Question about Gambling websites with Curaçao license using incorrect Merchant Category code (side 1.570)

No passpoint never did. Ivy contacted them and asked them to refund me

Did global stride refund you

yessir they did. was only a couple hundred though

Heyoo, just wondering if you ever learnt more about Bullvari Bridge Tech LTD?

Havde du held med Yapily? Jeg havde held med dem for 5 måneder siden og fik en stor refusion fra forhandleren. Jeg indgav en ny klage i går, lad os se, hvordan det går. Jeg har hørt, at de ikke er særlig hjælpsomme med at refundere penge.

They are now investigating all the stuff i’ve sent them, so lets hope so.. good luck! Happy to hear that they refunded you in the past

Thanks Iv emailed them

Tak også! Hvis du har noget imod det, så giv mig endelig besked, når du får opdateringer fra dem, så giver jeg dig besked!

Og jeg fik ikke refusioner direkte fra dem, men fra betalingsudbydere. Jeg sendte en GDPR-anmodning til Yapily og blev overrasket over, at GDPR-anmodningen indeholdt oplysninger om, at de havde kontaktet betalingsudbyderne med anmodning om afklaringer og givet svarfrister. Efter fristen kontaktede casinoet mig selv og refunderede pengene, og i et andet tilfælde kontaktede betalingsudbyderen mig og refunderede pengene.

I deres anmodning om afklaring understregede Yapily svar på deres x spørgsmål, og anmodningen om afklaring nævnte også, at vi anmoder om disse oplysninger for at fastslå, om vores tjeneste bruges korrekt. Hvis du allerede har foretaget en refusion til kunden, bedes du også fremvise en officiel kvittering/bekræftelse.

One of the banks was Revolut. I didn't submit everything as one large bulk claim though — I provided the transaction details and supporting information for the disputes.

If they've declined all of yours immediately, I'd ask them for the exact reason for the rejection. It might also be worth asking whether they can review the transactions individually, especially if it looks like the claims were rejected without considering the evidence.

Thanks, that's very clear and really helpful. I'll prepare everything as one package rather than going back and forth with Walleto.

I have quite a few transactions, so having one TRI per card will make things much easier. When Walleto refunded you, did they refund all the transactions listed on the TRI, or did they accept only some of them? Also, did they explain why they accepted or rejected particular transactions?

Thanks for the update. I don't blame you for needing a break after going through all of that!

It's useful to know that the DSAR gives enough information to match the entries back to the bank transactions. Does it show the ARN or any processor/acquirer references that make the matching easier? I'm mainly interested in whether it could help identify which of my unknown descriptors actually went through Walleto.

Thanks, that's helpful. At least it's good to know that some of the FASTVER chargebacks have already been successful. Hopefully the remaining ones will follow.

By the way, have you come across any of these descriptors in your transactions?

SIS Art Union

Horizon Land

Exist Sys

I'm still trying to identify who is behind them and whether any of them could also be connected to Xpate.

Got it. I’ll check what I can find. Do you have the full descriptor exactly as it appears on your bank statement, including any city or country? That might help identify the correct ZALO and possibly the processor behind the transaction.

I'm also looking for information on a few descriptors that seem very difficult to trace:

vercs2

calcal

jusdot5

tokdom

jusski6

paypay

I've seen suggestions that some of them may be connected to Xpate, but I haven't been able to verify this or find any reliable merchant contact details. Has anyone had these on their statement and managed to identify the actual merchant or processor?

Nothing confirmed yet. I had other similar-looking descriptors on my statements that my bank later linked to Xpate when I started filing chargebacks. That's why I thought these might be worth checking as well. I'm trying to get the ARN and acquirer details from my bank to confirm who actually processed them.

Sure, I will. I'm still looking into them and trying to get more transaction details from my bank. If I manage to confirm anything about ORENZA, TRAMIQ or their connection to Xpate, I'll post it here.

I'm particularly interested in finding information about these descriptors:

XOR Visual Layer

Art Solution

Visual Mill

Hexo Land

I have a large number of transactions under these names, so I'm trying to identify them properly before deciding what to do next. I haven't been able to find reliable contact details so far.

Has anyone managed to identify the actual merchants, their websites or email addresses? It would also be really helpful to know who processed/acquired these payments and whether there is any confirmed connection to Xpate.

Har nogen haft nogen kontakt med disse processorer/leverandører?

• ZWART FINANCIAL LTD
• Impaya Payments LTD
• iSX Penge
• Truenorth Payments Corp
• 1545832 BC LTD
• Pellopay Finance LTD

Jeg ville være meget taknemmelig, hvis nogen kunne hjælpe mig. Jeg har brug for at kontakte disse forhandlere hurtigst muligt.

did you have any with credit cards - one of mine defaulted me for gambling transactions even though i was 100% honest and said they were gambling and also they have no way to prove they were gambling as they were obviously miscoded and through shell merchants. I’ve raised a formal complaint but banks can be so damn stubborn

ISX money is likely ISX financial. FCA regulated in uk i think but still somehow manage to ignore people. I’m currently dealing with them and will let you know how it goes.