Yes obviously will go down goods not received when raising a chargeback as the bank I'm with won't entertain gambling, but I tested the waters with the merchant directly first. At least I now have proof to take to the bank for each scenario should it come to it.
The Web Mosaic transactions matched with Funbet Casino. But I'm aware they are used for multiple casinos.
It's a house of cards. Just got to get to the right one to bring it down. I'll be going down the route of goods not received with my bank and I'm going to look further into the MC rules- that near 400 page document I posted the other day...there just has to be something in that.
What casino were you using out of interest?
I posted the specific pages from the Merchant T&Cs, MCC Terms and Mastercard global terms. It's in black and white - for any merchant who wants to take payments for gambling they must have a Special Category Status and pass due diligence which is quite in depth. None of these casinos or payment processors have this status at all. Every UK casino has it if they offer Mastercard as a payment option, by law. Therefore if a casino takes money from a player and they don't have the SCS they are breaching their own Merchant account terms and Global Mastercard rules. It isn't even in dispute - this is what happens.
The problem people are facing is that banks see the word "Gambling" and automatically deny any kind of chargeback. This is simply poor training on their part. The actual process is if MCC 7995 is used then it cannot be charged back unless it is some special circumstance. These sites are not using MCC 7995 and have no ability to do so, it's a mire of retail/IT/Education codes they are using which are defined as 'low risk' and they are all available for chargeback if evidence is provided.
Hi
where can i find these terms from Mastercard? Do you have a link?
does anyone know this merchant?
thx
So it appears Active web Limited dissolved in 2022 how do I go about disputing payments to a dissolved company?
Hi everyone!
I'm a journalist from Estonia, and I’d like to share some information about what we discovered regarding miscoding in a casino with an Estonian license — specifically Frenwall Limited, which we believe is connected to Swedish big palyer Infiniza.
I’d also like to thank the participants of this thread, as the information you shared helped us identify the Estonian companies involved in the scheme.
Our article is published here (sorry, it’s behind a paywall): https://www.aripaev.ee/suur-lugu/2025/04/09/eesti-varifirmade-vorgustik-liigutab-salaparaste-kasiinode-miljoneid
Here are our main findings:
If you have any tips or info, feel free to reach out: polina.volkova (at) aripaev.ee
Thank you all once again for bringing this up
Polina
Crazy to believe this forum has had 1.5 million views 11.5k comments and the fraudsters are still at large. Thats a pretty large engagement. Surely their time is running out.
Just had word from my bank that VISA have sided with PYD processing over my chargeback dispute. This despite a) PYD's transaction history they sent my bank literally not adding up in £ to the transactions I had with them b) PYD not adhering to their own T&Cs but more glaringly;
c) PYD using the correct gambling MCC Code in the UK but not having a license to operate in the UK, which I informed VISA of with a letter from the UKGC
The ruling notification I got was as blunt as - VISA have ruled in the merchant's favour. That's it. No reasoning, no nothing. THAT'S IT!
M y bank who has sided with me in raising the chargeback and agreed with my evidence have now basically said tough shit.
What's my recourse here? Omudsman and potentially a solicitor? Surely to have used the correct MCC code in the UK, PYD must have passed some kind of stress test from VISA to allow that?
And why would VISA now still be siding with the merchant when this payment was illegal and against VISa's own T&CS?
Hi. There are hundreds of Estonian companies involved.
my latest one is EQUIDELLA OU. Never respond to emails or phone calls and people from my country can’t even sign up to their website
Thank you!
The more Estonian companies you post, the biggest chance for us to understand at least who is behind the scheme in Estonia. Right now we were able to identify only around 10 of them.
Best regards
Polina
Frenwall Limited are 100% connected to Infiniza, when emailing Infiniza when all this started and asking for my money back, i automatically getting rejected when trying to register on any of the Frenwall casinos with the message:
Thank you!
The more Estonian companies you post, the biggest chance for us to understand at least who is behind the scheme in Estonia. Right now we were able to identify only around 10 of them.
Best regards
Polina
There are Estonians, Lithuanians, Ukrainians, Moldovan, Georgians etc all involved here. You will find most of them will have a link to Cyprus as well.
Hey, I know you have some good knowledge on these things. If the company was dissolved in 2022 but took my payment in 2025 what are the grounds for dispute/refund?
I have a transaction for 'slideflare Tallinn Estonia'. Unfortunately it fell outside the 120day mastercard chargeback period so I wasn't able to contest. But definitely linked to illegal online casino.
Hej alle sammen!
Kan nogen hjælpe mig med en e-mail til sitexcraft? Ud fra hvad jeg har set her, er det transactworld, men de ønsker slet ikke at svare mig.
Jeg har nogle flere: Prdctlux og Terrvers
What casino did you get your money back from and what did you write?
I played on Instantcasino, Tsars and 1gocasino, all registrered with Curacao license.
Instantcasino doesnt respond at all.
1gocasino responds but are just saying to contact Galaktika NV, but i tried and its been months and no response at all.
Tsars respond to emails and basically saying they are doing nothing wrong and they are threating you to not the chargeback, because its fraud etc.
Tsars are using "Spaceedge.io" a weird cryptocurrency company that are impossible to contact, they dont respond to support emails.
Mail from Tsars:
Hey, I know you have some good knowledge on these things. If the company was dissolved in 2022 but took my payment in 2025 what are the grounds for dispute/refund?
Dissolved as a UK entity? Did you check that they don't have a HQ elsewhere as 99% of the time they do - see PayOp for instance.
Gratis faglige kurser for medarbejdere på online casinoer om bedste praksis, optimering af spilleroplevelsen og en fair tilgang til gambling.
En initiativ, vi har sat i søen med henblik på at etablere et globalt selvudelukkelsessystem, der giver sårbare spillere mulighed for at blokere deres adgang til alle former for onlinespil.
Du omdirigeres til casinoets website. Vent et øjeblik. Tjek indstillingerne, hvis du bruger software til annonceblokering.
