Question about Gambling websites with Curaçao license using incorrect Merchant Category code (side 1.590)

Yes, I’ve come across both tokdom and paypay as well. From the information I’ve received so far, they also appear to be connected to Xpate, although I’m still trying to identify the actual merchants behind the descriptors.

If I manage to get the MCC or merchant details from my bank, I’ll post them here.

Yes, I’ve had that happen in several Xpate chargebacks. In some cases, the documents they submitted contained information that didn’t match the transactions I was disputing. I pointed out the inconsistencies to my bank and challenged their response.

A few of those cases were eventually decided in my favour and the money was returned. I still have others pending, though, so it can take quite a long time.

Perfect, thanks. It’ll be interesting to compare what our banks provide for SIS Art Union and Horizon Land.

I’m particularly curious about the MCC and whether the same acquirer appears for both. If either of us gets confirmation that Xpate or another processor is involved, at least we’ll have something concrete to work with. I’ll update you when I hear back.

At least that first successful chargeback is a good sign. Hopefully the others follow the same way.

It’s disappointing that Walleto still isn’t giving you anything useful. Have they actually responded to the chargebacks themselves, or are the cases just progressing through your bank without any response from Walleto?

Thanks, that helps. I’ll focus on FOLVEX, SALDRO and PELVAN first then and ask my bank for the ARN, MCC and acquirer details to confirm the Xpate connection on my side as well.

If you happen to find anything on VELTOR, KREMIX, DARNIQ, QENTAR, MERVIK, NORTIQ or ZERMON, especially contact details, please let me know.

Absolutely, I’ll let you know as soon as I get anything concrete from the bank. Visual Mill is the one I’m struggling with most at the moment.

I’d also like to establish whether Visual Mill, XOR Visual Layer and Art Solution share the same acquirer or whether they only look related because of the way the descriptors are presented. Hopefully the MCC and Acquirer ID will make that clearer.

Will do. At this point I’m especially interested in whether anyone has actually managed to recover funds from Art Solution, XOR Visual Layer, Visual Mill or Hexo Land, either directly or through chargebacks.

Identifying the acquirer is useful, but ultimately I’d like to know which route has actually worked for people. If I get anything concrete from my bank or manage to recover any of these transactions, I’ll update the thread.

Sure, I will. I’m curious myself to see what Xpate actually provides under the GDPR request and whether they identify the merchant or just give basic transaction data.

If I get anything useful on tokdom or jusski6, especially an ARN, Acquirer ID/name or MCC, I’ll post it here as well.

Thanks, that makes sense. I’ll ask my bank for the full transaction data rather than relying on the descriptor alone.

Do you remember who the acquirer was for Art Solution in your case and which MCC was used? I’ve seen Cardaq mentioned in connection with Art Solution, so I’m trying to confirm whether my transactions show the same payment chain.

I’ll request the same information for XOR Visual Layer as well and compare the results.

Absolutely. If my bank provides the Acquirer ID/ICA, I’ll share it here along with the MCC and any other useful details.

I’m interested in calcal and jusdot5 as well. I already have indications that they’re connected to Xpate, but it would be useful to compare the Acquirer IDs and see whether they actually go through the same acquiring entity.

Fastcoin replied to me today saying they’ve asked the site to "remind" me of the deposits

I finally got a response from Fast coin today:

Again Nick, unfortunately nothing is coming up under this email

HAHAHA SAME

honestly such a joke isn’t it. Do they not keep a record of it? or do they just not want to admit it in writing

Get in Lad. Looking positive for the 1100£ rest of them.

Yeah haha

Ayeee. They declined my remaining 2 transactions today. Makes no sense!!

Hej,

Jeg giver lejlighedsvis undervisning i forbindelse med betalinger med åbent forbud:

Sikkerhedsepa:

Safersepa er Mandato; analyse af e-mailheaderen afslørede, at beskederne stammer fra en Mandato-server. Mandato ignorerer e-mails, men Safersepa svarer.

Impaya:

Ignorerede kommunikationen, men udstedte en refusion på vegne af casinoet.

Paydmeth / Paylink.com.ua:

Enhver, der har Paydmeth i deres HAR eller betalingshistorik, bør kontakte Digimeth; de har en portal.

portalt.paydmeth.com fører til Digimeth. Enhver, der ser FinAI på deres kontoudtog, er velkommen til at kontakte dem.

Begge involverede parter er begrænsede i deres kommunikation, blokerer alle forsøg på at kontakte dem og viser intet svar. Novapay spiller også en betydelig rolle, selvom de hævder at være uinvolverede. Uanset om det er en gateway, en indløser eller noget helt andet, ser betalingerne ud til at blive dirigeret frem og tilbage gennem 23 gateways – et klart eksempel på smart routing.

Aeropaylink er også paylink.com.ua 🙂

ISX Finansiel:

De slår sig sammen med Saltdege og Finorun; refusioner er meget mulige under højt pres.

Vedbend alias Augustus:

Passpoint er angiveligt ikke længere kunde, alle konti er lukket – hvem tror det? IVY optræder normalt i forbindelse med Yapily.

Perspektiv SAS:

Bag dette står Bridgeapi; du modtager en bekræftelsesbesked om, at klagen er modtaget, men du modtager ikke yderligere feedback. Der er tilsyneladende allerede i gang efterforskninger mod Perspecteev.

Det hjælper derfor, hvis alle, der har været i kontakt med de berørte personer, skriver en rapport til den relevante myndighed, så de endelig vågner op.

En ting mere, som jeg næsten glemte:

Enhver, der kontakter Astercard eller VISA for at finde indløseren:

Dette vil blive afvist. VISA og Mastercard er ikke forpligtet til at give oplysninger, da der ikke er nogen kontrakt med kortholderen. Kortholderen er forbundet med Visa og Mastercard gennem sin bank.

Indløseridentifikatoren videregives kun til banken. Selv hvis indløseren videregives, nægter de normalt at give yderligere oplysninger og siger: "Der er ingen kontrakt med dig som slutkunde; kontakt venligst banken."

For at komme til indløseren skal man indsende en sporingsanmodning via sin egen bank til Visa og Mastercard; nogle banker viger tilbage fra denne indsats.

Banker ser normalt det samme som dig: forhandlerens navn, dato og beløb. Og ARN'et. Banken skal derefter indsende sporingen ved hjælp af ARN'et. ARN'et udstedes af Mastercard og Visa for at spore betalingen inden for netværket, inklusive refusioner. Hvis indløseren modtager den, er det heldigt. Hvis indløseren svarer, er det heldigt.

Her er et par flere betalingsudbydere, der behandler betalinger:

Simpleracoin:

De svarede, at de ville udstede en refusion, men der kom intet. Tilbageførsel gennemført. Ifølge bankudtoget er Palwallet også involveret.

Kryptonim:

De udstedte refusioner i en periode, men stoppede, fordi det blev for hyppigt. Tilbageførsler var delvist vellykkede. I ét tilfælde indvilligede de i en refusion fra banken. Transaktionen fremgår af bankudtoget som KTM.

Segopay og lignende systemer er noget mere komplicerede. Det er mere indviklet. Det er et orkester med en indløserforbindelse.

Cardaq:

Der er en ombudsmandssag i gang, sandsynligvis med et negativt udfald, da der som beskrevet ovenfor ikke er nogen kontrakt med Cardaq. Detaljer tilbageholdes på grund af den verserende sag.

How can i get refunds from ISX financial. Also how can you chargeback open banking for kryptonim?. Please email me at xkboii21@gmail.com