A McLuck charge on your bank statement is a purchase of Gold Coins from McLuck.com, a sweepstakes-style online casino. The charge usually shows up as “B2Services” or “B2SERVICES-O” rather than McLuck, because payments are processed by B2Services OÜ, an Estonian company. Gold Coin packages run from $1.99 to $99.99 and can be bought by credit card, debit card, Apple Pay, or bank transfer.
Why It Shows Up as B2Services
McLuck.com is operated by B-Two Operations Limited, an Isle of Man company, but the merchant of record on the payment side is B2Services OÜ in Tallinn, Estonia. That’s the name that lands on your statement, often followed by a transaction identifier.1McLuck. Who Is B2Services The same payment setup is used by several sister brands in the same corporate family, including Hello Millions, Jackpota, Mega Bonanza, PlayFame, and SpinBlitz, so a B2Services line on your statement could trace back to any of them.2SportsGrid. Who Owns Jackpota
McLuck itself uses a two-currency setup. You buy Gold Coins, which have no cash value and are used to play slots, blackjack, roulette, and similar games. Each Gold Coin purchase comes bundled with free Sweeps Coins, which can be redeemed for cash prizes or gift cards once you accumulate at least 75 Sweeps Coins and meet playthrough requirements.3McLuck. How Much Do Gold Coins Cost If someone in your household signed up or made a purchase, that’s the most common explanation for an unfamiliar charge.
If You Didn’t Authorize the Charge
If a child, housemate, or someone else used your account or card without permission, change the password on any McLuck account tied to the card, notify McLuck’s support team so there’s a record, and file an identity-theft report at IdentityTheft.gov, the FTC’s reporting portal. Those steps build the paper trail your bank will ask for when you dispute the charge.
How to Dispute the Charge
McLuck’s own support page tells customers it has “no control over the purchases initiated by you” and won’t be liable for any bank fees tied to those purchases. It directs anyone who finds a suspicious charge to contact their financial institution instead of asking McLuck for a refund.4McLuck. How Do I Cancel or Dispute a Recent Payment The company doesn’t publish any timeline for cancellations or refunds.
For a credit card charge, the Fair Credit Billing Act gives you a formal route. Send a written dispute letter to your card issuer’s billing-inquiry address within 60 days of the statement date on which the charge first appeared. Include your name, account number, and a description of the disputed charge, and attach copies of any supporting documents. Certified mail with a return receipt creates proof of delivery. The issuer must acknowledge the dispute within 30 days and resolve it within 90 days. While the dispute is open, you can withhold payment on the disputed amount without being reported delinquent or sent to collections.5Federal Trade Commission. Using Credit Cards and Disputing Charges
Debit card disputes work a little differently, and banks typically enforce chargeback windows of 60 to 120 days. Call the number on the back of your card to start the process and ask what documentation your bank wants.
One practical limit applies to both card types. Issuers generally won’t reverse a charge if you voluntarily used the platform and lost money playing. The chargeback process is built for unauthorized use, fraud, and billing errors, not for buyer’s remorse.
Where McLuck Is Not Supposed to Operate
McLuck’s terms of service block residents of Connecticut, Delaware, Idaho, Kentucky, Louisiana, Maryland, Michigan, Montana, Nevada, New Jersey, New York, Washington, and West Virginia from using the platform.6McLuck. Terms of Service If you live in one of those states and a B2Services charge appears on your statement, the platform isn’t supposed to be processing transactions from your address at all. That fact is worth raising when you talk to your bank, and it strengthens an unauthorized-use claim if the account wasn’t opened by you.
Lawsuits That May Affect Your Options
Beyond a bank dispute, there are active legal proceedings that could matter if you’ve lost money on McLuck.
Attorneys working with ClassAction.org have opened a mass arbitration investigation into McLuck, gathering individual consumers who lost money on the platform to pursue claims through arbitration, a legal process conducted outside of court.7ClassAction.org. Online Gambling Class Action Lawsuit Alternatives
In November 2024, a New Jersey resident filed a federal RICO suit in the U.S. District Court for the District of New Jersey against B-Two Operations Ltd. and other sweepstakes operators, along with Apple and Google, accusing the operators of running an illegal gambling scheme and the tech companies of profiting from it through their app stores and payment platforms.8Justia. Bargo v. Apple Inc. et al. On March 4, 2026, the City of Baltimore filed a separate lawsuit in the Circuit Court for Baltimore City against six social casino operators, including McLuck’s operator, alleging violations of the city’s Consumer Protection Ordinance and seeking civil penalties, consumer restitution, and an injunction barring the operators from offering games to Baltimore residents.9CBS News Baltimore. Baltimore Sues Major Social Casino Operators
Washington’s attorney general has also sued other social casino operators under the state’s gambling laws, which is part of why Washington sits on McLuck’s restricted list.10Washington Attorney General. AG’s Office Sues Illegal Gambling Apps None of these cases automatically refund your money, but they’re worth knowing about if a chargeback is denied and you want to pursue recovery another way.