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CW processor takes 'extra' ?

Mousey

Ueber Meister Mouse
Joined
Sep 12, 2004
Location
Up$hitCreek
Messed with my mind... and my balance...

Deposited $30.10 (and that's what went into my CW acct) using prepaid... but $30.53 was charged by processor. Not cool.

I noticed it when I went to double check my balance after trying to make another deposit which didn't go thru for 'insufficient funds'. No kidding... I was .43 short.

Happened last holidays when I was playing, but thought I'd just goofed on my figures.

I'd forgotten how much it costs just to get money from here to there... pffffffft....

Screw it... I'm going to go watch Indy...

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It happens all the time when I deposit. You have to make sure that you have anywhere from $2 to $5 more than your deposit amount to take care of the 'extra'.

I have never had any problem with CW processors but I am just not too comfortable with them right now. I think it has to do with the actual countries they charges are coming from. It's probably just me. LOL!
 
Well, my card charges me $2 per... but at least I know how much they take out, so I can allow... but that 'guess how much we skim off the top' processing... that sucks. No telling how much the casinos pay processors on top of that per transaction.

I didn't see anything weird with my INet deposit. Just the CW.

*sigh* No wonder I quit playing. LOL
 
When using my Visa debit card, iNetBet and Jackpot Capital always charge a little less, by a few pennies, never more than my deposit amount. That's how it should work rather than more. I deposit 50 or 100 and the charge will be 49.89 or 99.97, for example. I guess they think that makes the withdrawal look more like a store purchase? The games we all play just to play!! :D
 
On my last 3 deposits to CW casinos, I was charged 49.96 plus $1.75 on one, $24.92 plus $.87 and $50.02 plus $1.75. Each extra shows the processor. Now if you add this up, I got charged $3.37 over on 3 deposits. That could turn out to be a nice bit of change for somebody in a months time.

Sloto deposits don't do that.
 
On my last 3 deposits to CW casinos, I was charged 49.96 plus $1.75 on one, $24.92 plus $.87 and $50.02 plus $1.75. Each extra shows the processor. Now if you add this up, I got charged $3.37 over on 3 deposits. That could turn out to be a nice bit of change for somebody in a months time.

Sloto deposits don't do that.

Annie,

The charges for your deposits are easier to calculate as they work out to 3.5% for each transaction. I do not understand the discrepancy with Mousey's charges but obviously I would opt for hers as its only 1.4% lol.
 
One other thing that bothers me, I don't mind the clothing I buy from China or the computer stuff from Azerbijian but a couple of my last deposits were tagged 'medical supplies' from Hong Kong.

As paranoid as the US is about overseas medical purchases, this might be a big red flag to the bank. I might be as paranoid as the gov. but I just am not at all easy about charges tagged this way.
 
One other thing that bothers me, I don't mind the clothing I buy from China or the computer stuff from Azerbijian but a couple of my last deposits were tagged 'medical supplies' from Hong Kong.

As paranoid as the US is about overseas medical purchases, this might be a big red flag to the bank. I might be as paranoid as the gov. but I just am not at all easy about charges tagged this way.

Yeah, it begins to feel kinda weird... I think I can handle explaining the games I access online for a fee... ummm... maybe like facebook... or ummm... pogo or something :p easier than some of the stuff CW comes up with... maybe medical supplies are dog vitamins? ;)
 
i posted last year about lucky red doing it to me over 10$ i had to send them in proof and then they put it back into my account but they r now

doing it again iput money into tonight and sure enough they r taking more then they should and if i look back there will more then likely be more.

so i,m done with them.

this is not the frist time and i don,t think they will stop.

i,m going to see if i can find the one i posted.

there is also a e-mail i got from them.

https://sussexmskpartnershipeast.com/forums/threads/overchargeing.47412/
 
Oh, I don't think CW is getting the 'extra'... I think their processor is 'skimming' and keeping it. Per individual transaction, +.40 or even .70 is not that much... but that much for EVERY USA card transaction adds up and is putting some extra moolah into someone's pocket. I only play a little bit every few months, usually during a long holiday weekend (like this one) for a bit of recreation, so I really hadn't noticed.

And from your experience kauphy, CW knows about it, but their processors are still doing it 6 months later.... Heaven knows we pay out the wahzoo just trying to get money from here to there (and vice versa for the few lucky ones) without these 'unknown' fees showing up. If it's a set percentage for whatever reason (conversion rate?), we should be told about it.

I know it's a holiday, but I'm going to PM Tom to this thread.
 
Not to change the blame on casinos, sloto has been doing this to me alot lately too. Granted it's normally only for as much as a quarter more, but the charges aren't coming thru exactly as being said. This is not including my international transaction fee. Then today I got a weird charge that came thru on one of my older cards for $0.99 from a descriptor I didn't even recognize, it was from an Animal Hospital for $0.99 in the country of Azerbijian.
I'm wondering if these processors are no longer happy giving us discounts?
 
Not to change the blame on casinos, sloto has been doing this to me alot lately too. Granted it's normally only for as much as a quarter more, but the charges aren't coming thru exactly as being said. This is not including my international transaction fee. Then today I got a weird charge that came thru on one of my older cards for $0.99 from a descriptor I didn't even recognize, it was from an Animal Hospital for $0.99 in the country of Azerbijian.
I'm wondering if these processors are no longer happy giving us discounts?

That is worrisome, as how the devil do you know what it's for? You know it's not a deposit - so the processor just decided they wanted another dollar? And what international transaction fee? Your card charges you that?

If any of these jokers tries to charge one of my old cards, they'll be SOL because I don't do the 'permanent' NS just using the temporary card for a couple months, then letting it go dead. Then get a new one should I want to play after a few months.

So what happens if you dispute the charge? Will you then be blacklisted at the casinos for chargebacks?

The more I read, the less I'm liking this whole thing.... I pity anyone that uses a 'real' bank CC or debit card.
 

i don,t think they are getting the extra but seeing they are the ones using the processor then they need to do something about it.

if they can.
 
Just for grins, I went back thru my deposits for the month and figured out how much over I had been charged. I am more than little annoyed. Most of the deposits were to Club World casinos.

I was charged $34.01 over what I had deposited. Seriously? Are the casinos paying these guys to process deposits/withdrawal and then they are gouging us again? Heck, I could have made another deposit with this. :mad:
 
You are being charged over the limit you are autorizing the transaction for? I know in the retail world that is illegal. That in the governments eyes is stealing. I remember years ago, like 7 or 8 years one grocery store had over charged me a few dollars. A friend of mine was the manager at the time before he passed away, I showed him my receipt and the charge on my bank statement. He immediatly credited my debit card. There must have been a glitch in the system, because it was in the news that the government fined the store almost 70 grand for stealing. And to make good on everything the grocery store credited the amount overcharged and then gave a gift card to the store for that amount too.

I would bring this to Toms attention, and see what his take is on the situation. I agree with most of you when it was said that it isn't the casino, but most likely the processor. But Tom should be aware of this because it is the Casinos customers that are unhappy about it.

LH
 
Well see I ended up as of late dumping Netspend, mainly because I got tired of being randomly declined at casinos. So I switched to something else for a bit. I haven't made a deposit into Netspend for well over 3 months, then magically I get a text message. Informing me I had been charged $0.99 on a Netspend account that had apparently a positive balance of $0.77, which now results in my Netspend card being overdrawn for $0.22.
To say the least, I'm rather upset because I really don't feel like paying Netspend back the $0.22 for a processor or someone who decided to steal a batch of casino's credit card numbers. My guess is someone is running tests on cards to see what cards are active and which ones aren't. If this settles I have no idea what to do. To be blacklisted over $0.99 will be not a good ordeal. Yet if I see more and more random charges try to come thru. I will not be a happy camper and take my aggression out on the casinos for turning to a really, really, rogue processor to process there payments.
 
Cheetah,

The extra charges come in on my NS card with the deposit most of the time. Say a deposit of $24.95 to XYZ and then another charge of $.81 to XYZ company also. However, I did have one come thru today for $1.95 which also overdrew my NS card.

I have alerted Tom to this problem so we shall see what comes of it.

NS and I are parting ways also but for different reasons. LOL!
 
Question...

Isn't NS a prepaid?

If it is a prepaid, then how can they "charge" you for being over if the money isn't on there? They only one way I know of that this could happen is if they (either processors or NS themselves) are using authorization numbers more than once.

I would contact NS and see what these authorizations numbers are. Because if it is infact these processors trying to see what cards are good and what ones are not, and it is from CWC, they should take immediate action against them. They are ripping off CWC players, and I am sure CWC will not be to happy about it.

This is just horrible that it is happening. If it is happening to you memebers here, can you imagine how many others this is happening to who arent members.

Please keep us posted.

LH
 
Cheetah,

The extra charges come in on my NS card with the deposit most of the time. Say a deposit of $24.95 to XYZ and then another charge of $.81 to XYZ company also. However, I did have one come thru today for $1.95 which also overdrew my NS card.

I have alerted Tom to this problem so we shall see what comes of it.

NS and I are parting ways also but for different reasons. LOL!

Was the $1.95 from a processor that you're familiar with? And how the devil did they put NS into the red? Guess I'd better keep an eye on my NS this week...

I alerted Tom to this thread this morning, too. Hopefully, he'll be taking a look at the problem.
 
Depending on your level of Netspend, they will cover up to $10 so it is possible to overdraw the card.

But now here's the odd part, these extra charges are not coming in at the time that you do the transactions. They are separate transactions but to the same processor that was used for the deposit. The original transaction shows up as pending and then when it goes thru, the extra charge is made. So it could be several days until the extra charge is made.
 
Well see if you've had a direct deposit or an electronic funds transfer from any source, be it pay pal, your bank, or whatever. They'll offer there card members a courtesy overdraft cushion of $10 over what you have on your card. Then to repay back what you spent, they'll just take it from your next deposit at no extra charge. Yet what I'm not understanding is why I'm being offered this "cushion" still 3 months later after obviously I haven't made a deposit or even a charge on it in 3 months.
Kinda aggravating ya know.
 
Hello,

Sometimes when you deposit in the casino the transaction comes through on your card as an overseas transaction or as a cash advance, and some card issuers charge for these kind of transactions.

Without checking into specifics i cannot say exactly what has happened in each case, but i can say that these charges are definately not being collected by us.

Kind Regards
Tom
 

Most here realise this, but the unpredictable nature of these charges makes it impossible for players to operate their cards properly, and more importantly, "under the radar". The issuers are going to see players continually trying to use cards beyond their prepaid limit because one of these random extra charges has buggered up their calculations. Some may even keep pestering the issuer for more information on why they are being hit with such charges. This will produce what the casinos don't want, a more thorough investigation of what is going on with these customers who use their cards for transactions outside of the US. This could result in even more issuers blocking their products for international use, a trend that US customers have been seeing recently.

Some report having international use blocked by default, and having to make a case, and sign a disclaimer, before the block is lifted. In many cases, they have to sign to say that they will not attempt to use the card for illegal transactions, such as casino deposits. This can mean that if they then do so, they can be prosecuted because they have signed a legal agreement not to.

Some of these descriptors seem even worse than offshore gambling sites in terms of what Homeland Security might see as high risk transactions. Sending money to a dodgy country, such as 99c to the odd animal hospital, may look far more like funding terrorism than a gambling transaction. This is bound to get more departments of the FBI and Homeland Security involved than would be if it was merely a case of tracking down UIGEA offences. In turn, this will speed up the process of finding and shutting down the processors.

If things are getting this bad, an exit from the US market should be considered by both players and casinos.

Better communication would help, as if players were kept in the loop as to what to expect, they are not going to ask questions of their card issuer when something odd happens. They can also budget better if they know what amount IN TOTAL will be called for from their card for each deposit, even if the charge is split as seems to be in some cases.

It already seems that Netspend are "on to it", and are actively looking for such odd activity as they know it is most likely due to gambling purchases going through front companies, and getting miscoded in the process.
 

Thanks for your reply, Tom. I don't believe any of us think CW is collecting the extra charges. Personally, I believe it's the processor(s). Are the processors charging us International transaction or foreign conversion fees?

I may be wrong, but it is my understanding that here in the states the new laws concerning debit/credit card require the card issuer itemize each and every charge by the bank/issuer. My card charges me $2 per transaction. I know this, I count for this when depositing. And the $2 is listed separately as a transaction fee. So far, my deposits have been listed as purchases and I have never been charged anything more by my card than the $2 transaction fee.

But when I deposited $30.10 to Club World, it shows up as $30.53 to that particular processor for that deposit. So the 'extra' appears to be added on the processor end.

For reasons I'm sure you understand, I hesitate to delve into this with the card issuer for more specifics on the transaction since the overage is minor ... but Annimac and Cheetah have some pretty strange things going with their cards and it's more than just my piddly little .40.
 
Netspend fee

A few months ago, Netspend started charging a rather sizeable (3.5% of so) fee for all foreign transactions so I stopped using them for any casino purchases. My account was actually overdrawn by a few dollars as well because of this. I closed my account with netspend and asked them if they wanted the money I was over but they never responded.
 


no tom right when i put money into my account i go and look and its still in pending but its over the amount that it said would be taken out of my account and this has been going on since last year.

and when it post to my account its still over the amount. i did let lucky red know this was going on last year and it stopped for while but they r back to doing it again and now i,m not going to be playing there anymore caz it all adds up.

also netspend does charge a fee but that is done seperate from the origanl charge so that is not it.

and i did,nt mean lucky red was doing it caz i know its not them.
 
Simmo,

Not sure what I posted that I shouldn't have. I was under the impression that the 'America the Beautiful' area was a locked area.

If it was the processor names, I apologize for posting them but seriously, what are we trying to hid? I get a charge from China that is coded 'medical services' and they think it's not going to raise a flag? I certainly hope my card carrier doesn't ever question me about it because it's gonna be real hard to pass it off as something else.
 
Ok I while I realize this is going to look ugly. I have gone back thru the last few transactions I have. I am including the foreign transaction fee where it has posted. What scares me is the fact, every single transaction I have done thusfar. Have always been authorized for a penny more than what the final authorization screen says. I don't mind a penny, really I don't, but if I were to load $20 exactly into my prepaid account. Then the processor was the sneak on the extra penny or the conversation rate makes for an extra penny. I would get declined each and everytime. Just saying.
So below is kind of a posting of what I have seen. Sorry if this formats horribly, but am trying to show you the fact that the processors or the conversation rate isn't always what it says.

Amt Authorized | Amt Actually Charged | Fee For Intl Trans | Posted Amt
$21.70 $21.71
$21.25 $21.26
$20.50 $20.51
$19.97 $19.98 $0.59 $19.98
$23.25 $23.26 $0.69 $23.26
$24.50 $24.51 $0.74 $24.51
$23.97 $23.98 $0.71 $23.98
$37.65 $37.66 $1.12 $37.66
$20.95 $20.65 $0.62 $20.65
 
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Your post made me look at mine and it is alot worse

These processors are Club World and LuckyRed this is from one deposit of $30 as you can see I was chgd extra 0.99 PLUS a Foreign transaction fee of $1.08 PLUS a Signature Purchase transaction Fee of $1.00. So an extra $3.07 went to Club Worlds processor and it is the very same one that was previously posted.

Since I have to LOAD money onto my card to play the store I load charges a $3.95 fee as well, before I even get home and start playing so since I deposit and play weekly with Club World every $30.00 dep I make, the $3.95 to load the card charged by the store, and the EXTRA PROCESSORS FEES of $3.07 total $7.02. EACH SINGLE DEPOSIT.

05/13/2012

Description: Debit: Signature purchase

With Card: ************
Clothing -$30.99
05/13/2012
Description: Debit: Foreign Transaction Surcharge

With Card: ************
Clothing -$1.08
05/13/2012
Debit: Signature Purchase Transaction Fee

With Card: ************
Clothing -$1.00

Here is one where I know I deposited $35 so it is a penny less, I am happy the casino gave me the penny.
05/27/2012
:mad: Miscellaneous General Merchandise -$34.99
05/27/2012

Description: Debit: Foreign Transaction Surcharge

With Card: ************
Miscellaneous General Merchandise -$1.22
05/27/2012
Debit: Signature Purchase Transaction Fee

With Card: ************

Miscellaneous General Merchandise -$1.00

The amounts I deposited this weekend was over $300 so these were not the only deps
05/25/2012

Medical Services -$24.95
05/25/2012
Debit: Signature Purchase Transaction Fee
Medical Services -$1.00
05/25/2012
HONG KONG
Medical Services -$0.87
 
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Dodgy processor skimming ...

If you want to keep playing at CWC casinos and want to avoid the obvious theft, use the voucher option with your prepaid card. Make a voucher for the amount you want to deposit and deposit that amount, that way they can't skim off the voucher.
 
How does the voucher thing work

Hi thanks,

I would love to do the voucher system how does it work I use the Netspend card. I have made $831. deps to casinos for this month May alone, most of them Club World or Luckyred. Makes me sick that for every deposit made I am charged all that extra money. :eek

I hope yr right about the voucher thing, the reason I say this is the DAY you dep lets say the $30 5/29 all I will see at netspend is the $30 pending for whoever the particular processor is. It will be 5 days later when it post and that is when I see $1.00 signature authorization, $1.00 for foreign transaction, $30 for the original deposit made.

They don't add those hidden fees until 5 days later when it posts.
 
There's a thread somewhere about pasteandpay, details how you go about getting and verifying your account. They charge your card and you have to type in the digits in your billing description to verify who you are. Also have to answer a text message on your cellular for something or another.

Mind you.. you can only buy 4 vouchers per 24 hours. But you can buy a lump voucher and use various amounts with the same PIN up to the total of the voucher. I'm not sure this goes through the actual processor so unsure if they could skim off of it this way. But 4 every 24 hours is a GREAT way to control your gambling budget.. sort of a cool off period. I could have used some cooling off when Paydirt ass raped me for $800 in one night awhile back.

This is the only way I deposit, there's no fee for the voucher aside from the international transaction fee from your card/bank.

P&P are taken at all the CWC casinos and mins are $15 I think at all of them.

So far I haven't found a prepaid that'll decline, unless it's a no int'l transactions. They did have paypal as a funding option but it's disappeared from the payment option page.

NS may be charging you all that extra charges. I've never used an NS card but on some of my prepaids the international fee will have the same billing description as the original deposit making it APPEAR I was overcharged.
 
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@lettingyouknow
If your making more than 10 transactions per month, have you thought about doing a $9.95 monthly plan? Then that way your per purchase fee is capped at the $9.95 mark versus paying $1.00 per transaction. It doesn't avoid the foreign transaction fee, but will save lots of headaches in the end.
 
Please tell me how that works

That would be great May 2012

May 2012 Rewards: $0.00
View Your Rewards Summary

93 debits for a total of $831.35 spent.
11 credits for a total of $794.00 deposited. Yes over 10 transactions but I checked again and these extra chgs are from the Processors for Club World and LuckyRed not charges from my Netspend acct.

What shocks me is (besides the amt of money gambled in a month, with nothing to show for it) and I really can't believe that Casinos are not aware of the charges from their processors to the casino guests. I am curious if their is some kind of kickback?

05/27/2012

Description: Debit: Signature purchase from

With Card: ************
Miscellaneous General Merchandise -$34.99
05/27/2012

Description: Debit: Foreign Transaction Surcharge

With Card: ************
Miscellaneous General Merchandise -$1.22
05/27/2012
Debit: Signature Purchase Transaction Fee

With Card: ************
Miscellaneous General Merchandise -$1.00

The Signature Purchase Transaction Fees are from the processor, not Netspend but I would like to know about the $9.95, are you saying that if i call netspend and say pls chg my card a monthly fee of $9.95 then I will not be charged these Signature Purchase Transaction fees from the casino processor?

Thanks so much for your help and to you brian for the voucher info.
 
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No the casinoprocessor is charging the extra fees not Netspend

@brian

NS may be charging you all that extra charges. I've never used an NS card but on some of my prepaids the international fee will have the same billing description as the original deposit making it APPEAR I was overcharged.

These descriptors are ALL the same from the processor not Netspend.

Example $29.95 (for the casino deposit) Beijing processor
$1.00 Purchase transaction fee Beijing processor
$1.22 Foreign transaction fee Beijing processor:mad:
 
See with your Netspend, there are 3 different parts to a casino transaction.

The transaction from the processor, we'll say for simplicity purposes is $20. That's the money the processor is getting.
The next transaction you'll see is a foreign transaction fee. This is a fee that Netspend makes as a courtesy for you. To convert your US dollars to whatever currency your transacting in.
Then the 3rd transaction the signature purchase fee is another fee that Netspend is tacking on. This is there fee for providing the card to you.

Netspend currently has 3 tiers of fees that they collect from you while you are there customer.

There is a per purchase fee. Which is the signature purchase fee, they'll take $1 off of you per purchase you make on you card. This fee is great if you make less than I would say 5 transactions per month on your card.
There is a $9.95/month fee plan. Which for $9.95 a month, they'll waive that per purchase fee that they've been charging this whole time. In agreement that you keep at least $10 on your card each month for them to take. Then when the casino charges come thru you won't see that 3rd charge I was talking about.
Then 3rd tier is an option offered to only those who they deem worthy of getting this tier. Which is called premier. They charge you $5/month instead of the $9.95 and offer a cushion of $10 if you've made a deposit in the last 30 days, and also have used this in the last 30 days either.

You can make this change online right in your account settings, which is available under the my account drop down menu. You'll see an option called Fee Plans, where you can make this change right online with the phone call. They will change it for you by phone, by why bother with the long wait for customer service. When you can just change it online.

I'm really trying not to change your mind about the way you've been doing business with your card. Just trying to save you money is all. :)

Hope this helps.
 
Thanks cheetah just confused

Cheetah thanks sooo much for your detailed explanation, I am just confused why the transactions all say Bejing (example here for processor name) Processor is who charged these fees?:o
 
Simmo,

Not sure what I posted that I shouldn't have. I was under the impression that the 'America the Beautiful' area was a locked area.

If it was the processor names, I apologize for posting them but seriously, what are we trying to hid? I get a charge from China that is coded 'medical services' and they think it's not going to raise a flag? I certainly hope my card carrier doesn't ever question me about it because it's gonna be real hard to pass it off as something else.

Hi Anniemac,

It's a locked forum - not a "private" forum - so the search engines can't crawl and index the threads but anyone in the US can signup to the forum and get access when they are in the right user group.

No need to apologise, just be aware that information in here isn't private :thumbsup:
 
Well... NS used to be a pretty good way to deposit. I really don't like what's happening with all these extra charges. I use a temporary card and this one is going to lie in the drawer and lapse (again).

NS, if they are charging these international fees, should be listing them as such and not as a payment or fee to the the processor. (I notice all our 'statements' look different depending on who/where we got our card from, I imagine.) It is deceptive of them to list something THEY (NS) charge as a fee charged by the processor. Unfortunately, we are all in such a rock/hard place situation that it is difficult to impossible to get clarification or dispute charges with NS.

All these ridiculous fees, hidden charges, cloaked charges.... the hooping jumping has reached insane proportions... buying medical supplies from China for craps sake.... :rolleyes:
 
Oh I agree, once I read that there International Transaction fee was going to be 3.5%, I got really upset. It was bad enough I was paying $5/month for having the card plus whatever I had to pay to load the card. I ended up switching lately, and haven't looked back since. Granted I'm still paying the international transaction fee, but it's currently set at 3% versus 3.5%. My monthly fee is non existent and I can load the card from my bank account for a decent charge.
These prepaid cards know how the play the game. If we want to play bad enough we'll pay the man the fees to use them. I suppose it's there "fine" money for whenever the DOJ says there still not doing there due diligence for making sure that certain transactions aren't being conducted on there cards.
Since I don't work in the banking industry I have no idea what there International Transaction fee really helps with, I really have no idea if it really costs $0.60 per $20 spent to convert the US dollar to whatever currency that they pay the processor into or not. Either way it's all a money game, for Netspend and sometimes the casino.
 
Then 3rd tier is an option offered to only those who they deem worthy of getting this tier. Which is called premier. They charge you $5/month instead of the $9.95 and offer a cushion of $10 if you've made a deposit in the last 30 days, and also have used this in the last 30 days either.

I got my first NS card last week after researching different cards (didn't see this thread). I didn't chose the Premier because of the direct deposit requirement - don't feel comfortable doing that.

How Do I Qualify For An Upgrade To NetSpend Premier®
Qualifying is easy. Just set up free direct deposit and make a total of $500 in Direct Deposits during one calendar month. Then, we'll automatically upgrade you to a NetSpend Premier card.


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