Online casino Debit Visa transaction successful with wrong/random CVV

Hydr0

cyber chill
PABnoaccred
Joined
Oct 24, 2012
Location
OZ
In hindsight mate, ask your bank to launch an investigation into the transaction.

I wanted to look into it before i make myself look an idiot but im used to that by now so im just going to come out and say it -

It looks to me like someone got your details, credited your casino account and then went and used your details to buy a reward card.

Dont take my word for it. Your bank are best placed to find out whats gone on. Give them everything you have shown us but just make that call and ask when and where this transaction was placed. EFTPOS means it was processed on a physical terminal, i think - an actual pdq machine as some people call them, not online.

Let us know how you get on :)

Thanks mate. To confirm, I myself, placed the two transactions shown on my bank statement, at the exact times shown in the clipped screenshots (shown above). My account was debited for $26AUD x 2, and my casino balance was credited $25AUD x 2, so all good there, I’m not thinking fraud is at play - it’s just weird scenario.

I’ve contacted my bank and confirmed that the transaction was indeed processed in Barcelona. I was also advised that some third party processors, online or land based don’t require a CVV to work; although I’m not sure that this applies in my case, because the CVV field was required before the transaction would work (with seemingly any 3 digit combination accepted).

Additionally, a quick browser search found that Halycard is owned by the following company: UKEU Global Sociedad Limitada.

Company location: Barcelona ES

The question remains however - why was Halycard (which incurred a fee) used to process my debit Visa card transaction, and why was the transaction successful despite the CVV being incorrect? This is currently under investigation by the casino in question.
 
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Hydr0

cyber chill
PABnoaccred
Joined
Oct 24, 2012
Location
OZ
In hindsight mate, ask your bank to launch an investigation into the transaction.

I wanted to look into it before i make myself look an idiot but im used to that by now so im just going to come out and say it -

It looks to me like someone got your details, credited your casino account and then went and used your details to buy a reward card.

Dont take my word for it. Your bank are best placed to find out whats gone on. Give them everything you have shown us but just make that call and ask when and where this transaction was placed. EFTPOS means it was processed on a physical terminal, i think - an actual pdq machine as some people call them, not online.

Let us know how you get on :)

I had another read of your post, and maybe you’re correct regarding my personal details being stolen.... hmm... the timing of the transactions adds up however, and I’m not out of pocket at the moment, so I’m not sure what to think. Ok, thanks mate, will launch a more in depth investigation with my bank as well. Thanks again for your advice.

PS: I’ve placed a temporary block on the card used to fund my casino account until the issue is resolved.
 
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Hydr0

cyber chill
PABnoaccred
Joined
Oct 24, 2012
Location
OZ
Update: my bank has confirmed that the transaction was processed online. I was advised to wait a day or two for the bank statement showing the third party processor details to finalise. Based on this advice, I’m expecting to see the POS eftpos to change to reflect an online transaction. The $1 fee x 2 is likely an admin fee charged by Halycard.

Will provide a further update when I know more.
 

bamberfishcake

Senior Member
MM
Joined
Jan 8, 2019
Location
Essex
Update: my bank has confirmed that the transaction was processed online. I was advised to wait a day or two for the bank statement showing the third party processor details to finalise. Based on this advice, I’m expecting to see the POS eftpos to change to reflect an online transaction. The $1 fee x 2 is likely an admin fee charged by Halycard.

Will provide a further update when I know more.

Maybe EFTPOS means online in some cases nowadays. It used to mean a physical terminal:

3 methods of processing payments - Physical Terminal, Virtual Terminal and Online Gateway.

If you have not done already - confirm the date and time of the actual transaction with the bank to Halycard and check it matches with when you processed your payment.

Then ask the casino to clarify their involvement with Halycard.

Its strange how your payment has gone to Halycard. Have you ever used Halycard before?
 

Hydr0

cyber chill
PABnoaccred
Joined
Oct 24, 2012
Location
OZ
I had another read of your post, and maybe you’re correct regarding my personal details being stolen.... hmm... the timing of the transactions adds up however, and I’m not out of pocket at the moment, so I’m not sure what to think. Ok, thanks mate, will launch a more in depth investigation with my bank as well. Thanks again for your advice.

PS: I’ve placed a temporary block on the card used to fund my casino account until the issue is resolved.
Maybe EFTPOS means online in some cases nowadays. It used to mean a physical terminal:

3 methods of processing payments - Physical Terminal, Virtual Terminal and Online Gateway.

If you have not done already - confirm the date and time of the actual transaction with the bank to Halycard and check it matches with when you processed your payment.

Then ask the casino to clarify their involvement with Halycard.

Its strange how your payment has gone to Halycard. Have you ever used Halycard before?

Yes mate, times between bank to Halycard and casino processing match up, so all good there.

Never used Halycard.

I think it will be fine in the end. Waiting for the casinos reply. Although an odd scenario, it appears that based on the evidence this far, that no fraud is at play.

Naturally the casino need to sort out the anomoly however, as by their own admission this should never happen, and it does potentially put the customer at risk.
 

bamberfishcake

Senior Member
MM
Joined
Jan 8, 2019
Location
Essex
Yes mate, times between bank to Halycard and casino processing match up, so all good there.

Never used Halycard.

I think it will be fine in the end. Waiting for the casinos reply. Although an odd scenario, it appears that based on the evidence this far, that no fraud is at play.

Naturally the casino need to sort out the anomoly however, as by their own admission this should never happen, and it does potentially put the customer at risk.

Doesnt this all suggest that somebody is using other peoples funds to get Halycard rewards though? Still dont understand the link between an online casino in Cyprus and a pre paid card reward scheme from Spain.

On Halycard website it says you get 5 for every 250 you spend so i also dont get the potential risk v reward for getting caught out.

Like i said, it seems bonkers to me. Intriguing but bonkers. There could always be another explanation. I may be putting 2 and 2 together and getting 5. Best of luck!
 

Ortmom

Newbie member
Joined
Jun 19, 2019
Location
Unspecified
I'm sorry but what does it mean though? Like if you can still pay without your cvv it just maximizes the risk of fraud or what?
 

bamberfishcake

Senior Member
MM
Joined
Jan 8, 2019
Location
Essex
I'm sorry but what does it mean though? Like if you can still pay without your cvv it just maximizes the risk of fraud or what?

Its what the financial institutions have all agreed.

Yes, your right, it would eliminate some fraudulent transactions if they insisted on cvv checks. Amazon dont require cvv to process every time and you would have thought somebody like they would.

All I know is some providers make a killing out of the non-secure transactions. The average merchant doesnt question what they are and doesnt check their itemised billing. The bills can be confusing and often the merchant will carry on not realising they are paying a lot more per transaction than they could if they tightened up their payment processing.

As for companies like Amazon, maybe the amount they sell through being slightly lax probably trades off against their non secure transaction charges OR maybe the provider voided them to win their card processing business- i think the latter is more likely.
 

Hydr0

cyber chill
PABnoaccred
Joined
Oct 24, 2012
Location
OZ
Update: I’m still waiting for a reply from the casino.

My bank statement now shows ‘miscellaneous debit’ for the Halycard transactions - the normal description for payments processed online.
 

Hydr0

cyber chill
PABnoaccred
Joined
Oct 24, 2012
Location
OZ
Doesnt this all suggest that somebody is using other peoples funds to get Halycard rewards though? Still dont understand the link between an online casino in Cyprus and a pre paid card reward scheme from Spain.

On Halycard website it says you get 5 for every 250 you spend so i also dont get the potential risk v reward for getting caught out.

Like i said, it seems bonkers to me. Intriguing but bonkers. There could always be another explanation. I may be putting 2 and 2 together and getting 5. Best of luck!

Honestly mate, I don’t know what the story is just yet; bonkers is right.
 

Hydr0

cyber chill
PABnoaccred
Joined
Oct 24, 2012
Location
OZ
Honestly mate, I don’t know what the story is just yet; bonkers is right.

Hey, for those of you interested in this thread, sorry to report that there is still no update available from the casino’s support team. Will advise as soon as I receive word from them - appears it could be a while though....

Cheers
 

Hydr0

cyber chill
PABnoaccred
Joined
Oct 24, 2012
Location
OZ
Latest.....

Email from support a complete fail.



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Let’s see.....
 

Hydr0

cyber chill
PABnoaccred
Joined
Oct 24, 2012
Location
OZ
Long time since I’ve followed up on this thread so I’d thought I better provide an update.

I never received a clear and definitive answer from the casino, but the general feedback is that casinos use a wide number of processors, including ones that don’t seem to make sense; such as Haly Card.

It’s pretty obvious to most players I guess these days. At the time I obviously thought it was odd, and I wanted to find out more.

Somewhat of a wasted endeavour....
 
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