If you have played pay to win gaming for a time, you no doubt have heard of loaders. Loaders that could get your packs and loot boxes at discounted prices. They have been around for awhile. While some use what is considered legal methods, others have been using fraud that hurt gamers and developers alike.
This story is about loaders who use fraud, and covers how the fraud works. I warn this is not a how-to. The results as demonstrated below, have consequences.
Some players knew upfront about the fraud the loaders they employed use, others were new and unaware, not knowing the difference between criminal loaders and market loaders. Judge carefully when a player says they used a loader. Be sure they knew and now know the difference before condemning.
The difference between a criminal loader and market loader are being defined here as follows:
Uses stolen or fake credit card cards to pay a developer after receiving real world money from a player -or-
Uses an exploit or other means to obtain a refund from the developer after the developer was paid and delivered loot boxes and packs to the players. The criminal loader keeps the players’ money and the refund.
Discounts offered to player usually at 50%
Uses fluctuations in currency values and market prices by country to make purchases on behalf of the player in a favorable country. The developer gets the price offered in that country. We are currently inquiring if this completely legal. Will update if found not to be.
Uses bulk purchases of virtual currencies such as Amazon credits at a discount and uses the virtual currency obtained cheaper to purchase in game loot boxes and packs for the player.
Discounts offered to players usually 5-20% range
The consequences to the players and developers can be catastrophic. In my last post a developer never addressed what they should have been monitoring as ongoing refund fraud, and suddenly banned any player ever receiving a refund for any reason at all. The players no longer trust the developer, and the developer is continuing to lose money as players flee, and seek more refunds for accounts they can not access. Developers are hurt and must be proactive.
Players risk a great amount. As just stated, they can have their accounts banned. They also risk personal property and identity fraud. To work with a loader you have to give a loader your personal login credentials.
Market loaders run a risk of players being deceptive also. Not a career to take light hearted and without thought. We also live in a time where lawmakers are pounding the digital market with rules. What was legal yesterday, might not be tomorrow.
Not sure of the platform like Google or Apple lose anything more than handling charge.
So who are the players, the loaders? Lets highlight Phenoid:
That leads to this …..
That was just some of Phen’s unhappy customers.
To the players who knew the loader was charging back after each purchase, promoted their services for gain, or used their techniques to create game accounts for sale. Read the following….
Paytowin.org despises the tricks used in pay to win gaming to addict, but will never condone fraud or crime on the part of players or third parties. Pay to win games need regulations to abate the addictive mechanisms and mis-advertising, but criminals also need to be held accountable.