Question about Gambling websites with Curaçao license using incorrect Merchant Category code (page 1,590)

Yes, I’ve come across both tokdom and paypay as well. From the information I’ve received so far, they also appear to be connected to Xpate, although I’m still trying to identify the actual merchants behind the descriptors.

If I manage to get the MCC or merchant details from my bank, I’ll post them here.

Yes, I’ve had that happen in several Xpate chargebacks. In some cases, the documents they submitted contained information that didn’t match the transactions I was disputing. I pointed out the inconsistencies to my bank and challenged their response.

A few of those cases were eventually decided in my favour and the money was returned. I still have others pending, though, so it can take quite a long time.

Perfect, thanks. It’ll be interesting to compare what our banks provide for SIS Art Union and Horizon Land.

I’m particularly curious about the MCC and whether the same acquirer appears for both. If either of us gets confirmation that Xpate or another processor is involved, at least we’ll have something concrete to work with. I’ll update you when I hear back.

At least that first successful chargeback is a good sign. Hopefully the others follow the same way.

It’s disappointing that Walleto still isn’t giving you anything useful. Have they actually responded to the chargebacks themselves, or are the cases just progressing through your bank without any response from Walleto?

Thanks, that helps. I’ll focus on FOLVEX, SALDRO and PELVAN first then and ask my bank for the ARN, MCC and acquirer details to confirm the Xpate connection on my side as well.

If you happen to find anything on VELTOR, KREMIX, DARNIQ, QENTAR, MERVIK, NORTIQ or ZERMON, especially contact details, please let me know.

Absolutely, I’ll let you know as soon as I get anything concrete from the bank. Visual Mill is the one I’m struggling with most at the moment.

I’d also like to establish whether Visual Mill, XOR Visual Layer and Art Solution share the same acquirer or whether they only look related because of the way the descriptors are presented. Hopefully the MCC and Acquirer ID will make that clearer.

Will do. At this point I’m especially interested in whether anyone has actually managed to recover funds from Art Solution, XOR Visual Layer, Visual Mill or Hexo Land, either directly or through chargebacks.

Identifying the acquirer is useful, but ultimately I’d like to know which route has actually worked for people. If I get anything concrete from my bank or manage to recover any of these transactions, I’ll update the thread.

Sure, I will. I’m curious myself to see what Xpate actually provides under the GDPR request and whether they identify the merchant or just give basic transaction data.

If I get anything useful on tokdom or jusski6, especially an ARN, Acquirer ID/name or MCC, I’ll post it here as well.

Thanks, that makes sense. I’ll ask my bank for the full transaction data rather than relying on the descriptor alone.

Do you remember who the acquirer was for Art Solution in your case and which MCC was used? I’ve seen Cardaq mentioned in connection with Art Solution, so I’m trying to confirm whether my transactions show the same payment chain.

I’ll request the same information for XOR Visual Layer as well and compare the results.

Absolutely. If my bank provides the Acquirer ID/ICA, I’ll share it here along with the MCC and any other useful details.

I’m interested in calcal and jusdot5 as well. I already have indications that they’re connected to Xpate, but it would be useful to compare the Acquirer IDs and see whether they actually go through the same acquiring entity.

Fastcoin replied to me today saying they’ve asked the site to "remind" me of the deposits

I finally got a response from Fast coin today:

Again Nick, unfortunately nothing is coming up under this email

HAHAHA SAME

honestly such a joke isn’t it. Do they not keep a record of it? or do they just not want to admit it in writing

Get in Lad. Looking positive for the 1100£ rest of them.

Yeah haha

Ayeee. They declined my remaining 2 transactions today. Makes no sense!!

Hello,

I occasionally give some tutoring regarding open-banning payments:

Safersepa:

Safersepa is Mandato; analysis of the email header revealed that the messages originate from a Mandato server. Mandato ignores emails, but Safersepa responds.

Impaya:

Ignored communication, but issued a refund on behalf of the casino.

Paydmeth / Paylink.com.ua:

Anyone who has Paydmeth in their HAR or payment history should contact Digimeth; they have a portal.

portalt.paydmeth.com leads to Digimeth. Anyone who sees FinAI on their bank statement is welcome to contact them.

Both parties involved are limited in their communication, blocking all attempts to contact them and showing no response. Novapay also plays a significant role, though they claim to be uninvolved. Whether it's a gateway, an acquirer, or something else entirely, the payments seem to be routed back and forth through 23 gateways – a clear case of smart routing.

Aeropaylink is also paylink.com.ua 🙂

ISX Financial:

They are joining forces with Saltdege and Finorun; refunds are quite possible under high pressure.

Ivy alias Augustus:

Passpoint is supposedly no longer a customer, all accounts closed – who believes that? IVY usually appears in connection with Yapily.

Perspecteev SAS:

Behind this is Bridgeapi; you receive a confirmation message that the complaint has been received, but you receive no further feedback. There are apparently already investigations underway against Perspecteev.

It therefore helps if everyone who has come into contact with the affected individuals writes a report to the relevant authority so that they finally wake up.

One more thing, I almost forgot:

Anyone who contacts Astercard or VISA to locate the acquirer:

This will be rejected. VISA and Mastercard are not obligated to provide information because there is no contract with the cardholder. The cardholder is connected to Visa and Mastercard through their bank.

The acquirer identifier is only disclosed to the bank. Even if the acquirer is disclosed, they usually refuse to provide further information, stating: "There is no contract with you as the end customer; please contact the bank."

To get to the acquirer, one would have to submit a trace request via one's own bank to Visa and Mastercard; some banks shy away from this effort.

Banks usually see what you see: merchant name, date, and amount. And the ARN. The bank would then need to submit the trace using the ARN. The ARN is issued by Mastercard and Visa to track the payment within the network, including refunds. If the acquirer receives it, that's lucky. If the acquirer responds, that's lucky.

Here are a few more PSPs that process payments:

Simpleracoin:

They replied that they would issue a refund, but nothing arrived. Chargeback successful. According to the bank statement, Palwallet is also involved.

Kryptonim:

They issued refunds for a while, but stopped because it became too frequent. Chargebacks were partially successful. In one case, they agreed to a refund from the bank. The transaction appears on the bank statement as KTM.

Segopay and similar systems are somewhat more complicated. It's more intricate. It's an orchestra with an acquirer connection.

Cardaq:

Ombudsman proceedings are underway, likely with a negative outcome, because, as described above, there is no contract with Cardaq. Details are being withheld due to the pending proceedings.

How can i get refunds from ISX financial. Also how can you chargeback open banking for kryptonim?. Please email me at xkboii21@gmail.com