Question about Gambling websites with Curaçao license using incorrect Merchant Category code (sida 1 543)

Do you still have their sort code and account number on your transfers on bank? Mine save automatically.

i searched the sort code online to banking circle and they told me Passpoint was ivy pay. When I asked banking circle for dsar I had a few with Kryptonim also through ivy pay. Only a couple so I never bothered emailing for them but received all other refunds

My reply pending review. Hate when that happens

yeah it’s so annoying. winding me up like crazy

my email is xkboii21@gmail.com if you could email me on their it would really help me out. if you could provide like a template of what you said and when, did you threaten any legal bodies etc. I really appreciate this thank you so much

that’s really useful thank you so much - would you mind sending me an email template with what you said to ivy pay in order to get refunds if they don’t reply today, their last day to respond to my form is today (15 working days). Did you fill in any forms at all for them?

Just out right now I will email u later. They sent forms the. I wrote them a long ass email and told them why I wasn’t filling them in and received refunds

oh brilliant. I’ve already filled the forms in for like 30 transactions but i have another like 40 with a much larger sum elsewhere. Good to know Passpoint and kryptonim are both IVYPAY though. Do you think i should consolidate the claim on multiple cards into one dispute with them? or keep them separate? Really appreciate the help. No rush btw they have all day today to reply but for some reason i’m doubting they will

Sorry I don’t like using my actual email as it says my real name in it.

i would add all your IBANs that have been used at ivy.

ivy DONT use card payments it’s just direct bank payments.

i will copy and paste some emails on here and hopefully they won’t go to pending

Please don’t apologise! thanks so much for your help

I’ve noticed this too, and, to be honest, I think the merchant’s name might be making things unnecessarily complicated. When a gambling-related transaction appears on a bank statement under the name of a completely unrelated company, it’s far from obvious what the payment was actually for. I’m not sure if every instance means that the casino is deliberately trying to circumvent restrictions, as payment processors may be involved, but I believe there should be greater transparency. At the very least, the player should be able to clearly identify exactly who processed the payment and what type of transaction it was.

Dear Sir/Madam,

I am writing to formally raise a serious complaint regarding bank transfers taken from my account in connection with Instaspin.com, which were processed via PASSPOINT Sp. z o.o., reportedly banking with Banking Circle.

Following extensive research into the entity that received my funds, I have identified significant regulatory and compliance concerns that call into question the legitimacy of these transactions.

PASSPOINT Sp. z o.o. is registered in Poland under PKD classification 64.99.Z ("other financial service activities"). However, this classification is extremely broad and does not constitute a licence to provide regulated payment services. It merely describes the type of activity the company declares.

In Poland, any entity operating as a payment service provider (PSP) must be authorised or registered with the Polish Financial Supervision Authority (KNF), typically as a:

National Payment Institution (KIP), or

Small Payment Institution (MIP)

If a company is not listed within KNF registers, it is not authorised to provide regulated payment services. Based on available information, there is no clear evidence that PASSPOINT Sp. z o.o. holds such authorisation.

Furthermore, the situation is significantly more serious given that these payments are linked to gambling activity. Poland enforces strict gambling regulations under the Polish Gambling Act, and payment providers are expected to:

Block transactions related to unlicensed gambling operators

Not facilitate offshore or unregulated gambling services

The operator in question appears to be licensed in Anjouan (Comoros), a jurisdiction which is not recognised within the UK or EU regulatory frameworks. As such, a properly regulated Polish PSP should not be facilitating these transactions.

Based on these findings, 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 the use of incorrect Merchant Category Codes (MCCs), which may have disguised the true nature of the payments

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

Given the above, I formally demand:

A full and immediate refund of all payments processed via PASSPOINT Sp. z o.o. in relation to Instaspin.com

Full disclosure of the legal and regulatory basis under which these transactions were processed

Confirmation of PASSPOINT’s regulatory status and authority to act as a payment intermediary in this context

If this matter is not resolved promptly, I will have no hesitation in escalating complaints to the appropriate regulatory and enforcement authorities, including:

The Polish Financial Supervision Authority (KNF)

Relevant UK financial and consumer protection bodies

Authorities overseeing the Anjouan licensing framework

I expect an urgent response confirming that my funds will be returned without delay.

Yours faithfully,

Iv added a reply before this one which is pending

I found out that Segopay used Yapily for their systems, so now i’ve emailed yapily about segopay 👍🏻

okay great. thank you so much. how long did it take for them to refund?

They refunded me straight away within 24 hours for Passpoint. They also refunded me hashtrix too. After I recieved refunds I shared on here and now more and more people are emailing so maybe there is a delay ect

sorry to be a pain. was this through compliance-requests@getivy.io email?

Yes that’s the email

How did you get this info?

Google 🤩