Iz onoga što opisujete, naknada od 1,08 dolara mogla bi biti bankarska naknada za međunarodnu ili posredničku transakciju, posebno ako kazino nije lokalno licenciran i koristi provajdere poput Gigadata.
Vraćeni depoziti i kašnjenje u povraćaju mogu biti posledica načina na koji je polje za poruku obrađeno, ali je teško reći bez kompletnih snimaka ekrana.
Ako želite, možemo pokušati da vam pomognemo da ovo razjasnite sa kazinom, ali bih vam takođe preporučio da zamolite svoju banku da potvrdi na šta se tačno odnosi naknada od 1,08 dolara.
Kratak pregled glavnih tačaka:
1) Naknada za međunarodnu transakciju (najverovatnije):
Ako kazino nema lokalnu licencu u njenoj zemlji (npr. Kanada) i plaćanje se vrši preko stranog provajdera (npr. Gigadat deluje kao posrednik), neke banke naplaćuju međunarodnu transakcionu naknadu — obično oko 1–3%. → 1,08 dolara od 30 dolara jednako je tačno 3,6%. To odgovara, pretpostavljam.
Posrednička provizija (posrednička banka):
Neke transakcije se obavljaju preko posredničkih banaka, koje mogu primeniti sopstvene naknade. Čak i ako se depozit vrati, ova naknada možda neće biti vraćena.
Naknada za konverziju valuta:
Čak i ako se čini da je plaćanje u lokalnoj valuti, ono zapravo može biti obrađeno u drugoj, a zatim konvertovano nazad, što može izazvati dodatnu naknadu.
2) Neuspešan depozit i povraćaj novca (dva puta):
Najverovatniji scenario:
Transakciju je odbio kazino ili procesor plaćanja (Gigadat) zbog pogrešnog referentnog broja ili poruke za primaoca.
→ Prema Gigadat, unela je pogrešnu „poruku", što ona poriče.
→ Gigadat može imati automatizovani sistem koji odbija transakcije ako poruka ne odgovara potrebnom formatu (npr. određeni kod nije uključen u polje poruke).
Do kašnjenja u obradi je moglo doći zbog:
Povraćaj novca putem posrednika za plaćanje obično traje 1-3 radna dana.
Ako kazino ili Gigadat odbiju uplatu, a banka obradi povraćaj novca, to i dalje traje neko vreme čak i pod najboljim uslovima.
Za sada, to je najbolje što sam mogao da uradim. Imate li nešto novo, molim vas?
From what you describe, the $1.08 fee could be a bank charge for an international or intermediary transaction, especially if the casino isn’t licensed locally and uses providers like Gigadat.
The returned deposits and the delay in refunding may be due to how the message field was processed, but it’s hard to say without full screenshots.
If you'd like, we can try to help you clarify this with the casino, but I'd also recommend asking your bank to confirm what the $1.08 charge specifically refers to.
A little breakdown into major points:
1) International transaction fee (most likely):
If the casino doesn’t have a local license in her country (e.g., Canada) and the payment is routed through a foreign provider (e.g., Gigadat acting as an intermediary), some banks charge an international transaction fee—usually around 1–3%. → $1.08 from $30 equals exactly 3.6%. That fits, I guess.
Intermediary fee (intermediary bank):
Some transactions go through intermediary banks, which can apply their own fees. Even if the deposit gets refunded, this fee may not be returned.
Currency conversion fee:
Even if the payment appears to be in the local currency, it may actually be processed in a different one and then converted back, which can trigger an additional charge.
2) Failed deposit and refund (twice):
Most likely scenario:
The transaction was rejected by the casino or the payment processor (Gigadat) due to an incorrect reference number or message for the recipient.
→ According to Gigadat, she entered the wrong "message," which she denies.
→ Gigadat may have an automated system that rejects transactions if the message doesn’t match the required format (e.g., a specific code not included in the message field).
The delay in processing may have happened because:
Refunds via payment intermediaries typically take 1–3 business days.
If the casino or Gigadat rejects the payment and the bank processes the refund, it still takes time even under the best conditions.
For now, that's the best I could do. Have you got anything new, please?
Automatski prevedeno:
ovo je iz Gigadata
