Lepus

@NQ-Nyzaltar 
I can assure you my bank has nothing to do with this. The reason my bank (or any bank for that matter) has nothing to do with it is that when I go to pay NQ, Xsolla gives me several payment options. The option I chose (because it was the most convenient) was Multibanco. Multibanco is a Portuguese network of ATM machines. When you make any payment through Multibanco, it generates a reference number and gives you an entity number. So for example you pay 60€, to entity number xxxxxx, using reference number yyyyyy. The entity number is not random or chosen by my bank or Xsolla. The entity number is the number that each company is registered with at the Bank of Portugal. Like an ID. It doesn't change.
The thing is, I got this entity number from Xsolla, before i paid anything.
I could have used a different bank at this point, I might not even have a bank account and have to ask a friend to pay for me, it has nothing to do with my bank or my country's banking system. 
Here is a quote from PPRO's web site:
"PPRO helps consumers pay with the local payment method they trust and know, wherever they are. Our partners are local payment methods and payment service providers alike, that we connect through our single payments platform, a single contract and a single integration. This enables merchants to offer their customers the widest possible range of local payment types and services in markets worldwide. And with PPRO’s broad range of payment-related services, we help all our partners grow their businesses, work efficiently and make their transactions secure."
So you see, this is an arrangement between Xsolla and PPRO.
At the end of the day, if nothing goes wrong, everybody wins:
- Novaquark doesn't have to deal with the money
- Xsolla facilitates business for profit
- PPRO enhances Xsolla's reach worldwide by offering local payment methods
- The customer gets the convenience of using a simple payment method
The problem is, when something goes wrong, no one knows where the money is at!
Too many fingers in the same pie!
Too many cooks in the kitchen!
Btw, I'm not a pimple faced teenager, I'm a 45 year old man who has made numerous purchases, from several countries, over many years, using Multibanco, Paypal, Visa, etc. This is the first time something like this has ever happened to me. 
 
@blazemonger
Thanks for saying something. Although I disagree with your opinion that NQ is blameless. The way I see it, although technically that might be true, I still think the responsibility is NQ's. After all, I am their customer, the other companies are intermediaries, facilitators... Still, nice to know someone is listening and takes the time respond!