Question about Gambling websites with Curaçao license using incorrect Merchant Category code (sida 1 437)

No refunds and same response as you

Hi , guys if anyome wrote to me and i havent got back apoligies i am receiving tons of messages and trying to get back to you all whilst also trying to keep track of who i havent respomded 2 😂

No worries! Thanks so much for your help. Do you know exactly how long usupport took to reply?

It was a couple of days

How long after they confirmed refund did it take to go in your bank please?

Hi , i think this depends on who you bank with i got notofications of my bank same day

Passpoint Sp Z oo is that ivypay?

Need help with Passpoint Sp also

Hi ok thanks. Bank with Starling. Hope it’s soon

Hi same here

The reply email saying they’d successfully initiated the refund was at 15:30pm yesterday

Har någon redan vidtagit rättsliga åtgärder mot Noda/Naudapay?

Kontakta mig snarast!

What contact do you have please for Passpoint and what did you say

passpoint are merchants of Ivy pay oy

compliance-requests@getivy.io

Thank you so much

Your welcome

Don’t copy it ask chat gpt to change it

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 GB40********

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 £££££ 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,

How long they take to reply/refund?

Iv been refunded by these before for RADOM PAY and it was like 4-5 days

You find any info?