I invite you to reread what I wrote previously. I also told you how to trace the payment provider that processed the transactions.
Cardaq refunded me
Mlsys
Art Horizon
Wvox
MSP
I can't tell you if they process for other merchants. So don't contact Cardaq unless you know for sure who processed your payments.
I'm still looking for:
Cybgeu
Cobea
Hupeiwe London
Reint London
Framos Glasgow
Payacctopup London
I have contacted other payment providers but they are either unresponsive or refuse to cooperate.
Wordline, which operates Paymentiq (Bambora), processes the most payments, but they say they can't refund them. The same goes for Taslink (Paylink.ua) and Qostiq.
Justipay also processes many of them but does not respond.
In reality, all payment providers can issue refunds by contacting the merchant. If they deny the refund, it's because they don't want any problems.
The only providers that refund are those regulated by the FCA, as they are at high risk if they receive complaints about these things since they handle payments for illegal casinos.
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