Question about Gambling websites with Curaçao license using incorrect Merchant Category code (page 218)

Has anyone took complaint to the financial ombudsman please ?

No. Unfortunately not. You?

Should I write again?

Hey, for those of you from the UK and used a credit card to gamble.

Gambling with a credit card was made illegal from 2020 onwards to protect consumers from problem gambling.

Who's responsible in the cases where credit cards are used?

1. The gambling site

2. The payment processor

3. The credit card provider

4. The credit card holder

Surely the blame can't solely lie with the credit card holder?

GOOd morning, darling , I play with debit card, put your procesor in bin..

Anyone had peraramp come up on statement? Can’t seem to find any information on them

Hi

anyone come across Virtpay.net ?

Grottobook still makes a good impression on me. They have found transactions, now I just need to identify myself and then they will send the money back. I will keep you updated.

Have they said that they will refund you the money ? They said the same to me and after I identified myself they changed and Said

1) It was performed via 3ds terminal, i.e. this transaction was confirmed by the cardholder via SMS;

2) We provided a service to the user who paid with this card for this purchase.

Perhaps you gave your card to someone for payment on our site and confirmed the purchase. Of course, you can appeal to your issuing bank to challenge the transaction, but the fact that the transaction was made on the 3ds terminal automatically plays in our favor.

Do you notice the contradiction? If they found your transactions, then you provided data that identifies you.

They could troll you a lot with this, then a later chargeback is impossible. Then they show your documents and then you're screwed. A refund from their payment systems is done with a mouse click...

Don't hold your breath you will get a generic response saying the bank will side with them we have all been in this position with these scum bags. They will just ignore you. Once you have sent do not send personal details over with name and address on

Anyone else dealing with TransferOp and PayOp? My bank have decided in my favour but stated they cannot return the funds as there's no money in their bank account that they can return.

Don't know what to do now.

Who did you bank with?

Are these not just the middle men the payment processing for the merchants I am confused????

Yes, they're accountable though. They're responsible for doing due-diligence, risk assessments and AML. They're accepting payments on behalf of these companies, effectively shielding them from our banks and credit cards by providing a false and completely incorrect merchant category code.

As a result they're supporting the illegal gambling companies with MCC fraud, transaction fraud and money laundering.

I have just looked into them they must have funds as they have numerous locations and obviously charge fees so either their hiding their funds or bank is BS

The magic word is cryptocurrency.

You pay in the casino, the money goes to your Payop account and the casino receives crypto from Payop, and the money is already gone from your account

update, instead of merchant category code 7995 (gambling) my transaction was filed under MCC 5816 (digital goods, games) (this is what a transaction on the xbox store would be listed under for example) how would i go about proceeding? that coupled with evidence the casino is unlicensed and has been sanctioned in multiple countries for doing exactly what they did above (incorrect merchant category code) and using multiple urls to circumnavigate website blocks? i've managed to get my bank to reopen the investigation, so wondering how to proceed next