Question about Gambling websites with Curaçao license using incorrect Merchant Category code (page 435)

So further to my earlier post, I had previously raised disputes on my Mastercard credit card, visa credit card and Mastercard debit card.

for all three cards, I was completely honest. Highlighted the MCC code was different and that was to bypass gambling block on credit cards.

so far:

Mastercard credit card appears to have processed the disputes. Even if temporary, it’s not an outright rejection. Funds re-added as "dispute adjustment"

Visa credit card I’ve been told that they should refund and that I needed to dispute them (which I since did)

Mastercard debit card - I have not heard anything yet.

All of the above raised this week, and I haven’t contacted any merchants (yet).

Also have transactions on Revolut but these are "transfers" so don’t think I can dispute them?

Who are KTM? It’s not the motorbike company

KTM refunded me! Took only 2 days after i sent bank Statement.

Hi there sorry I do not know what code they used they only tell you the refunds in the letter the amounts and nothing more but maybe someone on the site may know people have tried writing to Mastercard previously it will not go anywhere I am afraid !

That is shocking treatment ! my bank were apologetic for not raising them in the first place and there was no questions like that they just done them you should win the FOS case hopefully that is great your getting real help now it makes all the difference it helped me more than it ever has 😊

What's the email to KTM? Is the location Poland?

[email protected]

Proving difficult, they've put all mine as fraud investigation and scrutinizing everything. But I've not been honest with it as wasn't sure what to say.

Hi. I have a few miscoded transactions to a casino through lunapay (luna-pay.com I guess) from the UK. From their website:

"LunaPay is an Authorised Payment Institution licensed by the Financial Conduct Authority ("FCA"). The license number is 935095."

They don’t answer any emails, what can I do? The transactions is a money transfer and I can’t raise a chargeback at Revolut.

You can't dispute bank transfers or crypto payments - you can dispute VISA, Mastercard payments.

Pulsion Pay will 100% dispute anything you try and chargeback so be very clear with your reasons otherwise they won't work.

You can dispute crypto apparently

Not under FCA rules you can't and the FOS won't go near it. You can only dispute it if someone has gained access to your account and sent crypto from it under fraud.

This is Revolut's terms and Kraken etc have similar.

"We are not liable for any losses you or others incur related to a withdrawal or deposit of cryptoassets to or from an external wallet (including via our asset recovery service), including as a result of the following:

You deposit cryptoassets that we do not support.

You attempt to deposit cryptoassets to your Revolut deposit address once your Revolut account is closed, or is in the process of being closed.

A deposit or withdrawal is blocked, frozen, or returned.

We refuse your instructions to deposit or withdraw cryptoassets.

You withdraw cryptoassets to an external wallet that is not owned and controlled by you, or which you are unable to access, or which does not support the assets being withdrawn.

In relation to our asset recovery service, your assets are not recoverable.

Please remember that we will not be able to reverse any withdrawals (including via our asset recovery service) or deposits as these transactions are irreversible. So, please check that you enter the correct deposit or withdrawal address before you submit your instructions. We will not be responsible for any losses you may suffer as a result of making a mistake entering the deposit or withdrawal address.

I have had 3 transactions raised on visa spaceedge.io chargebacks just last week

Hi daisy,

do you get a response from CLMNT?

I think we are talking about different things here - if you used VISA/Mastercard to purchase anything you can dispute if within reason. If you directly transfer your own crypto then you cannot dispute it - the important part is VISA/Mastercard - can dispute, Crypto directly to wallets you can't.

You are right I never bought crypto i also just googled. I wouldn't know what to do with that and how it works so confusing to me but yeah Sorry for poking my nose in thinking I know better when I don't. SMH at least I can admit when I am wrong 🤭

Hey! I had TERRVERS and after someone mentioned about getting refunds direct from VipZino, i emailed them it was around the time I signed up to them. Emailed them about the transactions and basically stated I'm a problem gambler the bank will chargeback regardless of being a while back. They have now refunded and I've got £210 coming back! So if you used them it will be Vipzino!

Any email response from clmnt?