Question about Gambling websites with Curaçao license using incorrect Merchant Category code (sida 1 384)

DO NOT COPY. Use your own words or they won’t refund **** email compliance-requests@getivy.io

Dear PASSPOINT Sp. z o.o. Compliance Team, 

I am writing to formally raise a complaint regarding instant bank transfer payments taken from my account in connection with , which were processed by and settled via banking infrastructure provided by Banking Circle. 

I have already contacted banking circle regarding these transactions, and they have provided me with your email address to contact you directly. Banking Circle is also aware of this complaint and the concerns I have raised regarding these payments. 

The total refund I am requesting is £742, made up of 17 separate transactions processed via IBAN GB******************

I remain extremely concerned by PASSPOINT Sp. z o.o.’s role in facilitating these payments. 

Following extensive research into your company, I have identified significant regulatory and compliance concerns. 

PASSPOINT Sp. z o.o. is registered in Poland under PKD classification 64.99.Z ("other financial service activities"). However, this classification is broad and does not itself constitute authorisation to provide regulated payment services. 

In Poland, any entity operating as a payment service provider (PSP) must generally be authorised or registered and typically as a: 

• National Payment Institution (KIP), or 

• Small Payment Institution (MIP) 

Based on available information, there is no clear evidence that PASSPOINT Sp. z o.o. holds such authorisation. 

Furthermore, the payments are linked to gambling activity. Poland enforces strict gambling laws, and payment providers are expected to block or prevent transactions involving unlicensed or offshore gambling operators. 

The operator in question appears to be licensed in a jurisdiction not recognised within the UK or EU regulatory framework. As such, a properly regulated PSP should not be facilitating these transactions. 

The following serious red flags arise: 

• No confirmed KNF authorisation as a payment institution 

• Lack of transparency regarding PASSPOINT’s role in processing these payments 

• Acting as an intermediary between myself and the gambling operator 

• Potential misclassification of transactions, including use of incorrect Merchant Category Codes (MCCs), disguising gambling-related payments 

• Potential breaches of anti-money laundering, fraud prevention, and transaction monitoring obligations 

These issues raise substantial concerns regarding regulatory breaches, consumer protection violations, and possible circumvention of financial safeguards. 

Given the above, I formally request that PASSPOINT Sp. z o.o. address the following: 

1. Confirm whether PASSPOINT Sp. z o.o. is authorised or registered with the KNF to provide payment services. 

2. Confirm the legal basis under which PASSPOINT Sp. z o.o. processed payments connected to Instaspin.com. 

3. Confirm what due diligence was carried out on Instaspin.com and its operators before processing payments. 

4. Confirm what action PASSPOINT Sp. z o.o. intends to take in relation to these concerns. 

5. Arrange a full refund of £742 relating to the 17 transactions processed through PASSPOINT Sp. z o.o.  

I expect this refund to be processed without delay. 

If this matter is not resolved promptly, I will escalate my complaint to the relevant authorities, including: 

• The Polish Financial Supervision Authority (KNF) 

• Relevant anti-money laundering and financial crime authorities 

• Relevant consumer protection bodies 

•Relevant authorities in Finland  

I expect an urgent response addressing these concerns, confirming what action PASSPOINT Sp. z o.o. will take, and confirming that my refund is being processed. 

Yours faithfully,

Iv replied it’s waiting to be approved

When it’s been approved ask chat gpt to rewrite it

Thank you I will do 😊

so you didn’t contact any company?

No

Hej, jag hittade just den här sidan och jag har många handlare på mitt kontoutdrag. Men det finns även uttag från casinot. Eftersom jag är spelberoende kommer jag förstås inte ihåg vad avgiften är för vilket casino och vilket casino jag har lyckats ta ut pengar från. Allt jag vet är att jag i princip har förlorat alla mina pengar.

Men problemet verkar vara att återbetalningar inte kan göras för betalningar om jag har lyckats ta ut pengar från casinot från dessa betalningar. Jag har kört fast, kan någon hjälpa till?

Do you remember some of the casinos you played? I always try to search for the real company behind them and the real owners.. and with the merchants there is a lot of info here! So you can always try to send them a email..

Tack.

Ja, jag kan hitta casinon i min e-post där jag har spelat, men nästa problem är att jag inte vet om jag också har tagit ut pengar från det casinot. Mitt kontoutdrag har många handlarnamn som också finns i den här tråden. Men jag vet inte om jag kan skicka dem en begäran om återbetalning, för om jag har tagit ut pengar från det casinot, är det inte olagligt?

Det här är svårt eftersom jag har spelat på så många ställen.

Can understand that.. if you send it to the real owner or the company or whatever behind them: if you have profit with them they 100000% will tell you

Anyone with merchant name ‘soft pulse solutions’ raise a dispute with your bank they may give you some money back - few of my mates have had success but not achieved the full amount but had some back, the money comes directly back from the merchant

Yes I have. Raised chargebacks through monzo account. Monzo declined however they were refunded by Atlverra.

My bank won’t chargeback k have emailed them but not reply

Are these SCUPDT?

Any one know who these are :

SCUPDT

AIART

Dirmenion LTD

Thanks 🙏

Is art solutions also AIART?

You mean Bab,London you got refund from Altverra ?

Has anyone managed to get a refund from BAB or know who they are?

Yeah understand that but how and why do you think Russia? What did you find? Uffff realy want to find them haha.

Im surmising as they always use telegram