Question about Gambling websites with Curaçao license using incorrect Merchant Category code (page 785)

Against which merchant?

99% of my Revolut chargebacks were declined. Between 2023 and 2024 I used my Revolut card exclusively to gamble. The only casino I ever played is www.maximum.casino . This casino used (in my case) +25 merchants, some of them pretending to sell fashion items, computers, heating equipment, jewelries, shoes, books, translation services, etc. For each transaction I tried to raise chargeback under Goods not delivered, Revolut rejected my query. There's no chance to open / reopen any chargeback.

My final step is to complaint to FOS and I really don't know how to put this. Shall I be honest? I was honest with another bank about gambling and they rejected me straight away.

Did they reject them because of the 120 day rule? the 120 day rule for chargebacks can be extended under exceptional circumstances which yours is.

And for the moles and trolls on this thread?

Gambling is fair and regulated in the UK and I 100% agree! This mob are a scam and you are never getting paid out when you win.

They prey on Gamstop UK self exclusion customers and are set up to rinse them.

So anyone who comes on here trolling about a 'free roll' is a complete muppet.

I'm in the middle of my argument with Revolut however I shall be publishing all the details very soon and it;s a lot of money.

As for gambling? I'm off gamstop now, I did use kwiff but since I've seen what I gave these cockroaches its seriously made me think about my behaviour and I have not gambled since and nor do I have the urge to.

There is nothing wrong with a level playing field, I have no disagreements with that.

These? you can't win because you will never even see it.

Some of them were rejected because of the timeframe, some of them because of the 3Ds authentification. One of the merchant provided fabricated invoices, I tried to appeal it, explained Revolut that the details in the invoices don't belong to me, merchant selling fixed coin packs, i have no account with merchant, etc but I was ignored. Another rejection: I approved the transaction manually and I confirmed that I wish to proceed. Another reason: Card rules - Unfortunately we don't have dispute rights. Agree that I authorized the payments, but the goods or services never been delivered. Even for the timeframe rejection I said that the goods delivery date supposed to be 1st Jan 2025 (custom made products).

It is sad the trolls and people saying free roller have ruined the forum putting people off it Kwiff is rigged for slots I lost about £3.5k in minutes then made the decision to sign up another five years on gamstop best away from all of it mate..

Revolut are complete scum - they genuinely have no idea what they are doing. Same with all the newer online banks- they do not actually know the chargeback rules.

"Regardless if a payment is for "gambling" under Mastercard rules payments are only considered gambling if the correct coding is applied" - source - Mastercard.

Nobody should be scared to mention the transactions are fake gambling payments to these banks but the fact is if it is mentioned then it's normally game over. This has to change.

These shit banks are getting out of having to do any work by seeing the word 'gambling' and automatically rejecting chargebacks. If the amounts you have spent are material enough then get a civil lawyer as they will demolish the banks claims almost instantly - the legal framework is there and it's clear - the banks just won't do anything until they are threatened with legal action.

That concerns me too. I haven't had a response from Lloyds yet and it's been nearly a month.

did you do complaint or was that for transactions you wanted to dispute?

Does anyone have any contact email for moondigi please

I've just had a reply from the email I sent to the gambling commission and in their reply they said that the websites in question do not hold a UK license therefore 'it is illegal to transact with, or advertise to, consumers in Great Britain'

They have also sent me a list of 10 questions regarding this and asking for any chat transcripts, the merchants names, bank statements showing deposits and they will pass all the information on to one of their specialists who look into illegal gambling activity.

I'll get my reply to them this afternoon.

Just what I wanted is this reply from them, perfect.

Iv filled these in on numerous occasions. They are just box ticking

But now I can give that to revolut....and the FOS if needed....

Revolut have loads of chargebacks open for me but have refused those over 120 days however I have told them this rule has exceptional circumstances and these are exceptional circumstances.

Revolut don't care what the UK Gambling Commission say - they will do anything to squirm out of chargebacks. Goods and Services not received is the only way you will ever get them as long as you don't mention gambling and it's within the protection period.

I don't think you are pushing hard enough......

Also here is a chat transcript I saved from them pretending to be a new UK potential user. Which I've sent to the Gambling Commission and Revolut also.

Payments Agent / Charles (05/13/2025 23:45:54) newuser : ? (05/13/2025 23:46:15)

Charles : I apologize for the incorrect information. Hello, Charles here to assist you (05/13/2025 23:46:25)

Charles : Do not mind previous message. Ho can I assist you? (05/13/2025 23:46:42) newuser : ok, do you accept UK players? (05/13/2025 23:47:04)

Charles : Of course. Is there any issue? (05/13/2025 23:47:55)

newuser : even if I am on UK Gamstop? (05/13/2025 23:48:07)

newuser : how about payments? my bank block gambling transactionsm (05/13/2025 23:49:16) newuser : transactions* (05/13/2025 23:49:23)

Charles : We are not affiliated to that website. Could you please provide me with the reason why you were registered on Gamstop? (05/13/2025 23:49:31)

newuser : because I like to be? is that ok with you? (05/13/2025 23:50:07)

Charles : Sure, no problem with us. We accept Players only from those countries and geographic regions where online gambling is allowed by law. It is the Player’s sole responsibility to inquire about the existing gambling laws and regulations of the given jurisdiction before placing bets on the Website (05/13/2025 23:51:23)

newuser : so can I deposit £10,000 for a bet tomorrow and you won't harass me of course of funds? (05/13/2025 23:52:17)

newuser : source* (05/13/2025 23:52:33)

Charles : Please be informed that we treat customers with great respect. You can proceed as you wish. If you come across any issues you can always contact us and we will assist you the best way possible. (05/13/2025 23:54:33)

newuser : will to come up on y bank statement? (05/13/2025 23:55:27)

newuser : my* (05/13/2025 23:55:31)

newuser : because my bank blocks gambling transactions (05/13/2025 23:55:45)

Charles : Please note that we use third party payments systems so there should not be any issues. If t somehow the transaction will be declined the funds will be credited back to you and you can proceed with any other available payment methods. (05/13/2025 23:57:42)

newuser : so you don't take the payments and a 3rd party does? so my bank won't know? (05/13/2025 23:58:36)

Charles : Yes, as I have mentioned there should not be any issues. We are doing our best to make our website more suitable and comfortable for customers. (05/14/2025 00:00:50)

Charles : Is there anything else I can help you with? (05/14/2025 00:01:04) newuser : so the transactions shall be hidden from my bank? (05/14/2025 00:01:23) newuser : by a 3rd party? (05/14/2025 00:01:38)

Charles : Please be informed that transactions come to us through payment providers. After the funds are sent from your side, they are being processed by one of the providers and then they send the funds to us and it is credited automatically to your gambling account. Bank will be able to see only payment provider. (05/14/2025 00:03:46)

newuser : and they won't see it as this site? (05/14/2025 00:04:18)

Charles : Yes, as I have mentioned only payment providers are visible. Meanwhile transactions still can be rejected sometimes, but that is no major issue. You can always use other payment methods which are presented on our website. (05/14/2025 00:06:16)

newuser : and that is both VISA and mastercard? (05/14/2025 00:07:47)

Charles : In addition, I kindly advice you to register on crypto wallet if you do not have any. Please be informed that currently crypto transfers are fastest and safest. On top of that, there are no banks involved and you can deposit or withdraw however you wish to.􏰀 (05/14/2025 00:07:50)

newuser : so you advise using crypto? (05/14/2025 00:08:53)

Charles : We offer several payment methods to our users. But each country has its own rules, so some countries have restrictions on some payment methods. To see the full list, tap on the "Withdraw" or "Deposit" section in your account and only the available payment methods and conditions will be displayed. If the mentioned methods are visible you can use them. If not, then they must be restricted. (05/14/2025 00:09:09)

newuser : what about UK though? im worried If I win I won't get paid out? (05/14/2025 00:10:09) newuser : are you sure the VISA payments work? (05/14/2025 00:10:41)

newuser : my bank won't have a clue? (05/14/2025 00:12:22)

Charles : Please be informed any visible method on our page works perfectly and you will not have any issues. I kindly ask you to check them on our page. If it is visible, you can use it and it will work. (05/14/2025 00:12:29)

newuser : so visa and Mastercard payments you take? from UK residents? (05/14/2025 00:13:20) Charles : As I have mentioned already many times, they will work if you see them on our page.

A snippet From another helpful member on this forum that I saved

Misuse of Chargeback Time Limits (e.g. 120 Days): If the bank dismissed your claim on the basis of a strict time limit, explain why that doesn’t fairly apply — especially if you only later realised what the transactions were or discovered that the merchants were acting illegally

I am not pushing at all - I have been through it with Revolut and eventually went legal to recover my funds. I know how they work - genuinely scary that they are allowed to operate at all. They are also bankers for a large number of merchants that people have mentioned on this thread - coincidence? I don't think so.

Did you recover it all?