Draga Natalija,
Hvala vam što ste pregledali moj slučaj i na vašem pažljivom odgovoru. Razumem standardnu politiku u vezi sa plaćanjima trećim licima i cenim što Kodeks fer kockanja Casino Guru-a podstiče igrače da koriste samo sopstvene načine plaćanja. Međutim, želeo bih da s poštovanjem razjasnim zašto moj slučaj zahteva dalje razmatranje na osnovu specifičnih postupaka DonBet-a i dodatnih regulatornih pitanja koja još nisu rešena.
1. DonBet je unapred verifikovao moje korišćenje kartica trećih strana
Pre nego što mi je bilo dozvoljeno da uplatim ili podignem novac, DonBet je zahtevao da popunim KYC i verifikujem načine plaćanja koje nameravam da koristim. Kao deo ovog procesa, podneo sam dokumentaciju za verifikaciju za svaku karticu. To je uključivalo kreditnu karticu koja je registrovana na ime moje supruge. DonBet je pregledao ove podatke i ipak odobrio korišćenje te kartice bez prigovora.
Drugim rečima, bili su potpuno svesni da je u pitanju kreditna kartica treće strane i dozvolili su mi da nastavim sa uplatom sa nje. Ovo odobrenje je dato pre nego što su zatražene bilo kakve isplate, a svakako pre bilo kakvog spora. Ni u jednom trenutku nisam bio upozoren niti blokiran da koristim karticu. Verujem da ovo odražava ili nedostatak sprovođenja njihovih sopstvenih Uslova ili prećutno odobrenje. S obzirom na to, ne bi bilo fer da me kažnjavaju kao igrača kada su DonBet-ovi procesi eksplicitno dozvoljavali karticu.
Ako je politika kazina da blokira plaćanja trećih strana, ali ih zatim svesno odobrava i prihvata, odgovornost ne bi trebalo da bude isključivo na korisniku. Nisam obmanjivao platformu i koristio sam proces verifikacije u dobroj veri.
2. DonBet je obradio depozite kreditnim karticama uprkos zabrani u Velikoj Britaniji
Kao stanovnik Ujedinjenog Kraljevstva, podležem zabrani Komisije za kockanje o kockanju kreditnim karticama (na snazi od aprila 2020. godine). Moja banka aktivno blokira transakcije kockanja koristeći ispravan kod kategorije trgovca (MCC) 7995, koji je standardni za klađenje, kazino čipove i druge aktivnosti u vezi sa igrama.
Međutim, svi moji depoziti — uključujući i one sa kreditnih kartica — su uspešno obrađeni od strane DonBet-a. To ne bi trebalo da bude moguće pod normalnim uslovima osim ako trgovački kod nije pogrešno predstavljen ili prikriven. Iz mojih bankovnih izvoda vidim da MCC dodeljen depozitima nije bio 7995, već nešto što nije povezano (kao što su maloprodaja, umetnost ili opšte usluge). Ovo sugeriše da su ili DonBet ili njihov procesor plaćanja namerno ili nemarno zaobišli ograničenja koristeći pogrešne MCC-ove.
Ovakva vrsta pogrešne klasifikacije predstavlja kršenje pravila šeme kartica, uključujući Masterkardov razlog 4849, koji pokriva sumnjive trgovačke aktivnosti. Ona potkopava zaštitu potrošača i potencijalno krši međunarodne propise — uključujući one koji se tiču odgovornog kockanja i borbe protiv prevara.
3. Bez priznanja ili odgovornosti od strane DonBet-a
Kada sam pokrenuo ova pitanja sa podrškom DonBeta, nisu priznali ozbiljnost nijedne od tačaka. Umesto toga, ponovili su standardne uslove i odbili da preuzmu bilo kakvu odgovornost — uprkos činjenici da:
• Unapred su odobrili kreditnu karticu treće strane;
• Prihvatali su depozite koji su trebali biti blokirani prema finansijskim propisima Ujedinjenog Kraljevstva;
• Verovatno su prikrili prirodu transakcija pogrešnom klasifikacijom MCC-a;
• I nikada nisu imali primedbi na moje načine plaćanja tokom faze verifikacije.
Pokušao sam da ovo rešim direktno sa DonBetom, ali moje brige su više puta odbačene. Nije sprovedena odgovarajuća istraga, nije dato priznanje krivice, niti je ponuđeno smisleno rešenje.
4. Zašto tražim podršku od Casino Guru-a
Ne podnosim ovu žalbu u lošoj veri, niti pokušavam da nepravedno prebacim krivicu. Jednostavno tražim pravičnost. Verujem da DonBet nije sproveo sopstvene Uslove i svesno je dozvolio korišćenje kartica trećih lica. Takođe verujem da su kazino, ili njegovi partneri za plaćanje, pogrešno predstavili prirodu transakcija kako bi zaobišli bezbednost izdavaoca kartice i zabranu kockanja kreditnim karticama u Velikoj Britaniji.
Oba su ozbiljna problema i nadam se da će Casino Guru pomoći da se osigura njihov pravilan pregled. Otvoren sam za pravedno rešenje — idealno bi bilo da se depoziti koji su obrađeni uz jasno kršenje pravila poštuju u dobroj volji. Takođe ću rado pružiti snimke ekrana, izvode iz banke ili dokumenta za verifikaciju ako je potrebno da bih potkrepio svoj slučaj.
Hvala vam još jednom na vremenu i cenim vašu pomoć u postizanju pravednog ishoda.

Dear Natalia,
Thank you for reviewing my case and for your thoughtful response. I understand the standard policy regarding third-party payments and appreciate that Casino Guru’s Fair Gambling Codex encourages players to use only their own payment methods. However, I would like to respectfully clarify why my case warrants further consideration based on DonBet’s specific actions and additional regulatory concerns that haven’t yet been addressed.
1. DonBet Verified My Use of Third-Party Cards in Advance
Before I was allowed to deposit or withdraw, DonBet required me to complete KYC and verify the payment methods I intended to use. As part of this process, I submitted verification documentation for each card. This included a credit card that was registered in my wife’s name. DonBet reviewed these details and still approved the use of that card without objection.
In other words, they had full knowledge that it was a third-party credit card and allowed me to continue depositing with it. This approval took place before any withdrawals were requested, and certainly before any dispute. At no point was I warned or blocked from using the card. I believe this reflects either a lack of enforcement of their own Terms or tacit approval. Given this, it would not be fair to penalize me as the player when DonBet’s own processes explicitly permitted the card.
If a casino’s policy is to block third-party payments but then approves and accepts them knowingly, responsibility should not fall solely on the user. I did not deceive the platform, and I used the verification process in good faith.
2. DonBet Processed Credit Card Deposits Despite the UK Ban
As a UK resident, I am subject to the Gambling Commission’s ban on gambling with credit cards (in effect since April 2020). My bank actively blocks gambling transactions using the correct Merchant Category Code (MCC) 7995, which is standard for betting, casino chips, and other gaming activity.
However, all of my deposits — including those from credit cards — were processed successfully by DonBet. This should not have been possible under normal conditions unless the merchant code was misrepresented or disguised. From my banking statements, I can see that the MCC assigned to the deposits was not 7995, but something unrelated (such as retail, arts, or general services). This suggests that either DonBet or their payment processor intentionally or negligently bypassed the restrictions using incorrect MCCs.
This kind of misclassification is a violation of card scheme rules, including Mastercard’s Reason Code 4849, which covers questionable merchant activity. It undermines consumer protections and potentially breaches international regulations — including those around responsible gambling and anti-fraud.
3. No Acknowledgment or Accountability from DonBet
When I raised these issues with DonBet support, they failed to acknowledge the seriousness of either point. Instead, they repeated standard terms and refused to take any responsibility — despite the fact that:
• They approved the third-party credit card in advance;
• They accepted deposits that should have been blocked under UK financial regulation;
• They likely disguised the nature of transactions through MCC misclassification;
• And they never raised any objection to my payment methods during the verification stage.
I’ve tried to resolve this directly with DonBet, but my concerns were repeatedly dismissed. No proper investigation was conducted, no acknowledgment of fault was given, and no meaningful solution was offered.
4. Why I’m Asking Casino Guru for Support
I am not making this complaint in bad faith, nor am I trying to shift blame unfairly. I am simply asking for fairness. I believe that DonBet failed to enforce its own Terms and knowingly allowed third-party card use. I also believe the casino, or its payment partners, misrepresented the nature of transactions to bypass card issuer security and the UK credit card gambling ban.
Both of these are serious issues, and I hope Casino Guru can help ensure they are reviewed properly. I am open to a fair resolution — ideally a goodwill refund of the deposits that were processed in clear violation of policy. I’m also happy to provide supporting screenshots, bank statements, or verification documents if needed to support my case.
Thank you again for your time, and I appreciate your assistance in helping me reach a fair outcome.

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