Question about Gambling websites with Curaçao license using incorrect Merchant Category code (σελίδα 1.123)

Yes they are hard to find. Bit scared to do a chargeback with mastercard/bank. Hope it works out for you.. keep me posted thanks!

Has anyone come across bitpulz or money-athome.com?

Έχει κανείς κάποια επαφή στην Worfix Ltd ή στην Hashbon;

Θα ήμουν πολύ ευγνώμων και θα πλήρωνα για την επικοινωνία.

.

I have.

Please contact me: [email protected]

Σου έγραψα

Έχει κανείς κάποια επαφή για:

Έχετε το Swipez / Dsolpay (E0000480);

VRTNMCS;

DSSERVLD;

Worfix Ltd;

Θα πλήρωνα για κάθε επαφή.

Σας ευχαριστώ.

Do you mind sending me a sample of the kind of email you use. I can give you my email.

Hello, there.

I can move the screenshot to this thread for you. As I suggested in my reply yesterday, I also thought it would be best to share the content here.

I'll move the content shortly.

⚠️ Public Warning – My Experience With VELOBET (Santeda International B.V.) & Elegro / Niko Technologies OÜ ⚠️

I am sharing my experience to warn others — particularly UK players — about VELOBET, operated by Santeda International B.V., and their payment processors Elegro / Niko Technologies OÜ. My complaint has been ongoing since October 2025 and continues into 2026, despite extensive documentary evidence and refunds already issued.

After depositing and later raising disputes, refund reversals were made to my bank on three separate occasions, which constitutes clear acknowledgement of transaction issues and liability:

16th October – £420

16th November – £50

18th November – £700

Despite this acknowledgement, VELOBET has since refused to complete further reasonable refunds, delayed resolution, and attempted to deflect responsibility.

🚩 Elegro / Niko Technologies OÜ – Direct Involvement Despite Denial

Elegro / Niko Technologies OÜ has stated that my complaint is "entirely down to VELOBET" and that they have no involvement. However, this statement is factually contradicted by events and evidence.

Elegro confirmed they had provided "feedback" to VELOBET regarding my complaint. Shortly after this feedback was given, the second and third refund reversals (16th November and 18th November) were issued to me.

This timing clearly demonstrates that Elegro was directly involved in the refund process, despite now attempting to distance themselves.

Furthermore, Elegro / Niko Technologies OÜ explicitly state on their own website that they do not provide services to customers in the United Kingdom.

Despite this, they processed UK-based gambling payments on behalf of VELOBET, directly contradicting their own stated policies.

This raises serious concerns regarding:

Processing payments for UK customers while claiming not to serve the UK

Acting as a payment intermediary while later denying responsibility

Facilitating gambling transactions through non-gambling or misleading merchant descriptors

Attempting to distance themselves once disputes and refunds arise

🚩 Communication Failures & Bad-Faith Conduct

Throughout this complaint, VELOBET has ignored approximately 99% of my emails. When responses are sent, they are generic, templated replies that fail to address:

The evidence provided

The refunds already issued

The substance of the complaint

At this stage, VELOBET’s reliance on its Terms & Conditions is meaningless. Once refunds have been issued, acknowledgement has been made and liability accepted. A company cannot issue refunds and then retrospectively rely on Terms & Conditions to avoid completing resolution of a complaint it has already acknowledged.

This approach demonstrates poor complaint handling, lack of transparency, and bad-faith engagement.

⚖️ Legal & Regulatory Concerns (UK Players)

VELOBET is not licensed by the UK Gambling Commission (UKGC). For UK players, this means:

No UK gambling consumer protections

No GamStop self-exclusion protection

No UK-approved ADR (Alternative Dispute Resolution)

Limited or no legal recourse under UK gambling law

Deposits were processed through third-party payment processors, including Elegro / Niko Technologies OÜ, appearing on bank statements under misleading, non-gambling merchant descriptors.

Descriptors used on my bank:

Elegro.Eu

Nikotpf Fintech FC LTD

Nikotpf Marinebeauty

Nikotpf Zenit Marketin

Nikotpf Global Stride

Nikotpf Peak Gear Appa

I was explicitly informed by my bank that chargebacks were restricted due to incorrect MCC coding, despite the transactions clearly being gambling deposits.

This creates a situation where:

Gambling safeguards may be bypassed

Banks are prevented from applying correct protections

Customers are left exposed once a dispute arises

🚨 Additional Operational & Consumer Risk Warnings

Based on my experience, further risks include:

Selective engagement only when convenient

Refunds issued partially to de-escalate complaints, then halted

Shifting responsibility between merchant and processor

Lack of a clear, accountable complaints process

Cross-border complexity designed to discourage escalation

Customers expected to abandon complaints due to exhaustion

This pattern strongly suggests a structure designed to delay, exhaust, and discourage customers from enforcing their rights or recovering funds.

⚠️ Critical Warning to UK Players

If you are a UK resident considering VELOBET:

You are gambling on a non-UK licensed operator

UK gambling protections do not apply

Payments may be processed by entities claiming not to serve the UK

Merchant descriptors may mask gambling activity

Refunds may be partially issued then withheld

Legal, banking, or regulatory escalation may be your only option

If this can happen to me — with confirmed refunds, processor involvement, and evidence — it can happen to anyone.

some evidence

more

more

and more

...more

If people wanna read they will read. I know it's long but I'm trying help others

I appreciate @loo76 sharing this info, I've found it very helpful! thanks Loo76.

It looks suspicious that the forums MODS are trying to supress and silence these valuable insights by other members, if this site is not on the payrolls of the stinking fraudlent Santeda group casinos then let the people have their say!

Bare in mind they kept sending generic emails about their t&c after they areday issued £420, £50 and £700 refunds!!!

Thank you. Appreciated. I'm currently in contact with SBGOK now to help me recover entire deposits as I've gave VELOBET enough time to refund me some more deposits (£1,000) as previous refunds show their acknowledgement of wrongdoing.

Because they keep sending generic emails they send everyone I'm now going to try recover the entire deposits. (More then £1,000)

CASINOS DO NOT give refunds if they are above board and doing everything correctly.

I have logged a complaint with the ICO for Velobet's total disregard of my Subject access request (SAR), its clear why they do not want to provide the emails and chat transcripts to withold evidence.

The information commissioners office has launched a investigation and gave me a reference number.

Velobet has disregarded my SUBJECT ACCESS REQUEST, ALL KYC / Responsible gambling measures, along the other long laundry list of crimes and breaches of financial regulation detailed.

I have reported them to reportfraud.police.uk and a member of their specialist cyber crime & fraud team has contacted me to send them bank statements and get written permission for them to work with my bank to ascertain the events that took place and they said they will help me get my funds back.

Make sure you report VELOBET and all associated criminal casinos under the Santeda group to reportfraud.police.uk or ACTIONFRAUD. It seems they have a LOT of reports for this rogue firm and are taking it seriously!

Hi guys has anyone had one of these messages from the casinos, do I just ignore it?