Question 1

Why does my statement show a charge from “ghl*dvmar smoking loun” or similar wording?

Accepted Answer

This descriptor typically refers to a payment processed via GHL (a payment processor) for DVMar Enterprises’ smoking lounge at Ninoy Aquino International Airport (NAIA) Terminal 1 in Metro Manila. The actual merchant is DVMar Enterprises, which operates the DVMAR Smoking Lounge in the West Transit Departure Level of T1.

Question 2

What services did I likely pay for at DVMar Enterprises’ smoking lounge?

Accepted Answer

Most cardholders are charged for entry to the smoking lounge at NAIA Terminal 1, which provides a designated indoor smoking area for departing or transiting passengers. Additional charges can occur if you purchase cigarettes, drinks, or snacks sold within the lounge or its adjacent convenience outlet.

Question 3

Is DVMar Enterprises a bar or a shop, and how does that affect the charge amount?

Accepted Answer

Within NAIA documents DVMar Enterprises is listed as a convenience-type concession, but it also operates a dedicated Smoking Lounge in the West Transit Departure Level. Entry fees, plus any tobacco or beverage purchases, can combine into a single card charge, so total amounts may be higher than a simple retail purchase if you used the lounge and bought items during your visit.

Question 4

I don’t remember using a smoking lounge—how can I verify if this DVMar charge is legitimate?

Accepted Answer

Check your travel records to confirm whether you were in NAIA Terminal 1 on the transaction date, then review receipts from airport shops and lounges. Your bank can provide the exact transaction time and local merchant name; matching that against your boarding time and time spent in T1’s West Transit or pre‑departure areas can help confirm if the charge corresponds to your airport stay.

Question 5

Can DVMar Enterprises place a temporary hold or preauthorization on my card?

Accepted Answer

Some airport concessions and lounges briefly preauthorize a set amount to verify your card, then finalize the exact charge once your visit or purchase is completed. If you see a pending DVMar or “smoking loun” transaction for a slightly different amount that later disappears or is replaced by a final charge, this is likely a normal preauthorization rather than a duplicate billing.

Question 6

How do I request a refund or dispute a charge from DVMar Enterprises’ smoking lounge?

Accepted Answer

Because DVMar Enterprises does not prominently list public contact details online, the most practical approach is to work through your card issuer. Provide them with the date, amount, and descriptor including “DVMar” and “Smoking Lounge” at NAIA T1, and request that they contact the merchant through the acquiring network. If you have your lounge receipt, include a copy to support any refund or dispute request.

Question 7

Could someone else have used my card at the DVMar smoking lounge without my knowledge?

Accepted Answer

This is possible if your physical card or card details were accessible to another traveler. Compare the transaction date and time against your own movements—if you were not at NAIA Terminal 1 at that time, contact your bank immediately to report potential fraud. They can block your card, investigate where the transaction was processed, and help recover unauthorized charges.

Question 8

Why does the descriptor include “ghl*” before DVMar on my statement?

Accepted Answer

The “ghl*” portion refers to GHL, a payment processor or acquiring gateway used by many merchants in the region, including airport concessions. The actual merchant in this case is DVMar Enterprises, which operates the smoking lounge at NAIA Terminal 1; the processor prefix is part of how the transaction is routed and does not indicate a separate charge.

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