Processor issue.

skiny

Banned User - violation of <a href="http://www.cas
Joined
Oct 30, 2008
Location
Canada
Has anyone had any problems processing withdrawals to the Titanium Prepaid Visa cards?

I made a withdrawal to my card a week ago from a Microgaming casino and the processor is telling me the card is rejecting the withdrawal.

I contacted Titanium Visa through live chat and explained I was trying to make a withdrawal from an online casino but the processor is telling me the BIN was rejected. I guess that's the Bank Identification Number. This was their response -

Bree: Yeah, i have never heard of a rejected BIN & also, i talked to a supervisor, they don't know what that could be either. Sounds like an issue on their end. As long as they issued your winnings as a refund, they should post no problem within 3-6 buis days.

So I asked them to get the processor to try again and was told today via email "We would like to offer an apology as the processor that we specifically use cannot refund to this card because it does not process gaming payments to the specified bin."

So now I've asked the casino to ask the processor to contact Visa and find out what the problem is (which I thought they should have already done.) And I'm told that could take up to 2 days. I'm not sure why it takes two days. Where I live I only have to push 10 numbers to make a phone call.

What I would like to know is if anyone used one of these cards recently to make a withdrawal. Now that Skrill is no longer an option should we be worried when we make deposits that we'll have to accept international cheques or 20 dollar bank wires to get our winnings? The last time I tried a bank wire it failed for some reason and I never tried one again. Of course that was at Rushmore before they became known as crooks so now I'm not sure if there really was a problem or not.

I contacted the rep here who hasn't been active in a couple of weeks but I'm not sure what the rep here can do that casino support isn't already doing.

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And you've been here how long?

Well, apparently the problem is the processor can't refund back to a card with my BIN. If that is the case what can a rep here or support do?

Besides, if support at a casino can't solve a problem they should be taking it to someone who can not waiting for me to.
 
We have all seen stories on here of the regular support not being able to do anything except offer kind words and reassurances until finally the complainant contacts the rep. here and the problem gets solved.

The things CS should be doing don't always get done without a little encouragement from farther up the ladder.
 
We have all seen stories on here of the regular support not being able to do anything except offer kind words and reassurances until finally the complainant contacts the rep. here and the problem gets solved.

The things CS should be doing don't always get done without a little encouragement from farther up the ladder.

That may be true but if for some weird reason the processor can't process to my card which is what I'm being told there's nothing support or a Casinomeister rep can do. The casino would have to find a new processor.
 
Could you tell us which casino? This is the method I usually use to deposit, and will be the only one I'll be using come January.

Not Microgaming, but I received funds back to my card as Visa Transfer from another casino... could that perhaps work instead of a refund, which is usually just up to the amount deposited if I understand things?
 
Could you tell us which casino? This is the method I usually use to deposit, and will be the only one I'll be using come January.

Not Microgaming, but I received funds back to my card as Visa Transfer from another casino... could that perhaps work instead of a refund, which is usually just up to the amount deposited if I understand things?

I don't see why not. If a casino is using a processor that can't "refund" as the Visa rep called it back to Titanium Visa cards, I would certainly want to know before depositing with one.

The casino is Roxy Palace. I'm still not sure what the problem is but I'm inclined to believe that the processor used an incorrect BIN and then just sent the error back to the casino instead of pursuing it. I can't think of any other reason why there would be a problem. I had a recent withdrawal back to the same card from Bodog with no problems and obviously the rep at Visa and her supervisor didn't have a problem with me using my card for gambling. She even called the refund my "winnings."

This is why I find it strange to receive an email from the casino stating "the processor that we specifically use cannot refund to this card because it does not process gaming payments to the specified bin."

I'm pretty sure if the card didn't process gaming payments Visa would have told me this when I asked why I couldn't receive my withdrawal from an online casino.

I'm not suggesting at this point that the casino is doing anything wrong. I would just like a reason from the processor that Visa can verify. At the moment I'm getting opposite stories. I'm not touching those winnings or accepting another method until Visa and the processor can agree on what the actual problem is.

Our withdrawal methods in Canada are dwindling. To me this is a big deal.
 
I don't see why not. If a casino is using a processor that can't "refund" as the Visa rep called it back to Titanium Visa cards, I would certainly want to know before depositing with one.

The casino is Roxy Palace. I'm still not sure what the problem is but I'm inclined to believe that the processor used an incorrect BIN and then just sent the error back to the casino instead of pursuing it. I can't think of any other reason why there would be a problem. I had a recent withdrawal back to the same card from Bodog with no problems and obviously the rep at Visa and her supervisor didn't have a problem with me using my card for gambling. She even called the refund my "winnings."

This is why I find it strange to receive an email from the casino stating "the processor that we specifically use cannot refund to this card because it does not process gaming payments to the specified bin."

I'm pretty sure if the card didn't process gaming payments Visa would have told me this when I asked why I couldn't receive my withdrawal from an online casino.

I'm not suggesting at this point that the casino is doing anything wrong. I would just like a reason from the processor that Visa can verify. At the moment I'm getting opposite stories. I'm not touching those winnings or accepting another method until Visa and the processor can agree on what the actual problem is.

Our withdrawal methods in Canada are dwindling. To me this is a big deal.

Fair complaint IMO.

Sounds like the BS number is the problem here.
 
This "BIN" seems to be the first 6 digits of the card number, and identifies the specific type of card and issuing institution. The Titanium is a pre-paid VISA card, not a regular VISA credit or debit card. It should be impossible to use the incorrect BIN as it is part of the card number, therefore the problem must be down to the way they are trying to process the payment. Certain types of transactions are barred depending on the BIN of a given VISA card. It may be that they are processing it as a payment, rather than a refund of past purchases, and this is causing it to fail as it's a pre paid card, not a regular debit or credit card.

I have seen such refunds in the past to my own Barclaycard, and when processed as a refund, it appears as a string of credits related to the return of a string of past deposits up to the amount withdrawn, when processed as a payment, it came in as a single lump sum.

A further problem might be down to it being refunded as a gambling transaction, but it went out as a miscoded non gambling "purchase" transaction, something many casinos do to ensure players don't get their deposits blocked. This would mean that the refund would not tally with the purchase in terms of transaction type, even if the amounts and issuing processor were the same.

If some casinos can successfully refund to Titanium cards, but this one can't, then it's something the processor is doing differently that is causing the problem, rather than the card issuer themselves blocking the transaction.
 
This "BIN" seems to be the first 6 digits of the card number, and identifies the specific type of card and issuing institution. The Titanium is a pre-paid VISA card, not a regular VISA credit or debit card. It should be impossible to use the incorrect BIN as it is part of the card number, therefore the problem must be down to the way they are trying to process the payment. Certain types of transactions are barred depending on the BIN of a given VISA card. It may be that they are processing it as a payment, rather than a refund of past purchases, and this is causing it to fail as it's a pre paid card, not a regular debit or credit card.

I have seen such refunds in the past to my own Barclaycard, and when processed as a refund, it appears as a string of credits related to the return of a string of past deposits up to the amount withdrawn, when processed as a payment, it came in as a single lump sum.

A further problem might be down to it being refunded as a gambling transaction, but it went out as a miscoded non gambling "purchase" transaction, something many casinos do to ensure players don't get their deposits blocked. This would mean that the refund would not tally with the purchase in terms of transaction type, even if the amounts and issuing processor were the same.

If some casinos can successfully refund to Titanium cards, but this one can't, then it's something the processor is doing differently that is causing the problem, rather than the card issuer themselves blocking the transaction.

Exactly right. Some BINs will automatically be declined as firstly they (like Egg cards) may prohibit gaming transactions or more likely the BIN is a card the casino can't refund to like certain Mastercards or pre-paid cards which can be used by under 18's.
Barclaycard don't do that now as they charge cash adv fees for each transaction which mean the casinos pay one sum and don't simply cancel deposits like you saw before, if the w/d exceeds them.
 
Exactly right. Some BINs will automatically be declined as firstly they (like Egg cards) may prohibit gaming transactions or more likely the BIN is a card the casino can't refund to like certain Mastercards or pre-paid cards which can be used by under 18's.
Barclaycard don't do that now as they charge cash adv fees for each transaction which mean the casinos pay one sum and don't simply cancel deposits like you saw before, if the w/d exceeds them.

"Bree: Yeah, i have never heard of a rejected BIN & also, i talked to a supervisor, they don't know what that could be either. Sounds like an issue on their end. As long as they issued your winnings as a refund, they should post no problem within 3-6 buis days."

That statement came directly from Visa. The problem has nothing to do with gambling. This card has been used to make withdrawals from dozens of online casinos. The problem lies entirely with their processor and if their processor can't refund back to Visa cards they shouldn't have listed it as an option.

All I got in my email today from the casino was a suggestion to use Skrill. I asked and they did nothing to pursue the problem. When I tell them that all Titanium prepaid Visa cards are the same and if you can refund to one you can refund to any of them they say "We can't confirm that." Well, I can and just did.

Me: Do you want me to open a chat box with Visa again and confirm what I'm saying?
Jasper: It will be difficult to investigate that but I will take it up with our banking representatives to find out if they would be able to come to such a conclusion after conducting an investigation into this type of card
Me: One phone call to Visa.
Me: Why hasn't that been done yesterday?
Me: Has this casino contacted Visa?
Jasper: No but that is no use, as it is not up to Visa to decide what card can be accepted at our casino. I will speak to the Banking reps to see if they can answer the question you are posing
Me: I didn't ask you to let Visa decide what cards can be accepted at your casino.
Me: I asked you to ask Visa what the problem is when I can withdraw to this card at every other MGS casino on the planet.
Jasper: That is a good question. Would you be able to give us info on casinos where the card has been accepted in the past?
Me: Pick one!


Their complete lack of concern about this is starting to aggravate me. They really don't seem to have any desire to find out why this "BIN" number is being refused when it's never been refused by any casino that advertises withdrawals to Visa as an option but at the same time they refuse to admit that all of these cards come with the same options and capabilities. They're basically saying it's my particular card's fault. It doesn't work that way.

Now they're saying they'll get someone to contact me again on Monday. I suggest not playing at this casino if you plan to withdraw to a Titanium Prepaid Visa card. There are lots of MGS casinos that have never given me this hassle with this card. I'll just tell them to send the money to Skrill before it's too late to do so and close my account. By the end of the month Skrill won't even be an option and I'll be stuck paying and waiting for a bank wire.

There's a reason I check the withdrawal methods before I make a deposit.
 
"Bree: Yeah, i have never heard of a rejected BIN & also, i talked to a supervisor, they don't know what that could be either. Sounds like an issue on their end. As long as they issued your winnings as a refund, they should post no problem within 3-6 buis days."

That statement came directly from Visa. The problem has nothing to do with gambling. This card has been used to make withdrawals from dozens of online casinos. The problem lies entirely with their processor and if their processor can't refund back to Visa cards they shouldn't have listed it as an option.

All I got in my email today from the casino was a suggestion to use Skrill. I asked and they did nothing to pursue the problem. When I tell them that all Titanium prepaid Visa cards are the same and if you can refund to one you can refund to any of them they say "We can't confirm that." Well, I can and just did.

Me: Do you want me to open a chat box with Visa again and confirm what I'm saying?
Jasper: It will be difficult to investigate that but I will take it up with our banking representatives to find out if they would be able to come to such a conclusion after conducting an investigation into this type of card
Me: One phone call to Visa.
Me: Why hasn't that been done yesterday?
Me: Has this casino contacted Visa?
Jasper: No but that is no use, as it is not up to Visa to decide what card can be accepted at our casino. I will speak to the Banking reps to see if they can answer the question you are posing
Me: I didn't ask you to let Visa decide what cards can be accepted at your casino.
Me: I asked you to ask Visa what the problem is when I can withdraw to this card at every other MGS casino on the planet.
Jasper: That is a good question. Would you be able to give us info on casinos where the card has been accepted in the past?
Me: Pick one!


Their complete lack of concern about this is starting to aggravate me. They really don't seem to have any desire to find out why this "BIN" number is being refused when it's never been refused by any casino that advertises withdrawals to Visa as an option but at the same time they refuse to admit that all of these cards come with the same options and capabilities. They're basically saying it's my particular card's fault. It doesn't work that way.

Now they're saying they'll get someone to contact me again on Monday. I suggest not playing at this casino if you plan to withdraw to a Titanium Prepaid Visa card. There are lots of MGS casinos that have never given me this hassle with this card. I'll just tell them to send the money to Skrill before it's too late to do so and close my account. By the end of the month Skrill won't even be an option and I'll be stuck paying and waiting for a bank wire.

There's a reason I check the withdrawal methods before I make a deposit.

Sounds like they just want you to use another method. Stonewalling at it's best IMO.
 
Sounds like they just want you to use another method. Stonewalling at it's best IMO.

I don't even mind so much that they couldn't pay to Visa. If this was a new problem and the casino is just finding out that they can't pay to Titanium cards they should be dealing with that.

It happened to 3Dice. Some processors don't refund to these cards and the processor they use doesn't process to these cards anymore. When this changed they admitted that it was a processor issue for all the cards and removed it from the list of withdrawal options.

If Roxy Palace even suspects that players will no longer be able to refund to these cards they should be investigating the situation and removing it from the list as well if this turns out to be the case. The solution is not just to tell one player to pick a new method and then sit around waiting for it to happen again.
 
I don't even mind so much that they couldn't pay to Visa. If this was a new problem and the casino is just finding out that they can't pay to Titanium cards they should be dealing with that.

It happened to 3Dice. Some processors don't refund to these cards and the processor they use doesn't process to these cards anymore. When this changed they admitted that it was a processor issue for all the cards and removed it from the list of withdrawal options.

If Roxy Palace even suspects that players will no longer be able to refund to these cards they should be investigating the situation and removing it from the list as well if this turns out to be the case. The solution is not just to tell one player to pick a new method and then sit around waiting for it to happen again.

This is completely different to "can't" because of VISA restrictions.

I found an online table of all the BINs in use, and which BIN goes with which card. My own cards checked out correctly, with the first digits of my card number showing correctly on this database as matching the bank I know issued the card.

I even think I have found the BIN for this troublesome Titanium+.

On their site:-

Nextwave Titanium Plus is a registered service mark of Nextwave Card Corp.

The Visa Brand Mark is a registered trademark of Visa International Incorporated. This card is owned and issued by Peoples Trust Company pursuant to license by Visa Inc.

MONEY MART is a registered service mark of National Money Mart Company, a wholly owned subsidiary of Dollar Financial Group, Inc.


On the BIN list

4587** - Peoples Trust Visa Gift Card

If correct, the troublesome card will have the number 4587 **** **** ****

It does actually offer an alternate explanation. This is a rarer 4 digit BIN, rather than the usual 6 digits. If the processor is not taking this into account and using the first 6 digits, they could in fact be passing an invalid BIN with the transaction, and I am sure this would also be "rejected by VISA" as they would not be able to match the payment to the correct card.
 
This is completely different to "can't" because of VISA restrictions.

I found an online table of all the BINs in use, and which BIN goes with which card. My own cards checked out correctly, with the first digits of my card number showing correctly on this database as matching the bank I know issued the card.

I even think I have found the BIN for this troublesome Titanium+.

On their site:-




On the BIN list



If correct, the troublesome card will have the number 4587 **** **** ****

It does actually offer an alternate explanation. This is a rarer 4 digit BIN, rather than the usual 6 digits. If the processor is not taking this into account and using the first 6 digits, they could in fact be passing an invalid BIN with the transaction, and I am sure this would also be "rejected by VISA" as they would not be able to match the payment to the correct card.

Actually, that's not the first 4 digits of the card and this is all entirely up to the processor and the casino to figure out.

If I say "I can't play here unless I can withdraw to this card" and their response is "Pick another method" the conversation is over.

I'll have the money sent to Skrill and play elsewhere.

On a side note, I never did get a response from the rep here. I get an email when someone sends me a PM. I guess he doesn't check his email much.
 
BIN

just my two cents....
for almost two years I received withdrawls at a casino with no problem, pay2card, then suddenly no more.... rejected BIN number... I just accepted it because I had other cards, however now your post have made me wonder if it was a casino error.
I guess I assumed that the the CC co. caught on that it was gaming.
 
Not my Titanium Plus Visa beginning digits either. I've had two cards, been with it since they launched the Visa card, and their MasterCard before that.

The also offer a USD card, but I don't have that one.

It's a good thing this happenned now, and not after Skrill is gone.
 
Not my Titanium Plus Visa beginning digits either. I've had two cards, been with it since they launched the Visa card, and their MasterCard before that.

The also offer a USD card, but I don't have that one.

It's a good thing this happenned now, and not after Skrill is gone.

That's exactly why I'm not waiting. If Skrill wasn't pulling out I'd be more stubborn.
 
just my two cents....
for almost two years I received withdrawls at a casino with no problem, pay2card, then suddenly no more.... rejected BIN number... I just accepted it because I had other cards, however now your post have made me wonder if it was a casino error.
I guess I assumed that the the CC co. caught on that it was gaming.

Well, someone's lying.

BINs don't suddenly change overnight, so something else has. If everyone says it's not them that has changed a thing, then one of them is lying.

As this seems more widespread than just one casino and one card, the liar could well be the banks and card companies. They have closed a loophole in their systems, and the symptoms are things like rejected BINs all of a sudden, along with the sudden problems Skrill were having with transferring money to Canadian banks even though they weren't doing anything different.

The loophole that closed may have been the one that has let US players still manage to receive withdrawals back to some pre paid VISA cards despite the banks' implementations of UIGEA, and it has affected Canadian customers too.

The cure may well be to CHANGE how payments are processed, even though "nothing has changed" according to VISA international.

I did find another table online, which related to which transaction types were allowed for given card types, and it was far more complicated than just VISA vs MasterCard. Maybe the BINs are used to determine card type, which in turn determines the allowed transaction types. If the policy tables were changed, it could mean that a specific BIN has been allocated to a different card type, one which has different policies regarding the transaction types permitted. The one I found showed a change of policy on June 2103, but it was not at all obvious what this would affect. It was along the lines of prohibiting points of sale from using their own internally generated BIN tables, and so presumably forcing them to consult an external database likely to be more up to date I can only see this change preventing outdated data being used to encode transactions from points of sale, rather than changing anything to do with payments.

It seems even odder that the PROCESSORS don't seem to have much of a clue as to what is going on, and simply believe that the BIN is suddenly wrong overnight, even though it hasn't changed, can't change, and they have been successfully processing to it before.
 
I sent a private message to the Roxy Palace rep here 3 days ago. No reply.

I sent an email to Roxy Palace the day before yesterday telling them to send the money to Skrill.

They email me back yesterday and say I have to change my preferred method of payment in the cashier.

I change the method yesterday and email them back today asking how long it takes to get money sent to Skrill.

They email me back and say my payment is under review and will be processed tomorrow. (Under review even though they already tried to process the payment once and failed through no fault of my own.)

After telling me the issue with the card was solely the fault of my particular card they never mentioned the issue again. They made no attempt to solve the problem even though they know this will be the last time I can ever use Skrill.

I don't think they're stalling. I think they just don't care and I don't think they have any intention of investigating the card issue or warning people that they won't be able to withdraw to these cards.
 
I sent a private message to the Roxy Palace rep here 3 days ago. No reply.

I sent an email to Roxy Palace the day before yesterday telling them to send the money to Skrill.

They email me back yesterday and say I have to change my preferred method of payment in the cashier.

I change the method yesterday and email them back today asking how long it takes to get money sent to Skrill.

They email me back and say my payment is under review and will be processed tomorrow. (Under review even though they already tried to process the payment once and failed through no fault of my own.)

After telling me the issue with the card was solely the fault of my particular card they never mentioned the issue again. They made no attempt to solve the problem even though they know this will be the last time I can ever use Skrill.

I don't think they're stalling. I think they just don't care and I don't think they have any intention of investigating the card issue or warning people that they won't be able to withdraw to these cards.

They wouldn't care about resolving a situation if they had already decided that in the longer term, the Canadian market was done with. The loss of Skrill, along with increasing problems paying back to Canadian banks, might have them thinking about whether to carry on, and we know that this is just part of another mass exodus from Canada, with Intercasino now pulling out after the earlier announcements from Skrill and Playtech. They may actually know more about the card problem than they are telling, but to say would reveal how they are slipping payments past the various blocks being used by some banks, particularly within the US. They would rather have you forget about trying to resolve the situation by calling VISA or your bank so they are pushing for you to select an alternative rather than carry on trying to find a way to fix the card payment.

This case seems particularly odd because the card provider itself advertises the card as being suitable for online gaming, so as far as they are concerned, there is nothing wrong with you depositing and receiving winnings through it. The problem must therefore lie somewhere in the chain of banks that process the payment, a change of policy now means that your card type, as defined by it's BIN, can no longer accept such transactions.
 
There's a reason why I went straight to Visa to ask. If this was a case of either Visa or the People's Trust no longer accepting payments from gambling sites, neither of them would have a reason to hide it. Skrill didn't wait until after people couldn't receive withdrawals to tell people.

I still have no idea why this one particular transfer failed and because nobody cared enough to investigate it I may never know. But until I see a lot more than just my one failed transaction or until Visa issues a statement that we can no longer receive refunds from gambling sites I'm not going to assume this one particular issue heralds the dawn of a new era for gamblers using a Titanium prepaid Visa.

And no rep ever replied to my PM.
 
There's a reason why I went straight to Visa to ask. If this was a case of either Visa or the People's Trust no longer accepting payments from gambling sites, neither of them would have a reason to hide it. Skrill didn't wait until after people couldn't receive withdrawals to tell people.

I still have no idea why this one particular transfer failed and because nobody cared enough to investigate it I may never know. But until I see a lot more than just my one failed transaction or until Visa issues a statement that we can no longer receive refunds from gambling sites I'm not going to assume this one particular issue heralds the dawn of a new era for gamblers using a Titanium prepaid Visa.

And no rep ever replied to my PM.

It was pretty unusual to get advance warning, just ask US players!

Although this is just one failed transaction, it could mean that any other casino using this same processor could also encounter the problem, and you won't have Skrill backup for much longer. There could also be other processors who are damn sure they are doing it right, but like this one, they are not, and the problem could arise again.

The danger seems to be this particular card. The fact that I got the BIN wrong for your card means that the BIN table I looked at got it wrong too. I could find no other BIN for "peoples trust", yet this is who they claim is the issuer of their cards on the website. If it's there on the BIN tables, it's listed as a different institution.
 
Some casinos have never refunded back to these cards. No RTG casino that I know of refunds back to these cards but they do let you deposit with them. (Except Bodog which isn't really RTG.)

3Dice used to but they stopped over a year ago. Again you can deposit with the card but not withdraw with it. This is not a new issue with this card but this is the first time a casino has claimed you can withdraw with it but the processor says you can't. And if Roxy Palace is using a processor that can't refund back to these cards for whatever reason they need to do what every other casino does and not list it in the withdraw options.

I just can't see Visa or the People's Trust deciding to stop allowing refunds from gambling sites but not only not warn anyone but claim they still can when you talk directly to them.



And still no response from the casino rep.
 
As a US player, doesn't sound at all unlikely to me.

Cards here will work once and then 30 minutes later won't work. If you wait 30 more minutes, they work just fine.

We have never been able to withdraw to a prepaid card and bank cards are iffy.

Canadians may be in the same boat with US players. The "Who knows" boat. Will my card work today? Who knows? :D

Because of the Target fiasco, my CU has taken steps to limit liability in case any of their cards get hacked by lowing our spending limits per day and refusing to allow the MC bank card to be used as a credit card. Found out today that certain states are blocked, California being one, so if a company processor is in one of the blocked states or outside the US, the card won't go thru.

If could be possible that your Visa card has blocked certain countries etc and this is why your card is now not working as it was. Just a thought.
 

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