Question about Gambling websites with Curaçao license using incorrect Merchant Category code (page 842)

I got this final letter back from monzo today ...

I’m Lowri, and I’m a complaint handler at Monzo. I’ve been looking at your

complaint and found the following.

My investigation didn’t find evidence to support your complaint

I’ve investigated your complaint and found we gave you an expected level of

service.

I appreciate your frustration with us having rejected your fraud report and asking

to fill the form again with the relevant information. I’ve reviewed your request, and

I’m confident we rejected this correctly, as we didn’t have the details needed for

these kinds of claims.

Unfortunately if we can’t provide enough proof of what happened, or can’t explain

our claim well, it is highly likely that the merchant will reject our chargeback

outright because we don’t have any tangible proof of the merchant doing anything

wrong, meaning we won’t be able to get your money back.

Monzo Bank Limited (Monzo) is a company registered in England and Wales (No. 09446231)

registered at Broadwalk House, 5 Appold Street, London EC2A 2AG. Monzo is authorised by the

Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the

PRA. Our Financial Services Register number is 730427.

1I’d also like to state here, Mastercard has various rules as to what can be disputed,

so not all transactions are automatically eligible for a chargeback. I’m afraid the

transactions are something Mastercard doesn’t allow us to dispute.

As per Mastercard’s chargeback guidelines:

For transactions in which value or assets are purchased for gambling, investment

or similar purposes: This chargeback right is only available for a transaction in

which the purchased value or assets failed to appear in the account agreed to

between the cardholder and the merchant.

For the avoidance of doubt, chargeback rights are not available for:

1. refunds, withdrawals or transfer requests,

2. terms and conditions or account access,

3. winnings, gains or losses, or

4. use or subsequent use.

We do want to help you with this and I’m sorry for any frustration, stress or

inconvenience this has caused you but we’re simply following our own internal

procedures as well as the rules set out by Mastercard.

Following a thorough review of your complaint, I can confirm that we haven’t made

any errors in rejecting the requested disputes, and we’ve acted in line with our

Monzo Bank Limited (Monzo) is a company registered in England and Wales (No. 09446231)

registered at Broadwalk House, 5 Appold Street, London EC2A 2AG. Monzo is authorised by the

Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the

PRA. Our Financial Services Register number is 730427.

2internal procedures and Mastercard guidelines. However I hope my explanations

shed some light into the chargeback processes.

I’m sorry that you were unhappy with our service, but I hope you think the

outcome here is fair. I’ve let the relevant teams know about your complaint so they

can use this to improve their services.

What to do if you’re not happy

This letter is what’s known as our ‘final response’ to your complaint. If you have

any clarifying questions, I’ll do my best to answer them. Alternatively, you have the

right to take your complaint to the Financial Ombudsman Service, for free – but

you must do so within 6 months of the date of this final response.

If you don’t refer your complaint in time, the Ombudsman won’t have our

permission to consider your complaint and will only be able to do so in limited

circumstances. For example, if the Ombudsman believes that the delay was as a

result of exceptional circumstances.

For information on how to refer the complaint, go to the Financial Ombudsman

Service website and read their consumer leaflet.

Thanks,

Lowri Addams

Monzo Complaints Team

Dear members,

I am the founder of Casino Legale Team, an initiative that helps individuals recover funds deposited to illegal or unlicensed online casinos, particularly those linked to Novatech Solutions (registered in Curaçao and Cyprus).

We assist in cases where players have been misled, including:

The use of foreign gambling licenses that hold no legal validity in countries like the Netherlands or other EU jurisdictions

Circumvention of national self-exclusion registers such as the Dutch Cruks

Important: Based on my investigations, several users have already received refunds from these casinos. This proves that legal pressure and documented complaints can indeed lead to successful outcomes — even when dealing with offshore or obscure

I am not a lawyer, but I act as an independent consumer advocate and investigator. My focus is on gathering evidence, submitting formal refund requests, and notifying regulators, financial institutions, and supervisory bodies.

Have you lost money at any of these platforms and believe it may have been unjustified? Feel free to contact me — we can review your situation and explore possible steps for recovery.

Due to unexpected demand, I am currently only handling cases involving amounts over €10,000.

no pay no cure

[email protected]

Best regards,

Casino Legale Team

Dutch Chamber of Commerce (KVK): 97716278

Wethoudershof 17, 6598AH Heijen, The Netherlands

(Sole proprietorship – supporting victims of illegal online gambling platforms)

No pay no cure

Dear members,

I am the founder of Casino Legale Team, an initiative that helps individuals recover funds deposited to illegal or unlicensed online casinos, particularly those linked to Novatech Solutions (registered in Curaçao and Cyprus).

We assist in cases where players have been misled, including:

The use of foreign gambling licenses that hold no legal validity in countries like the Netherlands or other EU jurisdictions

Circumvention of national self-exclusion registers such as the Dutch Cruks

Important: Based on my investigations, several users have already received refunds from these casinos. This proves that legal pressure and documented complaints can indeed lead to successful outcomes — even when dealing with offshore or obscure

I am not a lawyer, but I act as an independent consumer advocate and investigator. My focus is on gathering evidence, submitting formal refund requests, and notifying regulators, financial institutions, and supervisory bodies.

Have you lost money at any of these platforms and believe it may have been unjustified? Feel free to contact me — we can review your situation and explore possible steps for recovery.

Due to unexpected demand, I am currently only handling cases involving amounts over €10,000.

no pay no cure

[email protected]

Best regards,

Casino Legale Team

Dutch Chamber of Commerce (KVK): 97716278

Wethoudershof 17, 6598AH Heijen, The Netherlands

(Sole proprietorship – supporting victims of illegal online gambling platforms)

Alright, I work in banking.

This person who wrote this is out of his mind and his grammar errors are grotesque.

In the event of miscoding card transactions, there is no chargeback defence procedure, the merchant cannot reject the chargeback claim.

There is a chance that if 3DS was enabled that they can just say we do not want to proceed with the chargeback and that is the end of the story, even though they should have.

If you are in the European union, you have 6 months for a chargeback, irrespective of what your bank says or claims, some merchants are touched with white, silky gloves only, because, you have guessed it, high revenue numbers. OnlyFans is using an extremely conservative acquirer which says OF is not adult or porn when the revenue is right.

You can always say it was not you who did the transaction, but then you would have to report the card as lost or stolen right away, we gamblers know, we will play and deposit until it hurts and only then come to our senses.

Here is what you do, tell this person you are willing to take it one layer higher than they are in the processing list and show them the invoice. A casino invoice will usually show that you have purchased some sort of shoes in China, tell them to investigate that transaction and package trajectory. There is a chargeback code for "not received as ordered" and it is certain you have not received shoes from China.

I could go on and on, but it is past my bed time, I hope this helps to some of you all. Looking at the thread, most of the posts are looking at the wrong place and do not understand payment processing/trajectory/hierarchy.

Good luck😉

Inform him that you

Dear members,

I am the founder of Casino Legale Team, an initiative that helps individuals recover funds deposited to illegal or unlicensed online casinos, particularly those linked to Novatech Solutions (registered in Curaçao and Cyprus).

We assist in cases where players have been misled, including:

The use of foreign gambling licenses that hold no legal validity in countries like the Netherlands or other EU jurisdictions

Circumvention of national self-exclusion registers such as the Dutch Cruks

Important: Based on my investigations, several users have already received refunds from these casinos. This proves that legal pressure and documented complaints can indeed lead to successful outcomes — even when dealing with offshore or obscure

I am not a lawyer, but I act as an independent consumer advocate and investigator. My focus is on gathering evidence, submitting formal refund requests, and notifying regulators, financial institutions, and supervisory bodies.

Have you lost money at any of these platforms and believe it may have been unjustified? Feel free to contact me — we can review your situation and explore possible steps for recovery.

Due to unexpected demand, I am currently only handling cases involving amounts over €10,000.

no pay no cure

[email protected]

Best regards,

Casino Legale Team

Dutch Chamber of Commerce (KVK): 97716278

Wethoudershof 17, 6598AH Heijen, The Netherlands

(Sole proprietorship – supporting victims of illegal online gambling platforms)