Question about Gambling websites with Curaçao license using incorrect Merchant Category code (page 1,649)

Another thing I'm wondering about is CNPCTO. There was a report of refunds associated with Walleto, but is there any evidence those refunds were actually credited to the cardholders rather than simply marked as processed?

The available response window depends on the card scheme and the dispute stage. The important thing is to ask the bank for the deadline as soon as representment evidence becomes available. Waiting for an ordinary account update could be risky.

Another distinction is whether a service was delivered or simply activated. A merchant might show that an account was created, but that wouldn't necessarily establish that the disputed service was supplied as agreed.