HjemForumGenerel debat om gamblingQuestion about Gambling websites with Curaçao license using incorrect Merchant Category code

Question about Gambling websites with Curaçao license using incorrect Merchant Category code (side 787)

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2 år siden
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8 måneder siden

Hi,

Do you have a source for that quote from Mastercard you'd be willing to share with me, via email if needs be?

It would be a massive help with my current Starling/Ombudsman case that could see me get about 12k back!

8 måneder siden

From a Mastercard Live Chat - also available in multiple other sources including Merchant terms and conditions.


Yes, in Mastercard terms and conditions, a special category is required to accept gambling payments.

Specifically, gambling merchants are identified by Merchant Category Code (MCC) 7995: Lottery, Betting, and Gambling. This MCC is used for a variety of gambling operations, including:

* Casinos (physical and online)

* Sports betting operations

* Lottery operators

* Racetracks

* Online bingo platforms

Mastercard, along with other payment networks, uses MCCs to categorize transactions, manage risk, and ensure compliance with regulations. Businesses operating under high-risk MCCs like 7995 often face stricter scrutiny, higher processing fees, and specific requirements to prevent fraud and comply with anti-money laundering (AML) regulations.

Furthermore, Mastercard has specific rules regarding gambling transactions, including:

* Payment of Winnings (POW): Mastercard has a dedicated "Payment of Winnings" stand-alone credit specifically for gambling merchants to pay game winnings to customers. This is restricted to merchants under MCC 7995.

* Credit Card Restrictions: In many jurisdictions (like the UK), the use of credit cards for gambling transactions is prohibited. Mastercard's rules and various regulations aim to prevent such transactions.

* Merchant Location and Licensing: Merchants must only acquire payments within their licensed "area of use" and hold all necessary licenses and permits to conduct their business in that country.

* No Mis-coding: Mastercard actively monitors and penalizes merchants who attempt to mis-code gambling transactions under non-gambling MCCs to circumvent restrictions.

In essence, while Mastercard facilitates gambling payments, it does so under stringent conditions, requiring specific categorization and adherence to various rules to manage the associated risks and regulatory requirements.


8 måneder siden

Den spanske centralbank ... vil blot fortælle dig, at transaktionerne var konsensuelle, og at banken ikke har nogen forpligtelse til at overvåge disse platforme. Jeg siger dig dette af erfaring ... prøv at presse banken så meget som muligt. Det er den eneste måde, de kan eskalere din tvist på.

Automatisk oversættelse:
8 måneder siden

Nå, jeg har indgivet en klage og haft mange chats med Revolut, der ændrer versioner. Lad os se, om den spanske centralbank kan hjælpe mig lidt. Det handler ikke om betalingsautorisationen, men om brugen af ​​den forkerte MCC-konto og hvad det indebærer.

Automatisk oversættelse:
8 måneder siden

Jeg råder dig også, ligesom mange andre på dette forum, til at forsøge at finde oplysninger om den butik, der er angivet på din kontoudtog. Kontakt butikken og send dem en e-mail, hvor du påstår, at du aldrig har købt noget hos dem. Mange har modtaget en direkte refusion af nogle af eller alle deres penge.

Automatisk oversættelse:
8 måneder siden

Jeg har søgt, men jeg kan ikke rigtig finde noget.

Automatisk oversættelse:
player0990
8 måneder siden

Hvilke virksomheder ser ud til at være noget for dig?

Automatisk oversættelse:
Unbroken
8 måneder siden

LocLd / itslocld - ?

OG

Printiso-printisodigital?

Cnpcto / Coinpacto

Edbost

Bitsent

Artfin

Zyph

E0000348

Triers-London

OnIngo-london

Trndbm-cardiff

Pxthn-london

Inovocom-ruislip - ?

BYTBLM*LAB - cryptowaveco?

fluenfs

vivexcoin - ?

kunstfin

SKC*AROMA

SIKCNTVK

jpfever.com - Birkirkara fremstår som et casino, men jeg har aldrig registreret mig der.



Redigeret
Automatisk oversættelse:
player0990
8 måneder siden

Jeg råder dig til at søge i forstørrelsesglasset øverst i dette forum, én efter én for hver virksomhed, så kan du finde information fra andre brugere, der har bidraget.

Automatisk oversættelse:
orangeworld
8 måneder siden

I added my own information to the email and I came directly from the email address they have for me.

8 måneder siden

From a Mastercard Live Chat - also available in multiple other sources including Merchant terms and conditions.


Yes, in Mastercard terms and conditions, a special category is required to accept gambling payments.

Specifically, gambling merchants are identified by Merchant Category Code (MCC) 7995: Lottery, Betting, and Gambling. This MCC is used for a variety of gambling operations, including:

* Casinos (physical and online)

* Sports betting operations

* Lottery operators

* Racetracks

* Online bingo platforms

Mastercard, along with other payment networks, uses MCCs to categorize transactions, manage risk, and ensure compliance with regulations. Businesses operating under high-risk MCCs like 7995 often face stricter scrutiny, higher processing fees, and specific requirements to prevent fraud and comply with anti-money laundering (AML) regulations.

Furthermore, Mastercard has specific rules regarding gambling transactions, including:

* Payment of Winnings (POW): Mastercard has a dedicated "Payment of Winnings" stand-alone credit specifically for gambling merchants to pay game winnings to customers. This is restricted to merchants under MCC 7995.

* Credit Card Restrictions: In many jurisdictions (like the UK), the use of credit cards for gambling transactions is prohibited. Mastercard's rules and various regulations aim to prevent such transactions.

* Merchant Location and Licensing: Merchants must only acquire payments within their licensed "area of use" and hold all necessary licenses and permits to conduct their business in that country.

* No Mis-coding: Mastercard actively monitors and penalizes merchants who attempt to mis-code gambling transactions under non-gambling MCCs to circumvent restrictions.

In essence, while Mastercard facilitates gambling payments, it does so under stringent conditions, requiring specific categorization and adherence to various rules to manage the associated risks and regulatory requirements.


8 måneder siden

Ahhh, yeah. I have all the T&C's and the chargeback guidance, but it's those actual, magic words that I need directly from Mastercard, to prove my point.

I've been down the road of all of those points from the T&C's with my bank but they (and the Ombudsman) are of the opinion that because the funds eventually ended up being used for gambling, they are gambling transactions.

This quote neutralises that argument completely.

Sadly, I've not been able to find either a live chat for Mastercard or get a meaning response through Social Media.

Anonymized912
8 måneder siden

Thank you btw, I forgot to add that.


If there's any advice or anything you can offer me to underline that point, then you can always email me....

Unbroken
8 måneder siden

Jeg har søgt, men jeg kan hverken finde eller finde noget, men tak for hjælpen

Automatisk oversættelse:
2scottjason
8 måneder siden

Hi


appreciate this was a while ago 😂

did you win the dispute with Faqsolutions or did they try and object,

xbigguyxxx
8 måneder siden

Hi Paul

how do you find out the processor merchant bank for Apple Pay transactions

as starling are saying they are not to blame even though they knew miscoded MCC codes as the merchant bank decides and completes due diligence not them

Myfreeme
8 måneder siden

Hi mate im not sure mine were all on card not apple pay

8 måneder siden

Says this its a separate processor in USA..file

melrao007
8 måneder siden

Did you get anywhere with Starling?

Williamj86
8 måneder siden

William - what bank was this and what was the situation?

Vkieranc
8 måneder siden

I would like to know this also please winnerdude

8 måneder siden

Did you get anywhere with Starling?

8 måneder siden

You won't. They're a bunch of C Units.

I've had terrible problems with them. Routes I've tried with them.......


1) I've got a gambling block on - 'Sorry mate, they might be gambling transactions but the MCC is wrong, so there's nothing we could have done'


2) Oh, so these aren't gambling transactions then? 'Sorry mate, they definitely are. We've investigated them using special techniques we can't tell you about but we KNOW they are gambling merchants'


3) OK, so can we charge these back as goods not recieved then, as I never received any goods or services from these companies? - 'Sorry mate, no we can't - see last reply'


4) Hi, these are some goods I ordered, but I never received them, can you please charge them back. I have evidence of the companies not supplying the goods and failing to communicate with me? - 'Yes mate, course we can'.................... Several days later............... 'Sorry mate, was wrong. We've investigated these transactions and they are DEFINITELY gambling merchants and not what you claimed, so no chargebacks'


5) Hi, I can see you've blocked some payments to a company called 'XXXXXXXXX' and the reason for the decline is that I have a gambling block on my card. Does this mean you now block all of these rogue merchants? - 'No, sorry mate. We just go through some transactions in a half arsed manner and randomly block some of them, then let them through, then block them again. Also, we never did any of that, don't know what you're talking about?'


6) So you can track this money from my account, through the 3rd party and tell me where it was eventually deposited? In that case you know the casino is a scam and I never had a chance of winning, so technically, this isn't gambling. So can we get my money back now? - 'Nah, sorry mate'


7) Can you tell me the casino I deposited at then? - 'Nah mate, that's top secret information. Also, how we find out is top secret too, we definitely don't just google the merchants and find out that way, oh no.'


8.) 'Mate, please stop bothering us, we can't be arsed to help you. Yes, even though you've provided clear evidence of the scam, faked transactions, that another Client bank that uses MasterCard has succesfully charged back transactions like these and they were supported by Mastercard etc. Take it to the Ombudsman. Oh, and here are some patronising links to safer gambling sites. Now off you Fuck'


So that's where I am up to. First complaint about to go to Ombudsman after Investigator sided with bank. I just need to produce a few extra bits of evidence first. Then if I win, I'll lodge my second complaint.


In the interim, I'm writing a complaint to MasterCard UK and if it's not resolved, I will then take that to the Ombudsman.


This is why, I need the source and evidence of the quote from the chap above about transactions only being classed as gambling, if they are coded as such.


With that evidence, the defence that all banks that use Mastercard use, falls apart. IF, and it's a big IF, I can then get the Ombudsman to side with me, it will set a precedent that would see everyone here get their money back from Mastercard banks.


So, if anyone has any advice or evidence they can provide, with sources, then please let me know. I'd prefer to do it over email if possible.


Thanks in advance



8 måneder siden

Jeg har kontaktet Mastercard for at høre, hvad deres perspektiv er på, hvad casinoer, der bruger købmænd, gør. Jeg vil holde jer opdateret om deres svar.

Automatisk oversættelse:
8 måneder siden

Did you get anywhere with Starling?

8 måneder siden

Nope, that's why I've put a complaint in to FOS.

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