Question about Gambling websites with Curaçao license using incorrect Merchant Category code (page 153)

I received a response today from Curve bank. I also spoke at length to a friend of mine who works mid level at a bank. Curve said to me that they have gone ahead with the chargeback request for 12 payments totalling £8000. They stated that they had to talk to someone at mastercard regarding the regulations and that they were interested. Nevertheless chargeback initiated. Spoke to my friend who stated that if there is any pushback then the offshore casino will have to declare themselves and the bank will have to report them to the NCA, FCA and UKGC which will go after the casinos as opposed to the vulnerable players. From a legal point there is zero that the casinos can do to players who they have defrauded and targeted. I urge everyone to read the Visa and Mastercard rules, speak to your bank and contact action fraud with the full story and get a reference number. Its up to you if you want to contact the merchants to give them an option to refund, but especially in the UK the rules are clear and in your favour.

Three questions.

My first question.

Has anyone had success with a chargeback from a Swedish bank? I have been waiting a month for Swedbank's response.

Has anyone had success with Grotobook/mydates?

Last question. Can you make a chargeback from Revolut if it explicitly says "Winzie" on the transaction, if the answer is yes. How do you go about making a chargeback on Revolut? I can't really find my way around the app.

Yes - I charged back with Revolut but then they sadly closed my account. You just click the transaction I recall? Or ask on the chat.

I need help with MYDATES too! I contacted Grotobook and MyDates but they said it isn’t them and it’s a front

No I gave the casino the opertunity to give me the deposits back from.when I requested account closure and they ignored my request and allowed me to deposit 1400£ in less than 12 hrs I played for 24hrs straight until I fell asleep in that 24hr period and £700 of total dead spins, I only ever play 1 game on any site big bass splash keeping it reel so I am very knowledgeable on how game plays. I was playing €1.05 a spin as I said €700 of dead spins so I knew something was up as I should have definetly got a bonus as the bonus extra was on

I came out of game only to find I wasn't even logged in I was seething when I logged back in the wins where so low pittance on bonus round 0.70 2.40 and 8.90 9.20. When I found out they didn't have a licence and the bank flagged these weird transactions and they never closed my account after I wrote an email telling them. I had serious health issues and suffer from. Mental heath and to shut my account straight away and they didn't. They are illegally committing a breach of their licence and I want my deposits back as they took. Money by fraudulent activities as I had blocks ony account they ignored my numerous emails after a number of attempts. I even linked the emails together with the merchants customer service that I found and they never responded either. So 5hey had their chance to rectify the situation. So it's now all of them.

I totally understand your frustrations. It seems Santander has now processed your chargeback request so this should all go smoothly you just need to be patient. I dont think you will get any issues but should something come up go to your GP for the mental health side of things so its on the record so if there is any push back you can complain to the Financial Ombudsman Service who will force Santander to do the chargeback due to your vulnerability. You have three months to bring any chargeback disputes at a minimum. You need to be protected by these rogue casinos and your bank needs to protect you.

For what reason do you think you should be able to make a chargeback if it says Winzie on the transaction? Or I mean, why are you even asking the question…

That's handy to know as I haven't had a response from. Them as I have over 15 transaction s from grotbooks & mydate

I am already under the mental health team.

MYDATES is processed through cosmo.tech then diverted through a company called cleanpay.

Hope this helps

Can I ask you on which page of the Visa and Mastercard regulations do I find this information?

https://usa.visa.com/content/dam/VCOM/download/about-visa/visa-rules-public.pdf

https://usa.visa.com/content/dam/VCOM/download/merchants/chargeback-management-guidelines-for-visa-merchants.pdf

Page 40 is very relevent.

https://www.heartland.us/resources/blog/everything-you-need-to-know-about-visas-surcharging-rules-to-protect-your-small-business

Re fines that visa will impose if informed.

https://www.chargeflow.io/blog/mastercard-chargeback-reason-codes#:~:text=Mastercard%20chargeback%20reason%20code%204849,Merchant%20Audit%20Program%20(GMAP).

This is an interesting read, So what I get from it is all Gaming sites that are registered off shore Caracaco Costa Rica ect. Should have a merchants account for that site to except players deposits . Or am I reading this wrong? https://fastoffshore.com/offshore-bank-account-2/gaming-merchant-account/

Thats correct, but as these are shady casinos who dont want to reveal who they are and not pay tax and not follow the UK and EU regulations they operate in the way they do. The one thing that they cant wiggle out of is the huge fines that can be imposed to them by Visa and Mastercard.

Thank you very much, it's very interesting!

We have no updates for now.🤷‍♀️

Who were these casinos that asked you to take down this thread?

Is there a way to proceed with some transactions on Revolut that have been declined due to initially choosing the wrong option such as fraud?

They refuse to contest a part for repayment, even though it is exactly the same company with which they proceeded with the other transactions.

They just say the same thing that their decision is final and that it is not the result I expected.

I have explained to them several times that I have not received any goods and according to Visa I have the right to dispute, but they refuse.

You need to explain to them that there was some confusion initially. Make a formal complaint and ask them for the escalation process. In the UK we have the financial ombudsman, not sure what they have in the rest of europe. Normally a formal complaint to the bank resolves these minor issues.

Today I spoke to a friend of mine at great length who works for the federal government in Canada. If these casinos do not refund or settle there are allot of options available. Going to wait and see.