Question about Gambling websites with Curaçao license using incorrect Merchant Category code (page 32)

If you did that, just say you authorized the payment for goods or services and you did not receive anything. They have no evidence of giving you something. You’ll get your money back

I’ll give you an example. Destream was one of these fraud websites. I said that I tried to send a content creator money trough them and the content creator never received the money. I showed my bank evidence that Destream did not reply to my matter via email and live chat. They proceeded the chargebacks but I haven’t received my money back yet. It takes time.

Yea, a chargeback will take some time, in general, it goes to the merchant, the merchant looks at it, decides to reply on it or not. If they reply and defend it, your card issuer will look at it, maybe ask for more information, it will go back and forward a bit etc. then depending on what proof your card issuer gets, they'll make a decision.

Sometime the merchant knows they will lose the chargeback, so they do nothing, and then it will jus ttime out and the funds will be charged back automatically. Not sure how long a merchant have to respond to a chargeback but I guess about 2 weeks?

Chargebacks will also incur fee's to the merchant, which is nice to know 🙂

Might be wrong, but if they reply, I think they would just blame the merchants or refer you to your bank. I don’t think its likely they will step-in and resolve those kinds of disputes. Really hope i’m wrong ofc.

Like think about it, it seems unreasonable that Visa/Mastercard doesn’t have systems to detect suspicious merchants. I mean it surely must raise a flag somewhere when a random e.g nigerian merchant receives lots of transactions from European cards in foreign currency etc. I unfortunately think they are aware of the issues but just lets it pass cause I guess they get a % on each transaction.

I’ve gone to my bank for chargebacks on Destream and numerous other processors. My bank(Bank of Montreal) claims they will not pursue chargebacks because I am engaging in risky behaviour with the online vendors. I never gave them any background information on the casinos that used these payment vendors. I made sure they knew I never agreed to do business with the vendors or received any product or service from them.

BMO knows that fraud is happening but is not interested in helping. They claim it is all goodwill from them and if they credit it it comes out of their pockets. What a load of shit.

Do you know who processor was please?

Hello everyone. I just read the thread today and also have a lot of transactions similar to the ones mentioned. Any tips where to start? My list looks like this: MYDELIVERYY - KYCOIN- TIHEA - IWC - EXPRESIVEERA - Incrdblskns - vivxcn - PXTO - CSCANNERR - PIXTABO.COM - Several different FINS36DDC7 etc - VIRTUALBOOKSHELF - THEBOOKATTIC - DOTASCANNER - UNIDO*BTN7 - BUDPAY - gamerdir.com .  I mostly played casino most recently on www.unlimitcasino.com and www.refuelcasino.com .

Only reply I got when I spammed the b@mobilum (business email) and dpo@mobilum (data protection)

was to contact support@mobilum so I did, we'll see what happens there.

Yea, it's insane, banks have zero consumer protections.

If they were to make a chargeback, it would not be them that would be out of pocket, so they are clearly lying to you. They would retrieve the funds from the company that processed the payment, and that company would get it from the merchant.

I do agree,

They will probably refer me to my bank, or ignore me completely.

Yea, not sure how they work or what they detect really, what they let slide etc.

Of course they take a % on each transaction, but they can also earn a bunch processing chargebacks on these cases.

Hi can I ask what you said to wintermads to get this response? I've been waiting weeks for them to get back to me, I email them every day and they just ignore me.