I just used iKobo and I used my mastercard. I failed. I was blocked out of my account. My account was deleted.  After payment and verifying my account and sending all the information to Ikobo, copies of my credit card and identity card, I was not spared of the account deletion. I was shocked when I could not enter my account anymore: I was locked out! I contacted iKobo customer service and naturally demanded full refund.

A screenshot of my conversation with ikobo personnel is presented below as well. My name was changed/covered digitally for privacy and security purposes...
I was not able to get 100% of my money but I was glad enough to be able to get around 97% of the amount. I was so glad!!!. I think the difference was in exchange rate fluctuation as my credit card account is in Euro currency while my transaction with Ikobo is in US dollar.

I am glad that I was not able to lost a lot of money but I am warning anyone around just to be careful. I will post here how I spoke/chatted with iKobo personnel and take note of the conversation: maybe it's with what I said that I was able to get a god refund in amtter of two working days.

By the way, I tried to send money to my sister and we have similar sounding first name and the same last name. Thus, if indeed iKobo investigated, there would be no way that I was suspicious. That's a big point I want to emphasize.