잘못된 판매자 카테고리 코드를 사용하는 Curaçao 라이선스가 있는 도박 웹사이트에 대한 질문 (539 페이지)

This timeline is very suspicious:

30 october – i deposited €20 (appeared as "Canapay" in the bank statement).

Casino claimed the deposit failed and said it would be reversed within 5 days (but it wasn’t).

30 October – The transaction "failed" officially.

1 November – Canapay refunded the exact €20.

Why This Looks Suspicious:

The fact that a deposit made on October 30 was immediately flagged as failed and then refunded on November 1 could indicate that Canapay is intentionally processing these transactions in a way that allows them to hold funds, even briefly, possibly to benefit from the delay.

Given this pattern—especially when I've seen it before with a €20 deposit—it’s reasonable to suspect that they may be using this method systematically

so my findings are Canapay is proccessing transactions to unlicensed casino knowingly.

Of course they are - they all know they are doing it!

yes they are but without proof is hard, but I have now a deadly proof everything in it shows a link, from timeline to communicate. this proof of goes to News outlet, Canapay will be in first Headlines of all news giving the fact it is based on Swindon UK

Do you not have your transactions off the casino site to match them up as evidence? That is what I'll be using

I have this problem too, the casinos have blocked my account and won’t let me in to see transactions

Has anyone had any successful refunds from either casinos or payment providers recently?

if so which ones? I’m curious to see if I’m wasting my time emailing

Hey, did you manage to get a refund from webmosaic? I have emailed but not heard anything from them. Wondering you would be able to help please if you wouldn’t mind chick x

Hi there, I threatened them with legal action, got a crime number from action fraud. Was refunded over night even though they couldnt find transactions.

Amazing thank you I will do exactly the same once they respond. It’s only around £240 however it’s still funds at the end of the day

struggling with Velobet & Elegra who I believe they use as their payment provider

I think am totally at a loss with using bank transfers to goldenbet but good luck to everybody else it’s shocking how all these company’s are working to prey on people

You aren't getting bank transfers back unfortunately- this is specifically about breaching Mastercard and Visa T&Cs and operating payment services illegally. Bank transfers aren't covered in the same way sadly.

Are you saying Canapay is based in Swindon?

Canapay Limited is a company registered in the United Kingdom. Its registered office address is Apartment 73b Quay 5, 234 Ordsall Lane, Salford, M5 3WJ, England.

open.endole.co.uk

Additionally, there is a Canapay Limited registered in Hong Kong, located at Room 913, 9/F., Chinachem Golden Plaza, No.77 Mody Road, Tsim Sha Tsui, Hong Kong.

ltddir.com

Please note that the website canapay.io has received mixed reviews regarding its trustworthiness..

but it has an office in there as well

The Canapay company that are on my statement are based in Croatia. Canapay.io not Limited.

https://dev.canapay.io/about/

https://tracxn.com/d/companies/canapay/__PgoD-44hBGogvZAMGiL2ZrDJYve0GyZUGfHTUluqCJo

Interesting their site is currently down.

Hi, how did you do it? I'm still struggling with them because they tell me they don't see my transactions.

in their system even though I sent them an extract, all in vain🥹

Buna ,cum ai reusit?eu inca ma lupt cu ei ca imi scriu ca nu vad tranzactiile mele

in sistemul lor chiar daca le am trimis si extras tot degeaba🥹

clxygnow?

Contact ben.vandermerwe@sky.uk he is investigating all this

Wrote to all santeda International b.v group still getting same response they are acting legally i sent them.article

Re: Violation of Banking and Merchant Code Regulations and GDPR Access Request

I am writing to address a serious concern regarding your company's use of third-party merchants to bypass banking blocks and Merchant Category Code (MCC) transactions, as well as the lack of compliance with UK gambling regulations.

It has come to my attention that your casino, under the Curacao license, is using third-party merchants whose transactions do not correspond to gambling activities, instead showing items or services unrelated to gambling. This is a clear violation of UK gambling laws,and breach of your own licence laws which require transparency in transaction categorizations and accurate reporting for financial institutions. The miscoding of gambling transactions under incorrect MCCs is illegal and undermines the regulatory framework set forth by the UK Gambling Commission.

As you are operating under the jurisdiction of Curacao, your responsibilities extend beyond simply holding a Curacao license. UK laws clearly stipulate that if your services are accessible from the UK, you must comply with local regulations hold a uk gambiling licence which you dont and ensure that third-party merchants do not bypass banking blocks. It is my understanding that these actions have been investigated and proven to be unlawful. As a casino, you bear full responsibility for the actions of your partners and third-party merchants, which cannot be overlooked.

Furthermore, I hereby request a full access request under the General Data Protection Regulation (GDPR) concerning all personal and transactional data related to my account with your casino. This includes, but is not limited to, any details related to my deposits, withdrawals, and the corresponding payment methods used, including the use of MCC miscodings. I expect to receive this information within the 30-day statutory period as mandated by GDPR.

Should you fail to comply with this request I will have no choice but to escalate the matter. Specifically, I will share all relevant information with Sky News, ben.vandermerwe@sky.uk a MSN that is a international news platform

who is currently investigating illegal and unlicensed offshore gambling websites using MCC miscodings to bypass UK regulations.

I look forward to your prompt response and immediate action regarding these concerns. Please be advised that non-compliance with my GDPR request and failure to address these violations will result in further legal steps.and full exposure of your casinos ilegal activities as you are in clear violation of the UK gambiling act and the Caracaco CGB 

intentionally miscodes deposits or withdrawals, goldenbet would likely still bear some responsibility under Curacao's general gambling regulations.

3. Third-Party Payment Providers:

Even though third-party payment providers are separate entities, goldenbet (like any licensed operator) must ensure that they are compliant with the laws that govern their operations. If a payment provider intentionally miscodes transactions, goldenbet could still be held accountable, especially if it leads to financial confusion, regulatory breaches, or consumer harm. This could result in goldenbet facing regulatory scrutiny, penalties, or a loss of reputation.

Legal and Regulatory Implications:

• Intentional Miscoding: If third-party providers intentionally miscode gambling transactions as "goods and services," this could be interpreted as deceptive behavior, potentially violating consumer protection laws and financial regulations.

• Player Complaints: Affected players may file complaints with regulatory authorities, and goldenbet could be required to resolve these issues. This might involve issuing refunds, correcting transaction codes, or even facing fines or losing their operating license.

What goldenbet Should Do:

• Monitor and Control Third-Party Providers: goldenbet should ensure that all third-party payment processors are properly vetted and compliant with all legal requirements. This includes clear communication about how payments are processed and ensuring transactions are categorized correctly.

• Investigation and Compliance: If any miscoding is discovered, goldenbet should investigate the issue, work with the payment provider to correct it, and communicate with affected players. They should also report any issues to the relevant authorities.

What You Can Do:

If you're a player affected by such miscoding, you should:

• Contact goldenbet Support: Report the issue directly and ask for clarification or correction of the transaction.

t would likely be held accountable for the actions of its third-party payment providers, especially if miscoding transactions is a systemic issue that violates gambling or financial regulations under the UK Gambling Commission or Curacao licensing laws

Response

Greetings,

Hope this email finds you well.

Please be advised that all transactions on our platform are processed in full compliance with our established policies. As we work with third-party payment providers, we do not have control over the specific descriptors that may appear on your transaction statements, as these are determined solely by the payment provider.

Regarding our Refund Policy, refunds are not available if the deposited funds, including any associated bonuses, have already been used to access our services.

Additionally, as outlined in our Terms & Conditions under the section "Who Can Play", we only accept players from jurisdictions where online gambling is legally permitted. It is the sole responsibility of each player to verify and adhere to the gambling laws applicable in their jurisdiction before engaging with our platform.

Key considerations include:

Players are responsible for ensuring that their participation complies with all relevant laws.

Depositing and wagering real funds are subject to the legal framework of the player’s country of residence.

In some jurisdictions, online gambling may be restricted or prohibited. If this applies, the use of payment cards for such transactions is unauthorized, and it remains the cardholder’s responsibility to ensure compliance with local gambling laws.

Considering the above legal requirements, we regret to inform you that we are unable to process your refund request.

Should you have any further questions, please feel free to contact us.

—

With appreciation, 

Same copy and paste from.all.casinos under their group

It's also come.to

Santeda International B.V. has not been fined or sanctioned by the UK Gambling Commission (UKGC). This is primarily because Santeda does not hold a UKGC license and operates under a Curaçao eGaming license. 

 The UKGC's regulatory authority extends only to operators licensed within the UK. However, Santeda has faced regulatory actions in other jurisdictions, including formal warnings from the Australian Communications and Media Authority (ACMA) and bans imposed by Sweden's Gambling Authority, Spelinspektionen, for targeting consumers without the necessary

Now I wonder why that is ?It's never imposed any fines or sanctions on this group considering its operating within the UK without a licence .Now how many people must have complaint about them 100s maybe more UKGC corrupt