Question about Gambling websites with Curaçao license using incorrect Merchant Category code (strana 622)

dude, I will give you a response that will make the casino paralyzed

Subject: Re: Refund Request

Dear Fresh-Bet Team,

Thank you for your response.

While I understand your reference to the Terms & Conditions, I would like to clarify that at the time of registration and gameplay, I was not made explicitly aware of any restrictions that would have rendered my participation non-compliant due to my jurisdiction. If such limitations existed, I believe it would have been reasonable for your system to restrict access during registration or deposit, rather than allowing continued participation.

I kindly request that you reconsider my refund request in light of this. If necessary, I would be open to further communication or escalation to reach a fair resolution.

I look forward to your response.

Best regards,

No matter what you say the first response will be the C&P one - "Our terms and conditions state blah blah blah". Their T&Cs are not enforceable anyway but Mastercard payment fraud isn't covered in them. They will genuinely just stop responding after one or two C&Ps.

Is it definitely linked to the Nikotpf merchant?

I have no idea, NikoTpf is Jsut the payment processor, Acrive web is the merchant and they dissolved in 2022

I can tell you what they do next, they'll ignore you then when you carry on emailing them they'll reply to an earlier email and completely ignore this one, i've exhausted every path in terms of emailing their "customer support".

You may be lucky, Chase are awful and i honestly doubt they'd raise it, i may try this route with the FOS agent when i get assigned one

something dodgy happened. My nikotpf zenit marketing have change in the bank app to zenit marketing only. Seems like elegro dropped them?

The most nonsensical part of it is this.

Furthermore, in accordance with our Terms & Conditions, specifically the section "Who Can Play", we only accept players from jurisdictions where online gambling is legally permitted. It is the player's sole responsibility to verify and comply with the gambling laws and regulations applicable in their respective jurisdiction before engaging in gameplay on our platform.

How can a person decide if it is legal or not? It is the CASINO who hold the gaming licence which dicates what jurisdictions and legalities are attached to them. A player cannot decide if it is legal or not- so this response that they post widely can be overturned in any court or otherwise in the world. I genuinely don't know who made this crap up for them, but it is good for any player who ever wanted to go down the legal route. Genuinely they must have the worst lawyers in history.

I’m not holding my breathe they only said the disputes had been raised so will have to check. Maybe tell them about the merchant being dissolved

That’s so weird mine were "NikotpfActiveweb lim" now changed to "Active web lim" we may finally have shut down Elegro for good

Yeah, problem is zenith marketing has no email address same as freaking active web. Dunno what the to do. Cant go goods not received coz i cant contact them.

Weird, still the same on mine, i'll keep an eye on it, if it does change i'll send the government company housing thing to Chase/FOS and see what they do

then

i will say this letter that will make them shake

Thank you for your response. However, your explanation does not absolve the platform of its obligations.

By allowing users from restricted jurisdictions to register, deposit, and play without appropriate KYC or geo-restriction enforcement, your platform has effectively enabled illegal activity — for which the liability cannot be solely shifted onto the player. This practice may constitute a breach of consumer protection laws, anti-money laundering regulations, and potentially criminal negligence depending on the jurisdiction.

If this issue is not resolved within 7 business days, I will be compelled to file formal complaints with relevant gambling regulators, consumer protection agencies, and financial authorities — including but not limited to your payment processors and hosting providers. I am also prepared to escalate the matter publicly through social media and consumer advocacy forums.

I hope to avoid this path and resolve this amicably. Please confirm that my refund is being processed.

Sincerely,

Option 2: Reputation & Media Leverage

Subject: Final Request Before Escalation

Your refusal to issue a refund, despite your platform’s failure to enforce its own jurisdictional restrictions, is unacceptable. If your Terms & Conditions are not actively enforced at the point of entry and deposit, they cannot be retroactively used to deny refunds in good faith.

I am currently preparing documentation to submit to online gambling watchdogs, review sites, and crypto payment service providers. Additionally, I will be sharing my experience — along with evidence — on major public forums, including Reddit, Trustpilot, and relevant social media platforms. These actions can significantly affect the trustworthiness and visibility of your brand.

This is your final opportunity to resolve this issue privately and amicably.

I expect a response confirming refund processing within 72 hours.

Regards,

dude I will make these casinos refund or they join Pirot casino and my stake

Tried this, even sent copies of anti money laundering requirements from the Curacao gaming board in regards to merchants and MCC coding, GDPR violations they've committed in giving my details to third parties, the fact they've violated international law by operating in jurisdictions illegally, international AML laws, they just state they have operated legally and will not be issuing refunds. Same copy and paste replies every time, CryptoG82 on here is absolutely right when it comes to Santeda and their casinos.

Even tried tagging them in emails with the UKGC, ActionFraud etc, they just ignore the email chains and reply directly.

Makes me curious as to how people managed to get them to reach a settlement because i've tried absolutely everything with them directly and they won't even attempt to come to a settlement or any type of agreement.

Ive tried all that for months aswell and I seem to get the same copy and paste email back every time sometimes it's worded a little different but all boils down to piss off in the end 😂

It seems they pick and choose who they want to refund

Yep, i think when it comes to Santeda, once the moneys in their account, they don't care what you do, they won't refund anything unless you get them from a certain angle, which i'm sure they've managed to find ways to cover their backs on since then.

The only thing they will be shaking out after sending this is the same C&P email sent previously....if your lucky! They will just ignore everyone else. Different world these Santeda Support teams live on - they genuinely do not care.