Question about Gambling websites with Curaçao license using incorrect Merchant Category code (page 257)

If there’s anything I can do to help I can like research wise for you

Reposting incase you missed it 🙂. Just wanted to ask how and what you said to canapay to get your refund please thanks

Ok no probs thanks I think I may be ok its just the fact the bank got me so much back then I lost a chunk again doing the same thing it may be ok just waiting on my chargeback complaint reply its been a week now longer than last time for a reply that does not mean its bad they may be raising them but if rejected i need to appeal it then its the FOS but I did have a gambling block on and asked them to close the site due to gambling and they ignored it so totally rogue site plus they have never replied to any emails so plenty of ammo what goes against me is doing the same thing again but Zopa credit card did them twice so its easy done both for big amounts and several transactions

I know the feeling mate been down that road myself but with this happening to me I am done with gambling and wasting my money

Ah sorry mate. People are writing and quoteing me all the time and I just not see everything.

Max@canapay

I have been in contact with the police office in Zadar as well as the porezna uprava (IRS) in Croatia because even its a small amount we are talking about this is a cause of fraud.

As someone struggling with gambling addiction, I had placed a gambling block on my account several years ago to prevent any gambling-related transactions. Unfortunately, I recently relapsed and used my funds to play at an online casino. 

Despite the gambling block in place, the casino employed a fraudulent merchant to disguise the true nature of the transaction, thereby bypassing the block by using an incorrect Merchant Category Code (MCC). 

This practice, known as "transaction laundering," is in direct violation of Mastercard regulations and qualifies the transaction for a chargeback. 

The casino's intentional use of a fraudulent merchant to circumvent the gambling block is a clear breach of Mastercard rules. If the MCC had been correctly set, the transaction would not have been authorized. I took the proactive step of setting up restrictive measures to avoid gambling, but the purposeful and illegal practice of transaction laundering exploited a vulnerability in the system, facilitating this transaction despite the block. 

Although I authorized the transaction, I did not receive any goods or services from this merchant. The funds were directed to the online casino, which used this merchant to bypass the gambling restrictions on my account. The expected delivery date for any goods or services, if applicable, would be the same as the transaction date. However, since no goods or services were provided by the merchant, I am requesting a chargeback. In light of these circumstances, I kindly request that you process a chargeback for the full amount of the transaction. I appreciate your understanding and prompt attention to this matter.

It is not so much money we are talking about here so please make the refund and we can turn the page and just forget this matter.

Any idea how I'd go about the route with FOS without a gambling block on my account?

Oh amazing thank you! Did you actually get in contact with the police? I wonder if I copied this word for word I'd also get a refund haha. Thanks again, appreciate the reply.

Max@canapay.com?

Just one thing.

If you do chargeback through your bank. DONT lie and dont fake, a friend of mind did fake photoshop picture that he baut a travel from one of this fake mechants. The bank contacted the swedish police - which contacted the police in Estonia where the merchant was. And the estonian authorties investigated the case and found out that my homie faked everything. He is now facing charge regarding fraud, serious fraud...3-4 years in jail could it be.

I highly recommend you all - go through the merchant... that is the only solution. Or try to be honest with your bank but there is almost impossible to get refund from your bank if you are honest. 0.1% of all people here have been lucky that way...

Try to edit it a little bit - yous chatgpt bro!

If you write exactly the same the risk is high he will recognize it and then just tell you to go fuck your self ha ha ha

I did think that haha! Did you actually contact the police and is it max@canapay.com? Will get writing an email tomorrow! Thank you!

I know you think that mate but it bites back again im doing my best now one to one meetings with gamcare advisor referral that last an hour never did this before so taking it seriously and trying when you have that money its hard to repel it

Well done mate for getting the help. You will get there just need to keep moving forward if you feel like relapsing get In touch with this forum and I am sure you will have loads Of support from everyone here

Thanks good to know yes deffo need help its 6 sessions of 1 hour i need help regardless of getting the money back or not to have a future so im hopeful it all comes good

You got this my friend positive thinking brings positives outcomes remember that

I know thanks a lot mate for the support appreciated !

If (after searching) you cannot find website/email address linking your transaction description to a merchant or payment processor how can you lodge a chargeback? Banks/credit card providers obviously want you to provide evidence you’ve tried to resolve prior to chargeback? Or does this ironically support your case highlighting the company doesn’t even exist?

Any help appreciated.

Nikotpf active web was used for goldenbet when i depo'd with them, not sure if slotmonster is under the santeda international umbrella.... makes me think these 'casinos' are more linked than they're letting on

Did you manage to contact them? If so what was the outcome please? And yeah probably all linked in some way!

If anyone is looking for mastertools, it’s mastertoolsmania.au. It’s connected to my delivery somehow as well if you look at the website.

Marat Mirzabalajev is behind that one.

I hope you all get your money back and that the banks start taking responsibility when complaints are made. I will end Revolut now, as they never take complaints seriously. Have a goal with Swedbank about Partbusters, but it feels difficult to win it when you don't have proof or a receipt. Banks refuse all the time when it's easiest for them. I keep getting back that it's a payment processor. Yesterday I contacted Orangeshop.com.cy when it was on the withdrawal, they replied and wrote that we have nothing to do with the transaction. Since it says on REVOLUT that this is where the money has gone and they are not involved, it is difficult to find the mafia. Also contact spaceedge.io but the person who owns the place said I should contact Swedbank and solve it that way. They know that the banks do not spend time on small amounts for us ordinary people with average salaries. Also reported Quick bit to the Swedish Financial Supervisory Authority for money laundering with all their sewing sites which they say they are not involved in. But I hope you fight on!!!