Question about Gambling websites with Curaçao license using incorrect Merchant Category code (page 160)

Hi

anyone come across Virtpay.net ?

Grottobook still makes a good impression on me. They have found transactions, now I just need to identify myself and then they will send the money back. I will keep you updated.

Have they said that they will refund you the money ? They said the same to me and after I identified myself they changed and Said

1) It was performed via 3ds terminal, i.e. this transaction was confirmed by the cardholder via SMS;

2) We provided a service to the user who paid with this card for this purchase.

Perhaps you gave your card to someone for payment on our site and confirmed the purchase. Of course, you can appeal to your issuing bank to challenge the transaction, but the fact that the transaction was made on the 3ds terminal automatically plays in our favor.

Do you notice the contradiction? If they found your transactions, then you provided data that identifies you.

They could troll you a lot with this, then a later chargeback is impossible. Then they show your documents and then you're screwed. A refund from their payment systems is done with a mouse click...

Don't hold your breath you will get a generic response saying the bank will side with them we have all been in this position with these scum bags. They will just ignore you. Once you have sent do not send personal details over with name and address on

Anyone else dealing with TransferOp and PayOp? My bank have decided in my favour but stated they cannot return the funds as there's no money in their bank account that they can return.

Don't know what to do now.

Who did you bank with?

Are these not just the middle men the payment processing for the merchants I am confused????

Yes, they're accountable though. They're responsible for doing due-diligence, risk assessments and AML. They're accepting payments on behalf of these companies, effectively shielding them from our banks and credit cards by providing a false and completely incorrect merchant category code.

As a result they're supporting the illegal gambling companies with MCC fraud, transaction fraud and money laundering.

I have just looked into them they must have funds as they have numerous locations and obviously charge fees so either their hiding their funds or bank is BS

The magic word is cryptocurrency.

You pay in the casino, the money goes to your Payop account and the casino receives crypto from Payop, and the money is already gone from your account

update, instead of merchant category code 7995 (gambling) my transaction was filed under MCC 5816 (digital goods, games) (this is what a transaction on the xbox store would be listed under for example) how would i go about proceeding? that coupled with evidence the casino is unlicensed and has been sanctioned in multiple countries for doing exactly what they did above (incorrect merchant category code) and using multiple urls to circumnavigate website blocks? i've managed to get my bank to reopen the investigation, so wondering how to proceed next

If I'm not mistaken, digital goods are excluded from chargeback, as is gambling. If you're unlucky, your bank will be strict and stop cooperating.

Not true, not in the UK anyway, plus I didn't receive any digital goods, plus there's the issue of the fact they used the incorrect merchant code on the transaction to circumnavigate the fact they're operating illegally in the UK (against mastercard ToS, not to mention the law), as they've been sanctioned for doing the same in other countries (i've got evidence to support this) i think i've got a chance here.

you have to be licensed by the UKGC in the UK under the gambling act 2005, they aren't licensed whatsoever and are actually prohibited from operating at all in the UK, they've got web blocks on their website to enforce this, but use multiple URLs to avoid these blocks (i have documents from the ACMA, and a couple from Spain/Sweden supporting this) they've used a different merchant code to circumnavigate the fact they're operating illegally and i've even linked a couple of these codes to "businesses" one even operating in the UK as an electronic goods store. I'd say i've got a chance.

i'm also considering reporting this to the relevant authorities (police, relevant gambling commissions) on top of whoever else, Reuters did a report on this exact thing happening a few years back so i'm sure they'd be interested in all of this aswell, hell, there's probably a few other media outlets who'd report on this (wasn't too long a BBC investigation was put on air in the UK about curacao based businesses acting illegally)

Candapay.io also said they wanted my passport to verify me and confirm authenticity before they respond. Anyone else had a refund from them.

Sorry I know ages ago but what email did you use as they arnt willing to help me without bank stepping in which they won’t plesse

Hi how did you contact them please

Revolut have refused my Chargeback for digital goods (nfts) as they said it was a money transfer!

Did you provide proof it wasn't digital goods you purchased? i'd try an ombudsman and compile as much evidence you can in your favor, my banks re-opened my case after initially refusing the chargeback. Not even provided half the evidence i've compiled, had to ask them for an email to forward it all to as the app wouldn't upload any of it quick enough