Question about Gambling websites with Curaçao license using incorrect Merchant Category code (sida 224)

Hasse vet du vilken merchant du använde för det bolaget chs top up? var det insättning på twin ? För jag har med deposit och några andra konstiga som är från twin.com

Well Im not bad when I put my mind to it 😂

Yes looks that way the start is the payment merchant then its their ref for the account I have not had a reply yet from them will give it time.

Feeling better now got the working day done a damn sight better than earlier anyway still sore to take !

I will try to call them tomorrow and see if i get any information.

Hey guys!

Has anyone had any luck with

Kess Innovation

Sobini

Monramp

Velox Solutions

Waterways Tours and Travel

80020003748803

Pth Jtstd

Onlinevouchercit

Boonisro.online

Perontaro.online

Struggling with these ones.

Ok Hans good idea !

Well I ended up playing again but won £1500 could have been down £8100 but got it down to £5800 which is still horrible but a bit better I have withdrawn it

I ask for a chargeback to the canapay, First they asked for photos of the payment statement from my bank and I sent them. Now I received this email. Will they make a refund? What do you think?

We have identified a transaction in our system - every precaution has been taken to now ensure your email address and card number are blocked throughout our system to prevent future transactions.

As all transactions made through Canapay are fully card-holder 3D secure authorised and BankID confirmed - this means you (the customer) were entirely aware and confirmed every transaction processed against your card. You have also openly agreed to doing this numerous times in your initial email to us, repeatedly over an extended period of time.

To continue - Issuing banks and acquirers require us to collect full KYC (know your customer) information, confirming your identity and that this email comes from a legitimate source before commencing fraud investigations. Send us the following:

A clear photo of the front and back of your National ID Card or Passport (picture page)

A photo/scan of your Proof of Address (utility bill, phone bill)

Failure to supply the above documents means we can NOT proceed. Once the above information has been provided, fraud investigators verify and screen your identity against formal government and fraud databases to confirm authenticity.

Once verified, we will launch an investigation into your claim for transactions you agreed and have personally verified through your banks 3DS challenge.

Regards,

Canapay

And I writhe a answer to the canapay

Hi there, 

As I mentioned in the first email correspondence, I did not purchase any service from you, I expect all the transfers in question to be refunded to me. Here is my ID card and a payment invoice with my adress. 

Sincerely 

I received chargeback ifrån Canapay. How much money are you waiting for?

Jag hoppas att de återbetalar dig 😎👍

It’s not much around 1400 euro

How long it takes for you ?

DEPOSIT , anyone knows email address?

Kinghill Casino refunded all of my deposits, around 1.1k.

here’s a template you can begin sending directly to the gambling sites:

‘Upon reviewing my recent bank statements, I have noticed discrepancies in the descriptors associated with the transactions which were completed . It appears that the descriptors are inaccurate and do not align with my legitimate transactions which has raised confusion and concern on my parts. 

I kindly request your prompt assistance in rectifying this matter and processing refunds for the transactions with false descriptors. 

I understand that errors can occur, and I appreciate your attention to resolving this matter promptly as these transactions were from a casino and have been illegally disguised for some reason.

As well as that, I have a gambling block on my account which this has failed to capture.

This practice, commonly referred to as "transaction laundering," is explicitly prohibited by both Mastercard and Visa regulations. According to Mastercard’s Chargeback Code 4840 ("Fraudulent Processing of Transactions"), this type of misrepresentation qualifies the transaction for a chargeback. Had the MCC been accurately set as a gambling-related transaction, it would have been blocked by the gambling restrictions applied to my account.

Additionally, Visa's rules on MCC misrepresentation fall under Chargeback Code 13.5, which also applies to cases where a merchant misclassifies a transaction to avoid legitimate restrictions. Both Visa and Mastercard’s rules are clear: merchants must use the correct MCC, and failure to do so opens them to chargeback claims.

Given the circumstances and the clear violation of Mastercard’s and Visa’s rules, I kindly request that you initiate a chargeback for the full amount of the disputed transactions:

-transaction 1

-transaction 2 etc"

this is both innocent and makes it clear to the bookmaker that you know the legalities

Hi Sky wow ok great letter did you ever make any withdrawals and was it straight forward after you sent the letter or was it hard work thanks Paul

Hi mate,

You heard anything back from you bank yet?

Hi Mate,

Nothing as of yet its been just over 5 days so will call them today to what's cracking i assume of it was rejected i would of heard by now surely.

Hi,

I had the exact same answer from them 14 days ago. Sent all the KYC and got an answer confirming they were recieved the documents the same day.

After that they stopped communicating with me. Heard nothing in 14 days today.

Made a "kortreklamation" with my bank 7 days ago(Swedbank). Havnt recieved any feedback from them either, but i suppose they have longer responsetime.

Can keep you updated if you find it interesting.

What date? It seems like they refunded early year and then stopped around june. They just asked for info and full ignored me at least in july. Was it still max@canapay.io responding?

I am also looking for what "DEPOSIT" Could be.

Yes, I received an email from the same person. I hope I get a refund.