Question about Gambling websites with Curaçao license using incorrect Merchant Category code (side 101)

Udbyderne er beskyttet af Visa / MasterCard retningslinjerne, det føles som om VISA / MasterCard retningslinjerne er hævet over loven. Som forbruger er du skruet sammen, udbyderne kan hvidvaske penge næsten uden problemer.

I Tyskland er kreditkortbetalinger særligt beskyttet. Autoriserede transaktioner erstattes kun under visse betingelser. Banker refunderer meget sjældent en sådan sikret transaktion, fordi banken er ansvarlig, hvis modstanderen vinder tilbageførslen. Derfor krediteres midlerne normalt ikke, eller resultatet af tilbageførslen afventes.

Hvis en transaktion ikke er beskyttet af 3DS, er forretningen ansvarlig. Når jeg læser, at nogen har godkendt mere end 40 transaktioner, er det tydeligt, hvorfor bankerne ikke reagerer. At tjekke og klage over 40 transaktioner i MasterCard-systemet er komplekst og tidskrævende.

Bankerne mener, at betalingen er godkendt; desuden har personen fået noget tilbage, selvom kortet viser noget andet. Der er ingen beviser i form af fakturaer, så det er umuligt at iværksætte en tilbageførsel. Fra dette tidspunkt af bør alle forstå, hvad det handler om.

Men på hvilket grundlag mener du, at du ville få pengene tilbage? Kasinoet kan ikke vide, at du er afhængig af spil, hvis du ikke har fortalt dem det. Så opfølgningsspørgsmålet er også - hvad forsøgte du at melde dem til politiet for? Og endelig - på hvilket grundlag anmodede du om en tilbageførsel fra banken/hvilken årsag har du givet?

It's not about whether you have been addicted to gambling or not. It is a technicality in essence - the merchant is deliberately obscuring a transaction type to be retail when in fact it is a very high risk gambling transaction. This is a direct contravention of the rules set by Mastercard/Visa. It is also grounds for a player to say the merchant is not recognised and ask for a refund.

It is also grounds for a player to say the merchant is not recognised and ask for a refund.

However, the transaction was usually verified by the banking app, so the banks take this as recognition of the transaction. If you play at 123 Casino and see something else on the app when confirming, you would have to decline.

Doesn't really matter tbh. If you can show you did not receive anything from the merchant then that's pretty much good enough. Getting banks to understand what is happening is the toughest part.

Have 2 pending with Musicreverb...will let you know how it goes

Received this email when questioning goldenbet. Is this lies?

It's not lies. The third party payment processor is the one that needs to be taken to task. The casino won't give you any refund. You need to see what the amounts have come off as on your statements and find the 'merchant' if they exist, then you can build a case with your bank.

I have found the merchant on company house which is a photocopy company based in London?

Niko*FAQSOLUTIONS

Try and make contact with them mate. I can almost guarantee they won't have a clue, but you can then use that as evidence.

Unfortunately I've looked into and the company exists on paper but has no contact details. I have raised a chargeback with my bank on hope, the company it takes you to on company house is a photocopy company b6 description but with no contact detaila

Good luck mate, hoping it works. They will see it is clearly not coded as gambling.

Thanks very much, yeah I've sent the what evidence I have of the transactions with photos of the company number etc. to me it looks like a fake company was set up for this specific purpose, not sure if I'm overthinking though haha

Similar to cards, open banking transactions such as Trustly needs and should be processed with specific code, I think for open banking it was PCC 26 or something.

But, as with cards, there is of course ways to bypass this as many casinos will do.

Latest ones I have found are PayOp and PayDo...used by Santeda Group for all sorts of deposits from cards to neosurf vouchers! Will contact both payment providers and see what happens.

I'm on them at the moment and a few weird emails have been received for payment cancellations so will wait and see their final responses.

Just that there was potential payment fraud and they said they would investigate. Now have several automated emails through...but need to wait and see