Question about Gambling websites with Curaçao license using incorrect Merchant Category code (page 101)

Hey everyone

I wanna share my story with you all, and maybe some of you can give me some advice or tips.

I'm a gambling addict and I've been blocked from all the Swedish-licensed casinos. Even though I'

m in therapy for my gambling issues, I had a mental breakdown and registered with Tsars. They let me play and even verified my account. Tom make my story shorter, I ended up spending like 5000 EUR there. For some, this amount might not be much, but it is to me. 

Here is what I tried to do to get my money bac:

 1. talked to the casino: They told me it was my responsibility to use their services or not. They don't care about people at all. I stopped talking to them cause it was clear they weren't going to understand me. They only care about money, sadly…

 2. reported to the police: again, to sum up - they did nothing since the casino isn't based in Sweden.

 3. Reached out to my bank (Swedbank for those who wondering) and requested a chargeback: Since my deposits were recent, I thought it might be possible to get my money back. Instead my account was frozen, and despite providing explanations and evidence, including communication with the casino and transaction history, no actions were taken against the casino. There's an ongoing investigation but from what I've heard the chances of getting my money back are close to 0.

This whole situation makes me even more desperate. I don't like to complain much, but after reading through this forum thread, it seems there aren't many other ways to get funds back. Lucky those who managed to recover their money.

Do not quite understand what you mean. Have you requested a chargeback on the grounds that you are addicted to gambling and that the casino let you play, or what did you write to the bank do you mean?

I have also made a lot of complaints. However, I have not had my account frozen or locked. It might come, either way I don't really care about it. I haven't done anything illegal. I am still waiting for a response from the bank as the case is "in progress".. But I also sent all the communications I had with the companies, also told that some of the companies paid back. You have to try to do the best you can and get the bank to understand.

Recommends everyone to call the bank and talk to them instead. I did and received great treatment.

Were you one of those who had Mail for stickers?

No sorry! I put this down by emailing the scam companies pretty quickly. Took too much energy and time, you also became a bit obsessed with it. When you then got your hand cold, you got the same feelings as when you lost the money. I went through the bank instead. However, I got a sick amount from elegro and they were the only ones.

Yes, just as well. I don't understand why so many people are freaking out about it. But I have reacted to quite a few new accounts that arrive and warn that the bank has frozen the account, etc., etc

Anyone with genuine info and a template able to speak over email? I have loads of these but other than speak to bank I'm not really sure where to start

Rabidi NV filed bankruptcy! Check the casino previously under their control. They are now operating under a new company in Curacao!

cheat players, steal money, file for bankruptcy and continue to do the same under a new umbrella!

as simple as that

any information about:

Enigma Budapest

Ecoprism Luxembourg

thanks

Revolut appears to be moving forward with disputing now. Don't mention anything about casino games because then it's difficult to explain, as they interpret it as meaning that you haven't been cheated, they follow Mastercard's and Visa's rules.

They don't seem to understand this with incorrect merchant codes unfortunately, have tried to explain this to them before without success.

Since these companies ignore and don't want to help, it's just a matter of charging them, then it's up to them to show a receipt.

say it like it is about these companies when you dispute, you have not received a receipt or any digital service delivered, whether it be video games, pictures, cs skins.

"I want a refund" then "I have not received an item"

You can also go ahead with companies you can't find information about, I did that with my Ticketzone and Ewave transactions and didn't have to explain, but they went ahead directly for dispute.

Just choose the same and click on a day for contact, then you choose that you do not have proof and move on, there you choose that you cannot find contact information for the company.

The only ones I haven't been able to proceed with are previous transactions that I chose as fraud, then you don't get a second chance from Revolut.

Also, some transactions do not work to contest for a refund, including Quickbit (deposit and Goriwire), so I can't do anything with them.

Same with Tsinda (says it's a money transaction and can't be disputed)

I contacted bank and requested a chargeback cause Im addicted, casino did not help me at all. Contacted police, but they didnt assist as well, the casino is not Swedish and they couldnt help me. bank just froze my account. The situation is extremely unfair and i dont hope much about solving anything here anythmore

The providers are protected by the Visa / MasterCard guidelines, it feels like the VISA / MasterCard guidelines are above the law. As a consumer, you are screwed, the providers can launder money with almost no problems.

In Germany, credit card payments are particularly protected. Authorized transactions are only replaced under certain conditions. Banks very rarely refund such a secured transaction because the bank is liable if the opponent wins the chargeback. Therefore, the funds are usually not credited or the result of the chargeback is awaited.

If a transaction is not protected by 3DS, the merchant is liable. When I read that someone has authorized more than 40 transactions, it is clear why the banks are not reacting. Checking and complaining about 40 transactions in the MasterCard system is complex and time-consuming.

The banks believe that the payment is authorized; in addition, the person has received something in return, even if the card shows otherwise. There is no evidence in the form of invoices, so it is impossible to initiate a chargeback. From this point on, everyone should understand what this is about.

But on what grounds do you mean you would get the money back? The casino cannot know that you are addicted to gambling, if you have not told them. So the follow-up question is also - what did you try to report them to the police for? And finally - on what grounds did you request a charge back from the bank/what reason did you give?

It's not about whether you have been addicted to gambling or not. It is a technicality in essence - the merchant is deliberately obscuring a transaction type to be retail when in fact it is a very high risk gambling transaction. This is a direct contravention of the rules set by Mastercard/Visa. It is also grounds for a player to say the merchant is not recognised and ask for a refund.

It is also grounds for a player to say the merchant is not recognised and ask for a refund.

However, the transaction was usually verified by the banking app, so the banks take this as recognition of the transaction. If you play at 123 Casino and see something else on the app when confirming, you would have to decline.

Doesn't really matter tbh. If you can show you did not receive anything from the merchant then that's pretty much good enough. Getting banks to understand what is happening is the toughest part.

Does anyone have any news about a revolut chargeback where you have been 100% honest? Would you like to know if the recovery was successful? Is it still pending? Or the end of the revolut investigation?

Have 2 pending with Musicreverb...will let you know how it goes

On March 31, 2024, I asked Noda (Naudapay) to block my bank IBAN so that no more transfers could be made to casinos via their payment provider.

I received a confirmation email from them that my IBAN was blocked.

Last week I managed to deposit more than €4000 on Betplays via Noda instant bank transfer.

I sent a complaint email to Noda who notified the casino, which immediately blocked my gaming account without refunding the payments.

Has anyone had similar experiences?

In these cases what should I do?