Question about Gambling websites with Curaçao license using incorrect Merchant Category code (strana 202)

Which transactions were under Payop?

Yes, that's the best way to start. Some do actualy reply and are refunding.

Secondly, then contact your bank, ask for a chargeback and show the proof you've tried to contact them.

Thirdly, contact your fincancial authority.

I had a lot of transactions too. I went through them all and typed out all the merchant names so and the bank was able to locate all the transactions based on that

Anyone who’s had success with payop or falcora finance - can you tell me how you got your money back ? Monzo aren’t helping me, payop have rejected my complaint and jokabet aren’t replying

Thanks!

for the merchant code how are you finding it? Of course different banks, but I see long strings of numbers in the "message" so not sure if it’s one of them

haven’t checked on computer yet as I’m travelling at the moment so maybe it’s clearer there

Any special transactions under payop?

I don’t understand what you mean

I cannot see the merchant codes, but I have a gambling block on my card which was bypassed by these casinos, so they are all using incorrect merchant codes, otherwise they would be picked up by my gambling block.

What casino did you use?

Im going to message these sites doubt they will reply though and send them screenshots then its over to them ! as if id buy perfume and furniture from Aftica !

Honestly too many to map, but they’re all under Dama N.V

some show correctly as the casino, then a whole load are listed as junk.

i feel most are wrong merchant code because my bank categorises them and they show as "unknown" mostly. Reputable casinos like unibet show as gambling correctly

Hi Everyone.

So, I’m thinking of contacting my bank/card providers and explaining to them that the multiple transactions on my accounts are miss coded and I’ve never used or received anything from the companies that have charged me. There are hundreds of transactions totalling around £15K across 5 cards. The majority are credit cards and has left me on over £20K worth of debt. Please don’t judge.

How would I ever start this with my banks?; would I need to complete dispute forms for all of these or submit a complaint to the bank to investigate?

any help would be greatly appreciated as I feel like I’m drowning!

Ι was asked by a merchant to send me a selfie with my ID and my debit card.

to do it?

Depends who you bank with.

Chase did it via live chat.

Barclaycard it’s a dispute form and you can attach letters and emails etc.

Have you seen the banking template letter to send them?

No I haven’t, would you mind sharing? Thanks

I am writing to formally request a chargeback for recent transactions processed on my account. The details of the transaction are as follows.

Date of Transaction: [Date of Transaction] Amount: [Transaction Amount] Merchant Name: [Merchant Name]

As someone struggling with gambling addiction, EDIT ACCORDINGLY: I had placed a gambling block on my account several years ago to prevent any gambling-related transactions.

Unfortunately, I recently relapsed and deposited funds to an online casino. Despite the gambling block in place, the casino employed a fraudulent merchant to disguise the true nature of the transaction, thereby bypassing the block by using an incorrect Merchant Category Code (MCC).

This practice, known as "transaction laundering," is in direct violation of Mastercard regulations and qualifies the transaction for a chargeback. The casino's intentional use of a fraudulent merchant to circumvent the gambling block is a clear breach of Mastercard rules. If the MCC had been correctly set, the transaction would not have been authorized.

I took the proactive step of setting up restrictive measures to avoid gambling, but the purposeful and illegal practice of transaction laundering exploited a vulnerability in the system, facilitating this transaction despite the block.

Although I authorized the transaction, I did not receive any goods or services from this merchant. The funds were directed to the online casino, which used this merchant to bypass the gambling restrictions on my account. The expected delivery date for any goods or services, if applicable, would be the same as the transaction date. However, since no goods or services were provided by the merchant, I am requesting a chargeback.

In light of these circumstances, I kindly request that you process a chargeback for the full amount of the transaction. I appreciate your understanding and prompt attention to this matter.

Thank you for your assistance.

Change Mastercard for visa if applicable

I am in the process of drafting a big email to my bank regarding a complaint before raising it with the ombudsman depending on the outcome. Keep me updated on how you get on 🙂

Chase rejected me via live chat, had to go through the ombudsman with them

Hi Paul,

I am still drafting a big email regarding my complaint to Natwest. Just wondering what you put in yours etc. Would you be able to send over any communication with yourself just so I can ensure I do this properly?

Also, I never had a reply from the bank when I contacted them regarding these transactions, pleading of a gambling problem and asked them to investigate certain transactions back in june/July. Do you think this is grounds? They never signposted me anywhere (even tho we all know where the help is) and they also didn't acknowledge an email that showed transaction laundering in place! There must grounds there for me surely?

There are 6 companies I'm looking to hit, grotobook/mydates, bitsent eu/fomiline/goriwire, ets*ewave and pixeleum. Do I mention that I am looking to go to the ombudsman?

And thanks, pardon my manners🤣

Did you win with the ombudsman? What companies did you target please? 🙂

Still ongoing, they're contacting chase for their report, and have asked me for my side of the story, targeted goldenbet/santeda b.v., they used a nikotpf merchant which they admitted was third party and used the wrong merchant codes so i'm hopeful, also had no license whatsoever when the transactions happened