Question about Gambling websites with Curaçao license using incorrect Merchant Category code (page 92)

I'm not a lawyer. And I don't know if you're trying to make me seem retarded when you start asking about paragraphs or stuff🤣 or I'm misunderstanding you. But I'm copying this in for you. This is what I found and

The Payment Services Act (2010:751) regulates how payment services must be performed in Sweden and includes, among other things, rules to ensure that payments are handled correctly and that payment recipients are identified correctly. When it comes to the specific handling of gaming transactions and the use of merchant codes, it is above all rules regarding transparency and correct classification of transactions that are relevant.

**Merchant Codes (MCC, Merchant Category Codes)** are used to identify the type of business a particular transaction belongs to. For gambling companies, there are specific MCC codes that are used to categorize transactions related to gambling and betting.

### Relevant Paragraphs in the Payment Services Act

1. **Transparency and information**:

- According to ch. 3 Section 1 of the Payment Services Act, payment service providers must provide clear and comprehensive information about payment transactions. This includes information about the type of transaction it is and the category it belongs to.

2. **Permitted Use and Regulation**:

- According to ch. 5 § 1 and § 2, payment service providers must ensure that all payments comply with laws and regulations, which includes the correct use of MCC codes to prevent money laundering and terrorist financing.

### Game Transactions and Merchant Codes

Gambling transactions are often classified under specific MCC codes, such as:

- **MCC 7995** – Betting (includes online betting and games).

- **MCC 7800-7802** – Lottery transactions.

### Round Merchant codes

"Rounding" or improperly using merchant codes to hide the true nature of a transaction is illegal and against the rules set by both national law and international financial transaction regulations. This may include breaches of anti-money laundering regulations, misleading credit card issuers, and breaches of consumer protection regulations.

The Payment Services Act (2010:751) regulates how payment services must be performed in Sweden and includes, among other things, rules to ensure that payments are handled correctly and that payment recipients are identified correctly. When it comes to the specific handling of gaming transactions and the use of merchant codes, it is above all rules regarding transparency and correct classification of transactions that are relevant.

**Merchant Codes (MCC, Merchant Category Codes)** are used to identify the type of business a particular transaction belongs to. For gambling companies, there are specific MCC codes that are used to categorize transactions related to gambling and betting.

### Relevant Paragraphs in the Payment Services Act

1. **Transparency and information**:

- According to ch. 3 Section 1 of the Payment Services Act, payment service providers must provide clear and comprehensive information about payment transactions. This includes information about the type of transaction it is and the category it belongs to.

2. **Permitted Use and Regulation**:

- According to ch. 5 § 1 and § 2, payment service providers must ensure that all payments comply with laws and regulations, which includes the correct use of MCC codes to prevent money laundering and terrorist financing.

### Game Transactions and Merchant Codes

Gambling transactions are often classified under specific MCC codes, such as:

- **MCC 7995** – Betting (includes online betting and games).

- **MCC 7800-7802** – Lottery transactions.

### Round Merchant codes

"Rounding" or improperly using merchant codes to hide the true nature of a transaction is illegal and against the rules set by both national law and international financial transaction regulations. This may include breaches of anti-money laundering regulations, misleading credit card issuers, and breaches of consumer protection regulations.

### Authority supervision

In Sweden, it is the Financial Supervisory Authority that monitors and ensures that payment service providers comply with the Payment Services Act and other relevant regulations.

For more specific advice, it is recommended to consult a lawyer who specializes in the Payment Services Act and gaming regulation.

Totally agree, but put it in a different context. You buy a jacket, and you see when you get home that the receipt says that you bought a pair of trousers.

The deal has clearly gone wrong. It could even be about accounting crimes or other criminal activity.

BUT if you go to the bank and say "I request my money back because I have not received the item". Then you're the one who could potentially be charged with attempted fraud, since you actually received the item you paid for - the fact that the receipt says it was a pair of pants instead of a jacket is pretty irrelevant in that case.

The fact that the business can then run into difficulties because they wrote that it was a pair of trousers instead of a jacket is a separate issue but has nothing to do with whether your card complaint is a fraud or not.

But now you're talking in the air. I haven't told the bank any of this crap you're writing. I have been completely honest but exactly everything

But it's nice that you understand that mutumba in Kenya "happened" to write something other than that it was a deposit to the casino.

I have no idea what you have written to your bank. I was just responding to your comment that "Then you don't buy a service "legal services in Africa" but it is a casino depositor." And tried to clarify with a simpler example, that regardless of what is written on the receipt, you have received the product/service you bought (if you received the deposit to the casino).

As long as you are honest, you have nothing to worry about. If you claim things like you haven't received the money, etc. then I understand that it can be seen as fraud.

hag, on the other hand, has been 100% honest and said why I think these payments and approvals should be invalidated. Whether the bank agrees or not remains to be seen

Just want to make it clear that I am 1000% on the same page as you. There is no one who hates these casinos more than me, and I wish them all the shit. But I'm also a realist and know how the legal system works - that I write what I do is because I don't want any individual here to have bad luck with their bank, e.g. - on the other hand, I am happy to assist with all the encouragement, pep and tips needed to smartly and safely fight as much as possible against the casinos, and get back a small part of what they stole from all of us.

I know we are on the same page😃

but yes, personally, it would have been nice to have some money. But at the same time this e money is already gone. I would have enjoyed even more to see these casinos go to the grave and I would have saved 10x more by not having them than what I would get back..

You are right. It is the same if I have ordered chocolate and had to pay for a completely different item.

😁😁

Have you told the bank that you have gambled. I have swedbank and they are strict, they can close your account.

If they will go through your account then they will see that you are playing.

It is not illegal to play. I don't understand what you are worried about. As long as you have not lied to the bank and made chargebacks on incorrect grounds, you do not need to worry.

It is GOOD that the bank is aware of this. Call and talk to them if you are worried!

I have already anticipated that they may close my account when I was thinking of making my complaints. It's not a problem for me if they choose to do that. I have been completely honest throughout the process. In addition, I have emphasized to them that the repayment is not the main goal for me. Instead, I want them to act and try to stop these rogue companies. We consumers are actually protected by systems such as Spelpaus and blocked merchant codes.

But why would they close your account do you mean? On what grounds?

If you ask me, NO... but we know that Swedish banks are quite sensitive when it comes to transactions abroad. These transactions are impossible to account for. If you ask the casino, they say we only offer games. If you ask the "shops", they don't answer at all or say we have nothing to do with the casino. So where it would fall, I think this is about reporting

No, not worried, only played once a month.

How do you deal with threatening emails and text messages from casino goons?

Anyone else getting them?

Just ignore them?

What do they write?

Didn't receive SMS.

I haven't received any either! Which casinos sent threats? What do they write?

I haven't received anything either