Question about Gambling websites with Curaçao license using incorrect Merchant Category code (page 1,253)

How long did it take for Kryptonim to refund you

A55 TECH / A55 PAY SAME COMPANY

Was paysera for me (look them up online) they refund

They replied...

Dear customer,

in addition to our previous clarifications, we wish to address your recent doubts:

I was never informed, warned, or shown any confirmation that the transaction would involve purchasing or exchanging for cryptocurrency. No wallet address prompt, KYC step, or crypto disclosure appeared during the process. The service was not provided as reasonably expected, and no valid informed contract was formed.

You have interacted with our checkout widget and explicitly approved our platform's terms and conditions by placing an order to exchange fiat currency for cryptocurrency. The transaction details were available for your review before authorization. Here is an illustrative sample

The payments were coded under MCC 6051, bypassing my card issuer’s active gambling blocks — a clear violation of card network rules for which Kryptonim, as the merchant of record, is responsible.

Kryptonim Sp. z. o o. provides solely an exchange of fiat funds (either by the use of a credit/debit card or through open banking) for cryptocurrency. Thus, all transactions processed by the company are categorised under the 6051 MCC code. The Merchant Category Code (MCC) assigned to our transactions is fully compliant with Visa and Mastercard regulations, and we do not alter MCC classifications to bypass banking restrictions. Any claims suggesting otherwise are unfounded.

With regard to your request for a refund, our position remains unchanged.The transactions you authorized were executed in full compliance with your instructions and our Terms and Conditions available on our website. Kryptonim has fulfilled its contractual obligations, and we established that no grounds exist for the requested refund of the exchanged funds.

Kind Regards,

Kryptonim Customer Support

That list was all i was refunded by

Hi elena cnsl notnrefunding me either weird isnt it

Sorry yer

Info@bieslinks.com

YOGA ESSENTIALS I HAVE THERE DETAILS ANYONE NEEDS THEM JUST GOT REFUNDS TODAY

Did anyone get lucky with img vibes or sp wallet?

Sorry, I’d rather not 🙂 did you guys get anywhere though?

Please can I get your email address

They must be joking they told me my transaction was 120 days old so couldn’t help me how dare they threaten you

I need refunds with mmtempo, imgvibe. Teqcors, digitlid, csstonli, eudos, and more il put a list down again if anyone could help

That’s entirely up to you no pressure it’s just some people in here could be linked with casinos or merchants by creating fake accounts so it’s hard .

This has to be a joke. Let's see what they answer me, I'm currently waiting for a response. I'll let you know then.

Yes of course! 🙂 did you guys get anywhere with img vibes/sp wallet etc?

No still in search 🙁

Thanks

Another reply I sent..

Dear Sir/Madam,

Thank you for your response.

However, I must formally dispute your position for the following reasons.

Firstly, I do not accept that I entered into a clear and informed agreement to purchase cryptocurrency.

At no stage was I presented with a wallet address input, blockchain transaction details, or any meaningful confirmation that cryptocurrency was being delivered to me. There was no effective KYC process completed that would ordinarily accompany a regulated crypto exchange transaction.

The absence of these fundamental elements strongly indicates that no properly formed or informed contract was established.

Merely stating that terms were "available" within a checkout widget does not satisfy the legal requirement for transparency and informed consent under UK consumer protection law.

A valid contract requires clear disclosure of the nature of the service being provided. That standard was not met.

Secondly, regarding MCC 6051, while you state that this classification is compliant with Visa and Mastercard rules, the practical effect of coding these transactions as quasi-cash/crypto transactions was to circumvent my bank’s active gambling block.

The underlying purpose of the transaction was not a genuine retail crypto investment initiated independently by me, but rather payments connected to an online gambling platform.

As the merchant of record, Kryptonim Sp. z o.o. remains responsible for ensuring that transaction coding accurately reflects the true nature and purpose of the payment flow.

If you maintain that you provided a legitimate crypto exchange service, then please provide:

The exact wallet address to which the cryptocurrency was delivered,

The blockchain transaction hash (TXID) for each disputed payment,

Evidence that the wallet belongs to me

Records of any KYC verification performed in my name

Without this evidence, your assertion that a completed crypto exchange took place is unsupported.

Given the above, I reiterate my request for a full refund of the disputed transactions.

If this matter cannot be resolved promptly, I will proceed with escalation through my card issuer via chargeback, and submit formal complaints to the appropriate regulatory and supervisory authorities in your jurisdiction, as well as relevant card network compliance channels.

I remain willing to resolve this matter amicably, but I require either (1) documentary proof of the completed crypto delivery as outlined above, or (2) confirmation that the refunds are being processed.

I look forward to your prompt response.

Kind regards,

Kryptonim are involved in 90% of the sites online loads of them they refunded me and were very sympathetic about my addiction issues but it is a bit of work to get there I got £8000 back ages ago