A MCLUC NY charge on your credit or debit card statement is a purchase from McLuck.com, a sweepstakes casino, processed by its payment agent B2 Services OÜ.1McLuck Support. Who Is B2Services The line item covers a Gold Coin package bought on the platform. If you don’t recognize it, the likely explanations are a purchase by someone else with access to your card, a forgotten transaction, or, less commonly, an unauthorized use of your payment method that you can dispute with your bank.
What the Charge Pays For
McLuck sells Gold Coin packages, which are virtual tokens used for social play with no cash value. Each package includes complimentary Sweepstakes Coins, and those coins can be redeemed for $1 USD each once the player meets minimum thresholds and completes identity verification.2McLuck Blog. Sweepstakes Coins
Package prices run from $1.99 to $99.99, so a MCLUC NY line item will normally fall inside that range.3McLuck Support. How Much Do Gold Coins Cost Accepted payment methods include Visa, Mastercard, Discover, Apple Pay, Google Pay, Skrill, and Trustly, and purchases process instantly. McLuck does not add its own fees, though your bank may.4PokerListings. McLuck Casino Payments
Why the Descriptor Reads “MCLUC NY”
“MCLUC” is a shortened form of “McLuck,” trimmed to fit the character limits banks apply to billing descriptors. The “NY” tag most likely refers to payment routing rather than your state. All McLuck payments are handled by B2 Services OÜ, registered in Tallinn, Estonia (company number 16579410).1McLuck Support. Who Is B2Services5Better Business Bureau. B2 US INC
What To Do If You Don’t Recognize the Charge
Start close to home. Check whether anyone else with access to your card, phone, or accounts could have bought a Gold Coin package. McLuck’s own support pages direct users to review their financial statements and purchase history before escalating.6McLuck Support. How Do I Cancel or Dispute a Recent Payment
If the charge still looks wrong, McLuck instructs users to contact their financial institution directly. The platform treats Gold Coin purchases as final and says it will not be held liable for any bank fees related to purchases.6McLuck Support. How Do I Cancel or Dispute a Recent Payment
To stop future charges, you can close the McLuck account by contacting support through chat or a submitted request, providing your name, the registered email address, and the reason for closing.7McLuck Support. How Do I Close My Account
How To Dispute an Unauthorized MCLUC NY Charge
Federal protections differ depending on whether the charge hit a credit card or a debit card, and the difference matters.
Credit Card Charges
Under the Fair Credit Billing Act, your liability for unauthorized credit card charges is capped at $50. To formally dispute a billing error, send written notice to your issuer’s billing inquiry address within 60 days of the statement date, including your name, account number, and a description of the disputed charge. The issuer must acknowledge the complaint within 30 days and resolve it within 90 days. While the investigation is pending, you can withhold payment on the disputed amount, and the issuer cannot report you delinquent or take collection action on that portion.8FTC. Using Credit Cards and Disputing Charges
Debit Card Charges
Debit card disputes fall under the Electronic Fund Transfer Act, and the clock runs faster. Reporting an unauthorized transaction within two business days of discovery caps your liability at $50. Reporting later than that but within 60 days of the statement date can raise liability to $500. Wait past 60 days and you may be on the hook for the full amount of any subsequent unauthorized transactions. Banks generally have 10 business days to investigate and must issue a temporary credit if the investigation runs longer.9CFPB. How Do I Get My Money Back After I Discover an Unauthorized Transaction
A Note on Chargebacks for Sweepstakes Purchases
Chargebacks against sweepstakes casinos are not automatic. The merchant gets to respond and try to show the charge was valid, and your bank makes the final call. If the purchase was made from your own account and looks legitimate on the merchant’s side, the dispute is likely to be denied. The process is built for unauthorized or fraudulent transactions, not for buyer’s remorse over virtual currency.
If You’re in New York
New York is a special case, and it explains why some searchers land on this charge with extra alarm. In June 2025, Attorney General Letitia James issued cease-and-desist letters to 26 online sweepstakes casino operators, including McLuck, calling the platforms “illegal, dangerous, and unlawful” and citing the lack of state audits or regulatory oversight.10NY Attorney General. Attorney General James Stops Illegal Online Sweepstakes Casinos
New York Senate Bill S5935A, signed on December 5, 2025 (Chapter 605), made it unlawful to operate, conduct, or promote online sweepstakes games in the state. The law reaches operators, financial institutions, payment processors, and geolocation providers that support these platforms, with fines of $10,000 to $100,000 per violation.11New York State Senate. Senate Bill S5935A As of 2026, McLuck lists New York among its restricted states and blocks access and coin purchases from there.12Covers. McLuck Promo Code
If you’re a New York resident seeing a MCLUC NY charge dated after the platform stopped serving the state, the transaction may have processed before the shutdown, or it may be worth raising with both McLuck support and your card issuer as a possible error or unauthorized use.