I just wanted to point out a couple of things to help clarify lots of questions.
Monzo’s chargeback process (along with a few others) automatically raises chargebacks when you submit them, even before Monzo review. They then usually review and cancel them but that is why some merchants refund, because the chargeback request is started and goes to them before then being cancelled again.
mastercard have no functionality for chargebacks relating to gambling, it is clearly in their Ts & Cs. However, with Visa cards it isn’t as clear cut and you can sometimes raise chargebacks being completely honest with your bank but under miscoding rules - this doesn’t work with Mastercard. It’s therefore important to understand the differences between the types of cards you are using when attempting chargebacks.
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