ForumKlagesagerQuestion about Gambling websites with Curaçao license using incorrect Merchant Category code

Question about Gambling websites with Curaçao license using incorrect Merchant Category code (side 28)

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loisjefferies98
1 uge siden

That’s what they sent me.

Hello,


Being leaders in the industry, our company uses a variety of international payment channels for different countries and regions. Periodically, banks may switch channels within the payment network, and you might see values from a different region in your bank statement. Please don't worry, all your deposits are credited to your account on time, just in strict accordance with your transactions. If you have any doubts, we are always happy to assist you with reconciling your transactions.


Best regards,

Mehmet

Casino Support Team

1 uge siden

Hey,


anyone with effort with Mobilumpay?

1 uge siden

Did anyone email Visa at security@visa.com

As the transaction laundering is clearly a breach against their terms, it should be in their interest to handle this? Anyone did this?


I just did it, no reply yet, gave them my Visa card number, and said literally all transactions on this card is a laundered transaction except one, as I only use the card for gambling, it's a Revolut card.


This was my email,

ear Security Team at Visa, please forward to the correct department if this is the wrong department.

I am writing to you with a profound sense of urgency and disappointment regarding a critical issue that has severely compromised my confidence in the security measures employed by Visa and my card issuer, Revolut. It pertains to the alarming phenomenon of transaction laundering, a flagrant violation that has put my financial well-being at risk and highlighted significant deficiencies in your systems.

Let me first draw your attention to a series of transactions that have appeared on my Visa card, linked to the details: 4***********8. While technically initiated by me, these transactions were facilitated through a deliberate manipulation of merchant codes, bypassing restrictions intended to protect consumers like myself from engaging in high-risk activities, such as gambling.

This exploitation of loopholes within your system represents a clear breach of trust and an egregious violation of consumer protection standards. Despite my attempts to seek resolution through Revolut, I have encountered a disheartening lack of action or concern. There have been no tangible steps taken to rectify the situation or investigate the root cause of these transactions, leaving me feeling vulnerable and disregarded as a consumer.

What exacerbates this situation is the complicity of both Visa and Revolut in allowing these transactions to proceed unchecked. By turning a blind eye to the manipulation of merchant codes and failing to enforce robust security measures, you have effectively facilitated transaction laundering and placed the financial well-being of consumers at risk.

Furthermore, I urge you to conduct a thorough investigation into the merchants and payment processors involved in processing these transactions. It is evident that they have deliberately manipulated merchant codes to circumvent restrictions and facilitate gambling transactions as non-gambling transactions. Such unethical practices not only undermine the integrity of your payment network but also pose significant risks to consumers by enabling transaction laundering.

I implore you to take decisive action against these merchants and payment processors, including imposing sanctions and implementing measures to prevent future abuses of your system. By holding them accountable for their actions, you can send a clear message that such exploitative practices will not be tolerated within the Visa network.

As a concerned consumer, I believe that addressing this issue at its source is paramount to ensuring the long-term security and trustworthiness of your payment ecosystem. I trust that you will take the necessary steps to investigate and rectify these abuses promptly.

I demand a prompt and satisfactory resolution to this matter, including the refund of any amounts improperly processed due to the exploitation of merchant codes. Additionally, I urge you to enhance your security protocols and collaborate more closely with card issuers to ensure the integrity of your payment network and protect consumers from exploitation and fraud.

I eagerly await your response and assurance that appropriate measures will be taken to address my concerns and prevent similar incidents in the future.

markster332
1 uge siden

I emailed yesterday, no reply yet.

1 uge siden

Anyone has email information to:

EDUNTAGE or IWC

Big thanks!

veritas1979
1 uge siden

They dont answer. I contacted their support and the founder and CEO of Mobilum. They immediately blocked me. Just raise a chargeback by your bank and you will get your money back.

keejan
1 uge siden

Think thats impossible since you have used BANKID together with the card.

aeonkain
1 uge siden

If you used BankID or not should not matter if the reason for charge back would be non receipt of product bought or similar. They need to send proof they delivered what you paid for?


1 uge siden

If you did that, just say you authorized the payment for goods or services and you did not receive anything. They have no evidence of giving you something. You’ll get your money back

keejan
1 uge siden

And if the bank ask from what webpage i bought and what?

1 uge siden

I’ll give you an example. Destream was one of these fraud websites. I said that I tried to send a content creator money trough them and the content creator never received the money. I showed my bank evidence that Destream did not reply to my matter via email and live chat. They proceeded the chargebacks but I haven’t received my money back yet. It takes time.

1 uge siden

I’ll give you an example. Destream was one of these fraud websites. I said that I tried to send a content creator money trough them and the content creator never received the money. I showed my bank evidence that Destream did not reply to my matter via email and live chat. They proceeded the chargebacks but I haven’t received my money back yet. It takes time.

1 uge siden

Yea, a chargeback will take some time, in general, it goes to the merchant, the merchant looks at it, decides to reply on it or not. If they reply and defend it, your card issuer will look at it, maybe ask for more information, it will go back and forward a bit etc. then depending on what proof your card issuer gets, they'll make a decision.


Sometime the merchant knows they will lose the chargeback, so they do nothing, and then it will jus ttime out and the funds will be charged back automatically. Not sure how long a merchant have to respond to a chargeback but I guess about 2 weeks?


Chargebacks will also incur fee's to the merchant, which is nice to know 🙂

veritas1979
1 uge siden

Might be wrong, but if they reply, I think they would just blame the merchants or refer you to your bank. I don’t think its likely they will step-in and resolve those kinds of disputes. Really hope i’m wrong ofc.

Like think about it, it seems unreasonable that Visa/Mastercard doesn’t have systems to detect suspicious merchants. I mean it surely must raise a flag somewhere when a random e.g nigerian merchant receives lots of transactions from European cards in foreign currency etc. I unfortunately think they are aware of the issues but just lets it pass cause I guess they get a % on each transaction.

1 uge siden

I’ve gone to my bank for chargebacks on Destream and numerous other processors. My bank(Bank of Montreal) claims they will not pursue chargebacks because I am engaging in risky behaviour with the online vendors. I never gave them any background information on the casinos that used these payment vendors. I made sure they knew I never agreed to do business with the vendors or received any product or service from them.

BMO knows that fraud is happening but is not interested in helping. They claim it is all goodwill from them and if they credit it it comes out of their pockets. What a load of shit.

carsix79
1 uge siden

Do you know who processor was please?

1 uge siden

Hello everyone. I just read the thread today and also have a lot of transactions similar to the ones mentioned. Any tips where to start? My list looks like this: MYDELIVERYY - KYCOIN- TIHEA - IWC - EXPRESIVEERA - Incrdblskns - vivxcn - PXTO - CSCANNERR - PIXTABO.COM - Several different FINS36DDC7 etc - VIRTUALBOOKSHELF - THEBOOKATTIC - DOTASCANNER - UNIDO*BTN7 - BUDPAY - gamerdir.com .  I mostly played casino most recently on www.unlimitcasino.com and www.refuelcasino.com .

keejan
1 uge siden

Only reply I got when I spammed the b@mobilum (business email) and dpo@mobilum (data protection)

was to contact support@mobilum so I did, we'll see what happens there.

1 uge siden

I’ve gone to my bank for chargebacks on Destream and numerous other processors. My bank(Bank of Montreal) claims they will not pursue chargebacks because I am engaging in risky behaviour with the online vendors. I never gave them any background information on the casinos that used these payment vendors. I made sure they knew I never agreed to do business with the vendors or received any product or service from them.

BMO knows that fraud is happening but is not interested in helping. They claim it is all goodwill from them and if they credit it it comes out of their pockets. What a load of shit.

1 uge siden

Yea, it's insane, banks have zero consumer protections.

If they were to make a chargeback, it would not be them that would be out of pocket, so they are clearly lying to you. They would retrieve the funds from the company that processed the payment, and that company would get it from the merchant.

1 uge siden

Might be wrong, but if they reply, I think they would just blame the merchants or refer you to your bank. I don’t think its likely they will step-in and resolve those kinds of disputes. Really hope i’m wrong ofc.

Like think about it, it seems unreasonable that Visa/Mastercard doesn’t have systems to detect suspicious merchants. I mean it surely must raise a flag somewhere when a random e.g nigerian merchant receives lots of transactions from European cards in foreign currency etc. I unfortunately think they are aware of the issues but just lets it pass cause I guess they get a % on each transaction.

1 uge siden

I do agree,

They will probably refer me to my bank, or ignore me completely.

Yea, not sure how they work or what they detect really, what they let slide etc.

Of course they take a % on each transaction, but they can also earn a bunch processing chargebacks on these cases.



Flippy48
1 uge siden

Om hvad? 🤨

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