jun @ 5:16am 
Buy now pay later addiction is a gateway to extreme debts. It's a bunch of tiny loans which accumulate over time and you will not be able to keep up with if you keep using. Just use a credit card, it's the same result really but it's one loan with a rolling balance instead.
Add a little to your steam wallet every month. Problem solved.

Steam isn't going to let people put a down-payment on a video game and let them play it before they've fully paid for it.

Too many people would pay like $5, speed through the game, and never finish paying it off.
Ettanin 24 Jun @ 5:23am 
imagine down payments on lootboxes and other in bulk extremely expensive in app purchases...

No, Valve shouldn't support these addictions.
Dude. I'm poor so I understand the struggle. But, this is not a viable solution. Just save up.
BJWyler 24 Jun @ 6:12am 
Originally posted by Chronocide:
Devs need to charge less for their base game, that's the problem and the solution. If they can't figure out how to make that happen, then it's their sales.

People vote with their wallets, so we'll see...I don't think the $80 base game price is working out very well for most devs (it works well for the ones it works well for).

If anything, I think the value of newer PC games is going down. Meh, we'll see.
How about you go to your boss and tell them that you are being paid too much and that they should lower your salary immediately.

Originally posted by Piston Smashed™:
Originally posted by Chronocide:
Devs need to charge less for their base game, that's the problem and the solution. If they can't figure out how to make that happen, then it's their sales.

People vote with their wallets, so we'll see...I don't think the $80 base game price is working out very well for most devs (it works well for the ones it works well for).

If anything, I think the value of newer PC games is going down. Meh, we'll see.

Anyone could lower the price of what they're selling, they could sell all games (or anything) for five quid each but at the end of the day if it doesn't cover the cost of production, the cost of living etc then it is simply not going to be made.

It isn't the developers fault the prices are how they are, it's the world economy, a natural progression throughout time where things have increased in price over time. Someone will be here in 50 years time saying the exact same thing because games are 135 quid being too much. My parents house cost 2,000 quid when I was a kid, now days it's 150,000 quid. You cannot build a house anymore for 2,000 quid.

I still remember my dad buying Atari games at 40/50 quid a pop back n the 80's, so to me game prices aren't that bad and if they are to pricey, then there's this other Noble Prize nominee who invented "Sales". :spazwinky:
I find it an endless source of amazement, the depths of which this entitlement goes, from the gaming community that developers should not be paid for the work they do in the creation of art in this non-essential luxury hobby.

No one is entitled to or has any basic right to access a video game.

If you live in a poor country, perhaps working to improve the situation should be your primary focus. And since you can already afford a computer with which to play games, it seems you are already better off than most.

Gas too expensive?
Eggs too expensive?
Rent or Mortgage too expensive?
Cost of underwear too expensive and going up?

OK. And what makes you think that devs are somehow magically immune to that and somehow don't need gas, eggs, a place to live or clothes?

It is simply mind-boggling, the complete lack of any intellectual thought in this matter.
Last edited by BJWyler; 24 Jun @ 6:12am
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