Question about Gambling websites with Curaçao license using incorrect Merchant Category code (σελίδα 1.558)

That will not happen. It's you right as costumer to ask for information about transactions on your account and they have to provide it. You don't involve the bank in further actions. You contact directly the Acquirer for resolution.

Under GDPR Article 15, you can request access to your personal data and information about how it has been processed, including relevant transaction data, recipients and third parties involved.

As a consumer, you can also request information about the payment transaction and the parties involved in processing it.

I would specifically request the Acquirer ID, Acquirer name/legal entity, Merchant ID, merchant descriptor, MCC, ARN, transaction ID and any payment processor or intermediary involved.

These rights can help you identify who actually processed the payment and determine who a complaint should be directed to.

It all comes down to how you present your complaint.

You need solid evidence, such as incorrect MCC codes, the correct TRI from the beginning, the correct contact route and email address, and a clear explanation of the issue.

It is also important to escalate the complaint to the relevant supervisory authority responsible for the Acquirer if the matter is not resolved.

I have personally received refunds from four different Acquirers. Depending on the Acquirer, the process took between 2 days and, at most, one week.

So in my experience, it can work — but the complaint needs to be properly documented and sent to the right party through the correct channel.

Hi

Look at my posts on for right way to find Acquirers behind the Merchant's and how to gor forward for resolution.

Don't hesitate to ask if you have any questions.

Good luck

Those transactions were from a long time ago, so I doubt there would be anyway of having these refunded. I accepted this as a loss back then, so I will just leave that specific transaction. On the other hand I made the mistake of using a dodgy casino recently after going back onto gamstop. I should look into these:

COMELOT and sph wlt as shown on my bank statement. Both showing as Online/phone/mail order purchase. However they show as different Business types

sph wl

Business type:

Financial Institutions - Merchandises and Services

COMELOT

Business type:

Computer Programming, Data Processing and Inaugurated Systems, Design Services

Check my posts for guidance.

Don't hesitate if you have any questions.

Good luck

For a regulated payment institution/EMI, the time limit for submitting a direct complaint depends on the applicable national regulations and the type of complaint.

For example, the FCA generally allows complaints to be made within 6 years from the event, or, if later, 3 years from the date the consumer became aware (or ought reasonably to have become aware) that they had cause to complain.

When it comes to Sph we and Comelot, they are masked merchants. They are showing wrong MCC codes to bypass banks.

You have a strong case. Don't hesitate

Hi

The easiest and only direct way to find Acquirer behind Merchant is to contact your bank and ask for a complet transaction list including ARN, MCC Codes etc.

Check out my posts if you need guidance.

Did you see my list of merchants?

The ones on the right under refunds have been mostly successful doing chargebacks on monzo. Monzo decline my disputes but some of the merchants refunded after 2 days. The rest of my merchants no joy.

Sonect and pprince.io refunded when I contacted there emails. Any idea of payment processors for the rest of my merchants ideally EUPLOPQI, HUPEIWE, FLOXYHEALTH, TERRVERS, TRVERS and WEBMOSAC. Thanks

Hi

The only way to get all necessary information about Acquirer behind Merchant inkl all MCC info etc is through your bank.

Check out my posts for guidance.

Unfortunately, my banks have not been very helpful.

Instead, I requested all available information about my transactions and contacted the Acquirers directly. The results have been very positive.

All four Acquirers I have contacted have issued refunds — in some cases within 2 days and, at the latest, within one week.

Chargeback can work if your bank is willing to assist, but you generally only get one opportunity to pursue the chargeback and the applicable process is subject to a 120-day timeframe.

A direct complaint to the Acquirer is a different route. If you have the correct TRI and submit the complaint to the right Acquirer through the correct channel, the process can be much quicker. It may also be possible to complain even when the transaction is several years old, depending on the Acquirer's applicable regulatory framework and the type of complaint.

For example, the FCA generally allows complaints to be made within 6 years from the event, or, if later, 3 years from the date the consumer became aware that they had cause to complain.

In my experience, identifying the correct Acquirer and submitting a properly documented complaint is therefore extremely important.

In my cases, DECTA has been the only Acquirer that has taken a long time without any concrete result so far.

I can’t see your post regarding nova arcade

What bank merchant names have you got? I can see if Iv had refunds from them

p.s you think nova arcade is who?

My posts are not about specific Merchant's. I have posted guidelines and the correct strategies to find out who the Acquirer behind the Merchant's are. Direct contact with Merchant's rarely helps. Most of Merchant's are shell descriptors and impossible to contact and get a answer.

Focus on chargeback through your card provider/bank and parallel send a complaint to Acquirer.

I don’t know the acquirer is for PLR*NovaArvade OU

I can send you some screenshots later in the evening can I have your email address please

Thank u appreciated

[email protected]

This turns out to be very intriguing. I have thought of banks as the only feasible source of information connected to the given transactions hence was unaware that it is sometimes better to reach out to the Acquirer directly.

However, it seems that the part concerning the process of determining the right Acquirer is the hardest one. It would be nice to learn about how one can check this information before lodging a claim.

Hi everyone,

This is a great forum with a lot of useful information and helpful people. I want to share my experience and help others identify the Acquirer behind casino transactions.

The most reliable way is to obtain the information directly from your bank/card issuer.

STEP 1 — GET THE ACQUIRER DATA

Ask your bank for the underlying transaction data for EACH transaction.

Request:

• ARN (Acquirer Reference Number)

• Acquirer ID / ICA number

• Acquirer's registered legal company name

• MID (Merchant ID)

• MCC (Merchant Category Code)

• Transaction date, amount and currency

• Merchant name/descriptor exactly as processed

• Payment processor/payment facilitator, if available

If you are in the EU/EEA, you can make the request under GDPR Article 15.

IMPORTANT: Do not accept only the numeric Acquirer ID. You need the actual registered legal name of the Acquirer.

Under GDPR Article 12(3), the normal response time is one month.

STEP 2 — COMPLAINT TO THE ACQUIRER

Once you know the Acquirer, contact them directly through their official complaints channel.

Include:

• Acquirer ID • Acquirer legal name • Merchant ID • Merchant descriptor • MCC • ARN • Transaction date and amount • Casino/operator • Licence status in your country • Evidence supporting your complaint

Explain the specific issue, for example:

• Incorrect MCC for a gambling transaction • Unlicensed gambling operator • Misleading merchant/transaction information • Refused withdrawals or withheld winnings • Other relevant compliance issues

Ask the Acquirer to investigate the transactions and request a refund where appropriate.

Also ask them to confirm their role in the transaction, the merchant's legal identity, the MCC used and any other transaction information they can lawfully disclose.

STEP 3 — PROVIDE ALL EVIDENCE FROM THE START

Send the complaint form and supporting evidence together with your first complaint.

Include:

• Transaction list • ARN and Merchant ID • Acquirer ID • Bank/card statement • Casino account history • Withdrawal attempts • Casino correspondence • Evidence of licence status • Any other relevant evidence

The goal is to avoid unnecessary back-and-forth.

IMPORTANT

Chargeback is a separate route and may have much shorter deadlines depending on the card scheme and dispute reason. Therefore, contact your card issuer immediately if you want to pursue chargeback.

A direct complaint to the Acquirer is a separate process. The applicable deadline depends on the Acquirer's jurisdiction, regulatory status and type of complaint.

For example, FCA rules can allow complaints within 6 years from the event, or, if later, 3 years from when the consumer became aware that they had cause to complain.

The key is to establish the complete chain:

TRANSACTION → ARN → ACQUIRER ID → ACQUIRER LEGAL ENTITY → MID → MERCHANT → CASINO/OPERATOR

Do not guess who the Acquirer is from the merchant descriptor.

Get the actual Acquirer information from your bank first.

Don't hesitate if you need help or templates for your bank, acquirer etc.

I have posted a detailed guideline that explains exactly how to do it.

Just look it upp

Hi

I have posted a detailed guideline that explains exactly how to do it.

I hope you find it useful.

Good luck