Question about Gambling websites with Curaçao license using incorrect Merchant Category code (σελίδα 787)

From a Mastercard Live Chat - also available in multiple other sources including Merchant terms and conditions.

Yes, in Mastercard terms and conditions, a special category is required to accept gambling payments.

Specifically, gambling merchants are identified by Merchant Category Code (MCC) 7995: Lottery, Betting, and Gambling. This MCC is used for a variety of gambling operations, including:

* Casinos (physical and online)

* Sports betting operations

* Lottery operators

* Racetracks

* Online bingo platforms

Mastercard, along with other payment networks, uses MCCs to categorize transactions, manage risk, and ensure compliance with regulations. Businesses operating under high-risk MCCs like 7995 often face stricter scrutiny, higher processing fees, and specific requirements to prevent fraud and comply with anti-money laundering (AML) regulations.

Furthermore, Mastercard has specific rules regarding gambling transactions, including:

* Payment of Winnings (POW): Mastercard has a dedicated "Payment of Winnings" stand-alone credit specifically for gambling merchants to pay game winnings to customers. This is restricted to merchants under MCC 7995.

* Credit Card Restrictions: In many jurisdictions (like the UK), the use of credit cards for gambling transactions is prohibited. Mastercard's rules and various regulations aim to prevent such transactions.

* Merchant Location and Licensing: Merchants must only acquire payments within their licensed "area of use" and hold all necessary licenses and permits to conduct their business in that country.

* No Mis-coding: Mastercard actively monitors and penalizes merchants who attempt to mis-code gambling transactions under non-gambling MCCs to circumvent restrictions.

In essence, while Mastercard facilitates gambling payments, it does so under stringent conditions, requiring specific categorization and adherence to various rules to manage the associated risks and regulatory requirements.

Λοιπόν, έχω υποβάλει καταγγελία και έχω κάνει πολλές συζητήσεις με την Revolut που αλλάζουν εκδόσεις. Ας δούμε αν η Τράπεζα της Ισπανίας μπορεί να με βοηθήσει λίγο. Δεν πρόκειται για την εξουσιοδότηση πληρωμής αλλά για τη χρήση του λανθασμένου MCC και τι συνεπάγεται.

Έχω ψάξει αλλά δεν μπορώ να βρω τίποτα πραγματικά.

Ποιες επιχειρήσεις σας φαίνονται;

LocLd / itslocld - ;"

ΚΑΙ

Printiso-printisodigital;

Cnpcto / Coinpacto

Έντμποστ

Μπίτσεντ

Άρτφιν

Ζύφη

E0000348

Τρίερς-Λονδίνο

OnIngo-Λονδίνο

Trndbm-Κάρντιφ

Pxthn-Λονδίνο

Inovocom-ruislip - ;"

BYTBLM*LAB - cryptowaveco;

fluenfs

vivexcoin - ;"

αρτφιν

SKC*AROMA

SIKCNTVK

jpfever.com - Το Birkirkara εμφανίζεται ως καζίνο, αλλά δεν έχω εγγραφεί ποτέ εκεί.

Σας συμβουλεύω να κάνετε αναζήτηση στον μεγεθυντικό φακό στην κορυφή αυτού του φόρουμ, μία προς μία για κάθε επιχείρηση, και θα μπορείτε να βρείτε πληροφορίες από άλλους χρήστες που έχουν συνεισφέρει.

I added my own information to the email and I came directly from the email address they have for me.

Ahhh, yeah. I have all the T&C's and the chargeback guidance, but it's those actual, magic words that I need directly from Mastercard, to prove my point.

I've been down the road of all of those points from the T&C's with my bank but they (and the Ombudsman) are of the opinion that because the funds eventually ended up being used for gambling, they are gambling transactions.

This quote neutralises that argument completely.

Sadly, I've not been able to find either a live chat for Mastercard or get a meaning response through Social Media.

Thank you btw, I forgot to add that.

If there's any advice or anything you can offer me to underline that point, then you can always email me....

Έψαξα αλλά δεν βρήκα κάτι ή δεν μπορώ να το βρω, αλλά ευχαριστώ για τη βοήθεια

Hi

appreciate this was a while ago 😂

did you win the dispute with Faqsolutions or did they try and object,

Hi Paul

how do you find out the processor merchant bank for Apple Pay transactions

as starling are saying they are not to blame even though they knew miscoded MCC codes as the merchant bank decides and completes due diligence not them

Hi mate im not sure mine were all on card not apple pay

Says this its a separate processor in USA..

Did you get anywhere with Starling?

William - what bank was this and what was the situation?

I would like to know this also please winnerdude

You won't. They're a bunch of C Units.

I've had terrible problems with them. Routes I've tried with them.......

1) I've got a gambling block on - 'Sorry mate, they might be gambling transactions but the MCC is wrong, so there's nothing we could have done'

2) Oh, so these aren't gambling transactions then? 'Sorry mate, they definitely are. We've investigated them using special techniques we can't tell you about but we KNOW they are gambling merchants'

3) OK, so can we charge these back as goods not recieved then, as I never received any goods or services from these companies? - 'Sorry mate, no we can't - see last reply'

4) Hi, these are some goods I ordered, but I never received them, can you please charge them back. I have evidence of the companies not supplying the goods and failing to communicate with me? - 'Yes mate, course we can'.................... Several days later............... 'Sorry mate, was wrong. We've investigated these transactions and they are DEFINITELY gambling merchants and not what you claimed, so no chargebacks'

5) Hi, I can see you've blocked some payments to a company called 'XXXXXXXXX' and the reason for the decline is that I have a gambling block on my card. Does this mean you now block all of these rogue merchants? - 'No, sorry mate. We just go through some transactions in a half arsed manner and randomly block some of them, then let them through, then block them again. Also, we never did any of that, don't know what you're talking about?'

6) So you can track this money from my account, through the 3rd party and tell me where it was eventually deposited? In that case you know the casino is a scam and I never had a chance of winning, so technically, this isn't gambling. So can we get my money back now? - 'Nah, sorry mate'

7) Can you tell me the casino I deposited at then? - 'Nah mate, that's top secret information. Also, how we find out is top secret too, we definitely don't just google the merchants and find out that way, oh no.'

8.) 'Mate, please stop bothering us, we can't be arsed to help you. Yes, even though you've provided clear evidence of the scam, faked transactions, that another Client bank that uses MasterCard has succesfully charged back transactions like these and they were supported by Mastercard etc. Take it to the Ombudsman. Oh, and here are some patronising links to safer gambling sites. Now off you Fuck'

So that's where I am up to. First complaint about to go to Ombudsman after Investigator sided with bank. I just need to produce a few extra bits of evidence first. Then if I win, I'll lodge my second complaint.

In the interim, I'm writing a complaint to MasterCard UK and if it's not resolved, I will then take that to the Ombudsman.

This is why, I need the source and evidence of the quote from the chap above about transactions only being classed as gambling, if they are coded as such.

With that evidence, the defence that all banks that use Mastercard use, falls apart. IF, and it's a big IF, I can then get the Ombudsman to side with me, it will set a precedent that would see everyone here get their money back from Mastercard banks.

So, if anyone has any advice or evidence they can provide, with sources, then please let me know. I'd prefer to do it over email if possible.

Thanks in advance

Επικοινώνησα με την Mastercard για να δω ποια είναι η άποψή τους σχετικά με το τι κάνουν τα καζίνο που χρησιμοποιούν εμπόρους. Θα σας ενημερώνω για την απάντησή τους.

Nope, that's why I've put a complaint in to FOS.