Question about Gambling websites with Curaçao license using incorrect Merchant Category code (page 1,557)

ask specifically for "ARN, Acquirer ID/ICA, and MCC per transaction" in writing. If they push back, remind them it's a formal GDPR Art. 15 request and note the date — the clock starts running from your request.

In my own case one issuer handed over the full list (ARN, acquirer ID, MCC per transaction) after a phone follow-up, while another had already provided the same data in writing within days. So it works — just be formal and specific.

One important warning: when you receive the data, make sure you get the registered company name of the acquirer, not just the acquirer ID number. A bare numeric ID is essentially useless to you — you cannot send a complaint or a GDPR request to a number. If the issuer only gives you IDs, go back and ask them to provide the acquirer's legal entity name for each ID. That is exactly what I had to do with one of my issuers.Ask specifically for "ARN, Acquirer name and ID, and MCC per transaction" in writing, and note the date you sent the request — the clock starts running from that date.

Sorry to hear that. In my case the difference was going formal from the start: a written complaint to complaints@walletto.eu with a completed TRI form and the full ARN list per transaction attached already in the first email (obtain the ARNs from your card issuer via a GDPR Art. 15 request).If Walletto doesn't respond within their stated 15 working days, escalate:Bank of Lithuania (Lietuvos bankas) — they supervise Walletto; complaint is free, and Walletto has already been sanctioned by them this year.GDPR/data protection authority if they ignore your data requests.Chargeback through your issuer in parallel — the tracks don't conflict.The key is the complete file up front — no back-and-forth.

The fastest way to identify these: request the technical transaction data (ARN + acquirer name and ID + MCC) from your card issuer via a GDPR Art. 15 request — in writing, per transaction. The descriptor names alone won't tell you anything; the acquirer ID behind them will. If any were processed by Walletto, their support (complaints@walletto.eu ) can confirm a descriptor against your card details — that worked in my case. Then file a formal complaint with a completed TRI form attached directly.

Thanks for sharing this — this matches my experience with Decta. How long did it take from your refund request until the money was credited? And did you need to send a TRI form and ARN list with your first complaint, or did they ask for it afterwards?

Which bank did you use to help you with this? How many different transaction names were involved and how long did it take to get a response?

If you are trying to identify the Acquirer behind these transactions and potentially make a complaint against them, I recommend contacting your bank/card issuer first.

Ask the bank's card disputes/chargeback department for the complete underlying card-network data for each transaction.

Specifically ask for:

• Acquirer Identification / Acquirer ID

• Acquirer name and registered legal entity

• Merchant ID (MID)

• Merchant name / descriptor

• ARN (Acquirer Reference Number)

• MCC (Merchant Category Code)

• Transaction ID / network transaction ID

• Acquirer country

• Payment processor / payment facilitator, if applicable

Do not only ask "Who is the merchant?" The critical information is the Acquirer Identification and the legal entity associated with that Acquirer ID.

Once you have this information, investigate the transaction itself. There are several potentially important grounds for a complaint against an Acquirer:

1. INCORRECT MCC

If the transaction was actually a casino/gambling deposit, check which MCC was used.

MCC 7995 is the specific Mastercard gambling MCC.

If a genuine gambling transaction was processed using another MCC, this can be an important issue to raise with the Acquirer/card network. The exact transaction and circumstances should be documented.

2. CASINO HAD NO LICENCE IN YOUR COUNTRY

Check whether the casino was legally licensed to offer gambling to customers in the country where you were located at the time of the transaction.

For example, if you were in Sweden, check the Swedish Gambling Authority's licence register and the operator's licence status on the actual transaction date.

An unlicensed operator + gambling transaction + potentially incorrect MCC coding is a particularly important combination to investigate.

3. WITHHELD OR REFUSED WINNINGS

If the casino accepted deposits but subsequently withheld legitimate winnings, refused withdrawals, confiscated funds, or closed the account after winnings were generated, document this separately.

Keep deposit records, withdrawal requests, dates, amounts, casino correspondence and the terms and conditions applicable at the time.

This is different from simply losing money through gambling.

AFTER IDENTIFYING THE ACQUIRER

Once your bank gives you the Acquirer ID, Merchant ID, MCC and ARN, search those exact identifiers together with the merchant descriptor.

Then contact the identified Acquirer and ask them to confirm:

1. Which legal entity was the merchant?

2. What role did the Acquirer have — Acquirer, processor, payment facilitator or Merchant of Record?

3. Was the merchant registered/approved for gambling transactions?

4. What MCC was assigned and why?

5. Was the merchant authorised to process gambling transactions for customers in your country?

6. Which casino/operator was actually behind the merchant descriptor?

If necessary, make a formal GDPR Article 15 access request to your bank and/or the identified payment company for your personal transaction data and information concerning the parties involved in processing your transactions.

The goal is to establish the complete chain:

Your transaction → ARN → Acquirer ID → Acquirer/legal entity → Merchant ID → Merchant/legal entity → Casino/operator → licence status → MCC.

That is much stronger than simply trying to identify a strange merchant descriptor.

If anyone obtains an Acquirer ID + Merchant descriptor + Merchant ID + MCC from their bank, share those identifiers here (with personal/card information removed). We can then investigate who is behind the Acquirer and the payment chain.

I use both Handelsbanken and Re:member Card in Sweden.

Handelsbanken responded within a day and sent exactly the information needed to proceed – including Acquirer Identification, Merchant ID, MCC, ARN and other transaction details.

With Re:member Card, I first had to call and talk to card complaints. They then immediately sent the transaction documentation, but the Acquirer name itself was missing. I therefore had to send a separate email and ask them to complete the name.

This is important because without the name of the actual Acquirer, you won't get very far. The Acquirer ID is just a numerical identifier. In order to investigate and file a complaint against the right company, you need to know which legal entity is behind the ID.

I would therefore explicitly ask the bank for:• Acquirer Identification / Acquirer ID• Acquirer name / registered legal entity• Merchant ID• Merchant name / descriptor• MCC• ARN (Acquirer Reference Number)• Transaction ID• Acquirer country• Possible payment processor / payment facilitator

Once the Acquirer name is identified, one can begin investigating the Acquirer itself and proceed with a possible complaint. In my case, the goal is to be able to follow the entire chain:

Transaction → ARN → Acquirer ID → Acquirer/legal entity → Merchant ID → Merchant → Casino/operator.

You can then check, for example, whether a gambling transaction has been processed with the wrong MCC (MCC 7995 is relevant for gambling), whether the casino was licensed in the player's country at the time of the transaction, and whether there are other circumstances, such as withheld winnings, that may be relevant.

So my most important advice is: ask the bank for the Acquirer name explicitly. Without the Acquirer name, you won't get very far.

Why do you need to contact BLOGWIZARRO LTD?

It is registered as a software/IT company, not as a gambling operator. Is Blogwizarro actually involved in your gambling transactions, and if so, what is the connection?

Thanks for your response. Have you entered all the information you received for various transactions here or do you have a larger list that you would like to share?

What a great job you did!

I have Swedbank and have mostly been met with "blame yourself", even when I could prove that I was cheated out of my winnings. They strongly claim that if I paid with Apple Pay, it's over

They are agent top up and I think big pro , Mlsys

ive given up on refunds I’ve so much to chase but I’m not getting anywhere

Hey

Yeah transactions to a casino used that as the transaction name.

For example, I see that you mentioned HALSCORE. Out of 200 transactions in the last year, I have at least one there...

Ok so it's the merchant name. You don't need to contact them. You need to ask your bank about information for the transactions to the casino. Look at my other posts for guidance and food luck.

You have tried to make a chargeback via the bank and unfortunately they are blind when it comes to casino games.

The fact that you have paid with Apple Pay and approved with BankID only means that you have approved the transactions, nothing else.

What you need to do is first and foremost request a detailed transaction list from your bank. Then go directly through the acquirer, i.e. the company that received the transactions and passed them on to the merchant.

You will find detailed information on how to proceed and if you need help, just let us know.

If you would like to share which casino site and which Merchants are on your account statement, I can take a look and see if there is anything I can do.

Chargeback is only one possible route, and unfortunately it can be difficult when it comes to online gambling transactions.

What I would recommend is first requesting all available information from your bank/card issuer regarding every transaction made to the casino.

You may also be able to pursue the matter through the Acquirer if the relevant requirements are met — for example, incorrect MCC coding, an unlicensed or problematic operator, or other compliance issues concerning how the gambling transactions were processed.

For tips, advice and guidance, I recommend reading through my posts in this thread. I have explained the process and the information you need to collect there.

Good luck!

Check out my posts in this thread for tips, advice and guidance on how to approach this.

And don't hesitate to ask if you have any questions or need help. I’ll be happy to help where I can.

This is the name of the merchant.

Check out my posts in this thread for tips, advice and guidance on how to approach this.

And don't hesitate to ask if you have any questions or need help. I’ll be happy to help where I can.

You’re welcome to write in German if that makes it easier for you.