Question about Gambling websites with Curaçao license using incorrect Merchant Category code (sida 101)

Leverantörerna är skyddade av Visa/MasterCards riktlinjer, det känns som att VISA/MasterCards riktlinjer står över lagen. Som konsument är du skruvad, leverantörerna kan tvätta pengar nästan utan problem.

I Tyskland är kreditkortsbetalningar särskilt skyddade. Auktoriserade transaktioner ersätts endast under vissa förutsättningar. Banker återbetalar mycket sällan en sådan säker transaktion eftersom banken är ansvarig om motståndaren vinner återkravet. Därför krediteras pengarna vanligtvis inte eller så inväntas resultatet av återkravet.

Om en transaktion inte skyddas av 3DS är handlaren ansvarig. När jag läser att någon har auktoriserat mer än 40 transaktioner är det tydligt varför bankerna inte reagerar. Att kontrollera och klaga på 40 transaktioner i MasterCard-systemet är komplext och tidskrävande.

Bankerna anser att betalningen är auktoriserad; dessutom har personen fått något tillbaka, även om kortet visar något annat. Det finns inga bevis i form av fakturor, så det är omöjligt att initiera en återbetalning. Från och med nu borde alla förstå vad det här handlar om.

Men på vilka grunder menar du att du skulle få tillbaka pengarna? Casinot kan ju inte veta att du är spelberoende, om du inte meddelat dem det. Så följdfrågan blir ju också -vad försökte du polisanmäla dem för? Och till sist -på vilka grunder begärde du en charge back från banken/vad uppgav du för anledning?

It's not about whether you have been addicted to gambling or not. It is a technicality in essence - the merchant is deliberately obscuring a transaction type to be retail when in fact it is a very high risk gambling transaction. This is a direct contravention of the rules set by Mastercard/Visa. It is also grounds for a player to say the merchant is not recognised and ask for a refund.

It is also grounds for a player to say the merchant is not recognised and ask for a refund.

However, the transaction was usually verified by the banking app, so the banks take this as recognition of the transaction. If you play at 123 Casino and see something else on the app when confirming, you would have to decline.

Doesn't really matter tbh. If you can show you did not receive anything from the merchant then that's pretty much good enough. Getting banks to understand what is happening is the toughest part.

Have 2 pending with Musicreverb...will let you know how it goes

Received this email when questioning goldenbet. Is this lies?

It's not lies. The third party payment processor is the one that needs to be taken to task. The casino won't give you any refund. You need to see what the amounts have come off as on your statements and find the 'merchant' if they exist, then you can build a case with your bank.

I have found the merchant on company house which is a photocopy company based in London?

Niko*FAQSOLUTIONS

Try and make contact with them mate. I can almost guarantee they won't have a clue, but you can then use that as evidence.

Unfortunately I've looked into and the company exists on paper but has no contact details. I have raised a chargeback with my bank on hope, the company it takes you to on company house is a photocopy company b6 description but with no contact detaila

Good luck mate, hoping it works. They will see it is clearly not coded as gambling.

Thanks very much, yeah I've sent the what evidence I have of the transactions with photos of the company number etc. to me it looks like a fake company was set up for this specific purpose, not sure if I'm overthinking though haha

Similar to cards, open banking transactions such as Trustly needs and should be processed with specific code, I think for open banking it was PCC 26 or something.

But, as with cards, there is of course ways to bypass this as many casinos will do.

Latest ones I have found are PayOp and PayDo...used by Santeda Group for all sorts of deposits from cards to neosurf vouchers! Will contact both payment providers and see what happens.

I'm on them at the moment and a few weird emails have been received for payment cancellations so will wait and see their final responses.

Just that there was potential payment fraud and they said they would investigate. Now have several automated emails through...but need to wait and see