Question about Gambling websites with Curaçao license using incorrect Merchant Category code (σελίδα 1.565)

I got the DSAR and have been working through it. It doesn’t give you the merchant name, but enough information that you can link back to the bank line. I haven’t submitted anything to them yet from it… needed a break!

What are you writing exactly?

Απευθείας μέσω της εφαρμογής Revolut μέσω τραπεζικής μεταφοράς. Αυτές ήταν πάντα μεταφορές σε πραγματικό χρόνο.

Thank you so much! That’s great.

1. Were your Revolut payments actually bank transfers or card payments? As you probably know, there is a proper "chargeback" procedure only for card payments. For bank transfers, there is only the "recall" procedure.
2. Did you first send a complaint email to all the payment service providers involved, asking them to refund all of the payments? Or did you immediately contact Revolut first and try to initiate a chargeback for all the affected transactions?
3. In the Revolut app, you always have to select a reason from a predefined list when requesting a chargeback and/or a recall. Which reason did you select?
4. In your case, there were probably also a lot of different payments, right? Did you then request a chargeback for each individual one of your 50 transactions — meaning that you ended up having more than 50 requests in the app?
5. I read in this thread that you contacted a Revolut employee. Was that conversation via chat or by phone?

My personal case: I made around 60 payments in total to 5 different payment providers, and all (!) of them were bank transfers. So, in my particular situation, a normal chargeback is not possible because these were not card payments. However, it is possible to attempt a recall, meaning that Revolut contacts the payment providers and asks them for a voluntary (!) refund.

What would you recommend to do in my specific situation? Should I simply try to submit a recall request for each transaction, one after another, 60 times? I’m not sure what the most efficient and effective approach would be.

Thanks, that's very useful. I'll try requesting the ARN, acquirer name/ID and MCC directly from my bank for these transactions.

When you contacted Walleto, was the ARN alone enough for them to confirm which merchant descriptor they had processed, or did they also ask for card details, dates and amounts? I'm trying to prepare everything upfront so I don't end up going back and forth with them.

Yes, I had FASTVER transactions myself. I tried contacting them directly first, but didn't get anywhere. Xpate wasn't much help either, so in the end I filed chargebacks through my bank. Some of the money has already been recovered that way, but I'm still waiting on the remaining cases.

Hi. Does anyone have any information about these merchant descriptors?

XOR Visual Layer

Art Solution

Visual Mill

Hexo Land

SIS Art Union

Horizon Land

Exist Sys

Has anyone dealt with any of them or managed to find contact details? I'm also trying to establish which payment processor/acquirer is behind these transactions and whether any of them could be connected to Xpate or Walleto.

Thanks, that makes sense. I’ll follow the steps in your thread and make sure I ask for the full set of transaction data rather than just the descriptor or ARN.

I’m mainly trying to identify which acquirer/legal entity sits behind the Xpate-related transactions, so your breakdown is really useful. Once I get the information from the bank, I’ll compare the Acquirer ID, name, MCC and ARN and see where it leads.

Hi. I’ve had some of these descriptors appear in my transactions as well:

XOR Visual Layer

Art Solution

Visual Mill

Hexo Land

SIS Art Union

Horizon Land

Exist Sys

Unfortunately, I haven’t been able to find any reliable information or contact details for them yet. I’m also trying to work out who processed these payments and whether there’s any connection to Xpate or Walleto.

If I find anything useful, I’ll post an update here.

That's frustrating. Especially if they're refusing the disputes without properly reviewing each transaction. It might be worth asking Monzo for the ARN, Acquirer ID and Acquirer name for the Tchtxt payments at least. That could help identify who actually processed them and whether Xpate or another processor was involved.

If you manage to get those details from Monzo, please let me know what you find.

Thanks. I've contacted HURTED at [email protected], so I'll see if they respond. Did you manage to get a refund from HURTED yourself, and roughly how long did it take them to reply? I'm still considering the chargeback option if I don't hear back from them soon.

Thanks. I think that's probably the best approach. I'll keep pushing Xpate and LOLPOK directly, but I don't want to rely on them for too long.

I'll also speak to my bank about disputing as many of the transactions as possible. Have you had any success yourself with chargebacks involving LOLPOK or other Xpate-related merchants?

Hi. I'm trying to find more information about a few merchant descriptors:

vercs2

calcal

jusdot5

tokdom

jusski6

paypay

I've seen information suggesting that some of these transactions may be linked to Xpate Ltd, but I'm trying to verify this properly. Has anyone had any of these descriptors on their statement and managed to confirm the actual merchant, acquirer or payment processor?

Contact details for any of them would also be really helpful.

I’ve had some of these descriptors in my transactions as well:

vercs2

calcal

jusdot5

tokdom

jusski6

paypay

Unfortunately, I haven’t managed to find any reliable information or contact details for them yet. I’m also trying to confirm whether they were actually processed through Xpate. If anyone finds anything, I’d appreciate an update.

Are there people here who have made their payments to the online casino exclusively via Revolut bank transfer (NOT by card)?

Ωστόσο, αν μπορείτε, σας προτείνω

Για το vercs2, επικοινωνήστε μαζί μας μέσω email. [email protected] .

Hey guys thanks for the replay back on console titans ive emailed them and there website too.. well keep update

I also came across some old ones I had saved in my notes

NXTRST

3dby

DCT*ACHILL

DTVLT

SHAPDIRU

Anything on those above? Would be very helpful thanks

i have some similar names , guess they are all dead end.

I have for example temdot, zenski, lesski ,

quedot, quecs2 .neocs2 , temcs2

the cs2 is probably linked to counterstrike2 (3th party skins shops etc)

Hey i can confirm u 100% that they are all XPATE LTD -merchant confirmed that from my bank who say Aquierer :xpate ltd .