Question about Gambling websites with Curaçao license using incorrect Merchant Category code (page 323)

I reckon its down to what bank it is on both fronts raising and recovery

What dispute code is that under Mastercard though - they don’t have incorrect MCC

Hi there I do not know the bank has raised them all for me

Yes looks like it

Thank you. If a manager does call me which I am told they are supposed to be, I will find out why a couple had said I was held liable & didn't even get a chance to fight them & others to the same merchant has sent me information as to what evidence the merchant has. No I haven't disputed anything on pay op but they were bank transfers so I won't be able to. Have contacted pay op but they just state the merchants have said the funds have been used & basically nothing to do with them. Don't think il ever see that money again. Thanks for your help with it all. Really appreciate

Tell your bank about the bank transfer, new rules are now in place after October 7th that they should refund you if you were scammed https://www.moneyhelper.org.uk/en/blog/scams-and-fraud/how-to-get-a-refund-for-bank-transfer-scams

Again take a read of that but say you were promised/tricked into goods and you have not received them.

This was the nonsense I got from Revolut:

ummary of events and explanation

First and foremost, I would like to thank you for taking the time to bring your concerns to our attention, so I can address and clarify them for you.In your complaint, you expressed dissatisfaction regarding a card payment of 990.00 GBP being charged to your Revolut account, as you indicated a person under 18 used your card at the casino. You wish us to further investigate, and refund you the amount lost.

You contacted our Customer Support via the in-app chat on the 4th of December 2024, expressing your concerns regarding the aforementioned issue. The agent assisting you explained that payments to gambling merchants are not eligible for chargeback disputes. However, you were not satisfied with the support you received and decided to raise a formal complaint.

Having looked into your case, I would like to provide you with a comprehensive explanation on the issue you raised in your formal complaint. Please find below the details of the transaction in question for which you have raised a chargeback with us:

 The transaction in question was performed with the Master Card, ending in *1570:

Date and Time Description Amount State 28/10/2024 21:49:29 Spaympf*skinsonly 990.00 GBP Completed

One thing to keep in mind regarding the chargeback process in general, is that it is framed by a very detailed and consistent set of rules which encompass every possible scenario relating to card transactions. These rules are dictated by the card schemes, and both merchants and financial institutions like Revolut are obliged to adhere to them.

Revolut’s primary goal when handling such requests is to protect our customers. Whatever may have happened with your card transactions, it is in our best interest to have it resolved in a way that will benefit you, but at the same time we must ensure that the aforementioned card scheme guidelines are followed during this process.

You can find more information about the chargeback process in our Help Centre article:[ Dispute process and timelines | Revolut United Kingdom |https://help.revolut.com/help/card-payments-withdrawals/refunds/how-does-the-chargeback-process-work/]. 

The process includes two kinds of claim, which are:

Fraud Chargeback: applicable in cases where a transaction was not performed with your authorization, and the details had not been shared with the merchant in question. Therefore, our Chargeback Team needs to verify if the conditions for Fraud Chargeback claims are met.

Dispute Chargeback: applicable for situations where, for example, goods or services were not provided, duplicate or multiple charges for the same purchase, subscription fee was charged after the customer has cancelled it. In such cases, our Chargeback Team gathers the information proving your case and presents it to the merchant and the card scheme, where, upon developments of the case, the decision is made.

Your case in specific was a dispute Chargeback, and the case was handled accordingly.

On the 4th November 2024, our chargeback team reviewed your dispute claim for the transaction performed, and the case was rejected on the same day and in relation to that, you received the chargeback negative outcome of the case via email.

When we examined the aforementioned transaction, we were able to confirm that it had been carried out with a genuine merchant who offers specific services. Therefore, the service that the merchant had to offer and provided through Revolut was in itself effective. This indicates that, despite the possibility of what may have occurred after the consumer received the services, the elaborate scam occurred after the transaction and not during the purchase process. Taking the above into consideration, Revolut is therefore compelled to reject your chargeback request because it is not considered as valid under the card scheme rules.

Our view

In light of my findings above, I can confirm that the chargeback claim was rejected in accordance with the aforementioned Master card scheme, therefore I have decided not to uphold your complaint.

Be that as it may, please allow me to clarify that, by not upholding your complaint, I am not dismissing your negative experience. It simply means that, from an objective point of view and to the best of my knowledge, Revolut has not acted unfairly on this occasion.

Off to FOS then? Revolut appear to be terrible at these chargebacks

Yes mate I have already sent the 1st one to FOS but Revolut keep coming back with the same one transaction and completely different info story ? no reply still to the 2nd complaint its a joke im sure to get something for the botched complaints anyway ! the FOS suits me 😏 I think I will give up chasing Revolut

It would be easier if they just chargeback and then see if there are any challenges which there won’t be certainly not on incorrect MCC

I got the exact same answer before when I tried, they don't seem to care at all unfortunately.

Have reported them to all the places that go, hope you do the same.

Feels like all the answers you get from them are copy/paste, and then they feel they are done with the case.

I sent a letter to their bank in Lithuania that they refer to in all these emails they sent us, and guess what?

The letter was returned to me after several weeks marked "not claimed"

So they have completely ignored my case.

I know mate but I see how hard it is for others now and its sad ! Revolut obv work alongside these sites as they are taking the p**s ! The site had Revolut as a payment option !

Ok yes it is terrible I never even said that is what happened ! I have replied back copying in the FOS I sent 3 emails and have now backed off as not wanting to swamp the FOS

Mine were before this date 😩 absolutely gutted

Still worth raising it - Before 7 October there was a voluntary code for banks and payment providers. This meant that there was no mandatory requirement for banks to refund victims of APP fraud. 

What’s the worse they say no? I would see what it is allegedly they sell and say you wanted to purchase they said bank transfer and nothing arrived.

This is where this is hard. I didn't actually think about this as I don't understand a lot about it but Payop openly let you deposit to casinos. When I deposited, I always got an email to state where my money went so I wouldn't even be able to fight it. I don't understand though as the casinos in question I didn't think could legally accept uk players as they hold no uk gambling license so I don't understand how they can legally do this. This is my biggest one & would be life changing for me to be able to get my money but this is obviously the one I wouldn't be able to fight either. They don't disguise any payments so it's strange how they can do it & get away with it.

@Paul any experience with PAYOP and their terms saying cannot be used for gambling?

I have £8000 worth ive been told its a waste of time contacting them and the bank said they cannot do chargebacks on money transfers when they did the last lot of my chargebacks