Question about Gambling websites with Curaçao license using incorrect Merchant Category code (sida 442)

Definitely telvon, kuanus LT, I am sure they are linked with payment gateway as statement is identical. they are two separate payments on bank statements

although evelon does keep appearing for both when I search

Just wanted to check if this response from hsbc r.e refusing chargebacks makes sense…

have reviewed our records and I note a letter was sent to you yesterday regarding your Visa Chargeback dispute.

This advises that after assessing this matter further under the Visa Rules and Regulations, we are unable to obtain reimbursement from the retailer’s bank. This decision was made due to payments being betting/gambling related and we do not have chargeback rights.

Hi no - it was Spinsy casino a the merchant was buton Nicosia - have you ever heard of them ?

I had a similar response originally from nationwide so I opened a complaint stating that I had used all available safeguards to protect myself however merchants miscoded payments to bypass the system.

Visa Chargeback Reason Code 12.7:Invalid Data

For the sake of simplicity and standardization, card networks like Visa have created a breakdown of the acceptable causes for a customer to dispute a credit card transaction by filing a chargeback. Each of these causes has a designated "reason code," and banks assign the appropriate code to each case to show the given reason for the chargeback.

That sounds simple enough, but the reality is, the given reason for a chargeback may or may not be the true reason. Plus, each card network has its own set of reason codes—which, while nearly the same in function, nevertheless differ from one another. Keeping track of all these codes, along with the best ways to either fight or prevent each one, is challenging.

With that in mind, let’s take a look at Visa Chargeback Reason Code 12.7: Invalid Data.

What is Visa Reason Code 12.7?

Chargeback reason code 12.7 is an updated version of legacy reason code 72 (condition 2), which was phased out under the Visa Claims Resolution initiative. This code applies when a transaction was authorized, but contained incorrect or invalid data.

That definition is pretty broad and vague on its own, though. It’s true that the code could technically apply to any incorrect usage of data. However, there are a few specific information points that most commonly result in a 12.7 code chargeback:

Incorrect transaction date

Incorrect MCC

Incorrect merchant or transaction type indicator

Incorrect country/state code

Incorrect "Special Condition" indicator

this was after I gave the reason that my transactions had the wrong MCC code.

im just shocked that this is what hsbc said.

were you successful in your complaint?

for a majority yes two providers counter claimed and bank have agreed to look into transfers too.

Vast amounts - from transaction location data to each transaction on the casino site. Pulsion are a registered processor of payments for the Casino group USoftGaming so it is a little different to some others like a dodgy Nigerian bookseller etc. They still applied the wrong MCC but it didn't matter as they had thrown so much proof back that I authorised each payment.

Anyone able to help?

And the email to the merchant companies is it all transaction info I've downloaded all my bank statements not sure if I should print the off to hide important details then take pictures before attaching in emails.

I've also read t&C's on betfoxx and came across this....i am excluded from gambling on gamcare/gamstop is this important?

help@echosyntex.com

Found this on FOS website so these merchant transactions surely come under these two statements.....

Det finns många saker som kan tolkas in i detta, men jag håller inte med.

Vi skrev in uppgifterna frivilligt och såg oftast vart betalningarna tog vägen innan de godkändes. I några få sällsynta fall skrev handlarna in uppgifterna på något sätt via en terminal, så jag håller med dig där.

My ones were all blocked by the bank then they used my details to use the card but I verified them as desperate at the time to gamble

Anyone on tonight?

Do you need help with something, did you see the email address I sent you for echosyntex?

Yes thank you.

I'm just unsure of the process,do I send an email to the merchant ie echosyntex or pixeleum asking for a refund? Do I put all the dates and amounts of transactions in said email or do I need to send bank statements?

Other issue Starling cancelled my card (it had all the pixeleum transactions) my biggest merchant they sent a new one.

Any help in this process wold be appreciated, I have 133 transactions with pixeleum, 77 with finnart, and loads of others but those 2 merchants alone would be worth 11k in refunds.

My advice is write yourself a template letter that you can send to all the merchants - just change the details ie amounts.

Id just get the emails sent asap, for the first one something like… iv never received any goods or services from you yet you’ve debite (amount) From my card ending (****) I have never received any receipt from you for my supposed purchase. You could add that they are working with illegal casinos and using incorrect MCC. There is some templates on here if you have a search but I wouldn’t copy and paste as they’ll know your using a template.

I don’t have any experience with the other two merchants you’ve mentioned but echosyntex refunded the day after I sent rhem the first email. If the other merchants don’t respond/refund it’s proof to your bank that you’ve complained to them before you raise a chargeback if that’s the route you choose to go

Thank you I appreciate it. When I say about the transactions will I just put in the number of transactions and total amount ie 132 transactions totalling £7800

Yea that will be fine. Some merchants want more details ie date time of them all but for the initial email id just put the basics

Il get it done now. Thanks for your help