Question about Gambling websites with Curaçao license using incorrect Merchant Category code (side 1.663)

Incorrect mcc codes used. These merchants did not apply the correct code when processing this transactions to an offhshore casino. Revolut is a hit or miss if they raise the transactions to the merchant though.

Does anyone have any information on the payment processors whose ARN starts with 435082

Kind of, I know they are a polish acquirer for a fact. they’re a medium sized one on my BIN map. keep my posted if you find anything out

Yugo ("yugo.finance sofia") refund: €175.90 received

Three card payments to Yugo, a payment gateway that also markets to gaming operators, were refunded on 3 Nov. The descriptor gave no hint of gambling, and my bank coded them as non-gambling.

Timeline:

31 Aug: formal complaint by email, listing each payment with its date and amount

20 Sep: second complaint

12 Oct: final notice with a deadline

30 Oct: told them the deadline had passed

3 Nov: all three refunds arrived, with no reply email first

What worked: itemising every payment, keeping it polite and factual, setting firm deadlines, and offering a clean refund with no admission of liability.

Someone know which Payment proccesor is behind Viz1271.com or VIZ MEDIA /reafter.com ??

Ich habe cardaq eine email geschriewbn bzgl meiner zahlung nun habe ich diese Antwort erhalten.

Kann mir jemand helfen?

Hello,

Thank you for your request concerning access to your personal data.

We would like to clarify that Cardaq Limited acts exclusively as a technical infrastructure provider supporting payment processing systems. We do not act as a data controller and do not independently collect, store, or process personal data related to individual transactions. Therefore, we are unable to fulfill your request.

If you have concerns regarding a specific transaction, we recommend contacting your card issuer (the bank that issued your payment card). Your card issuer can provide you with transaction details available to them and, if necessary, liaise with the relevant parties involved in processing the transaction.

We trust this clarifies our position and provides you with the necessary guidance to obtain the information you seek.

Kind regards,

Cardaq Limited | the IXXOV Group

Authorised Electronic Money Institution FRN 900088

Principal Member of Visa | MasterCard | UnionPay for Issuing & Acquiring

Hey did you get anywhere with these

Yugo refunded me a few days after emailing them with no response or acknowledgement. First one I was successful with and surprised as over 2K.

fair enough. solid 2k recovery that. I guess they thought i’d give up on recovering the piddly 150£ which is why they left it. But i would not 😭

Wish all the others were as easy 😂

hahaha I know the feeling.

Kryptonim are a right joke. IVY don’t respond and neither to passpoint or PAYOP. These bank transfer ones are the worst

They really are. I've flagged Ivy to their regulators after ignoring my complaint. Also gone to token and rillpay to see what information they can share as part of the chain. Googlepay next. Might not get a refund but hopefully make it harder for these leeches to target vulnerable gambling addicts!! Grrr.

Hi everyone,

I made a deposit using Apple Pay, and the money was credited to my casino account without any issues. However, my bank statement shows two different merchant names: DIGIPAY2 and ORANEX24 (example names).

I played, won some money, and now the casino won't let me withdraw my winnings.

I've already completed the verification process, but they keep telling me that I need to use the same card I used for the original deposit. The problem is that I paid through Apple Pay.

Has anyone dealt with something like this before? How did you manage to get your winnings withdrawn?

Just curious, have you already received any ARNs from Cardaq or Xpate, or are you still waiting for their DSAR responses? And have you managed to identify any acquirers using this method so far?

for some yes for some no. Please can you not use AI for every message it makes you look like a bot. The more you look like a bot the less likely people are to be honest and respond to you

which casino was this?

Looks like it’s called PayU, as I did a BIN checker for ActualPlay, SKplayclick and PlayT with BIN code 498707

Hi, I’m trying to find contact details for these merchants:

VIANEXO

NOXTRADE

RIXVELT24

RONAPAY

I deposited quite a large amount through them, but the service/conditions promised at registration were not fulfilled.

I’m trying to contact the merchants directly before taking this any further. Has anyone come across these descriptors before or knows any email addresses, websites, or payment processors connected to them?