An iGaming payment solution is the combination of acquirer, PSP or gateway, local payment methods and payout rails that lets an operator take deposits and pay out winnings. Which of those will work for you is decided almost entirely by licensing and player geography: a provider that boards a Curaçao-licensed casino is rarely the same one that boards a UKGC-licensed brand, so the first step is matching your licence and markets to an acquirer's gambling programme.
Start from the licence you hold and the markets you actually serve. An acquirer's gaming programme normally lists permitted jurisdictions, and a mismatch is a hard decline rather than a negotiation point.
Deposits and payouts are separate capabilities. Confirm how withdrawals are executed, original card credits, bank payouts or wallet, before committing to a stack, because a provider that deposits well can still be unusable for payouts in your markets.
Rolling reserves and delayed settlement are common in gaming. What matters commercially is the percentage, the hold period and when it releases, so compare those terms rather than headline rates alone.
Gambling is processed under MCC 7995. Visa treats it as a Tier 1 category in its Visa Integrity Risk Program, Mastercard requires acquirers to register gambling merchants before processing, and both schemes monitor disputes: Visa flags a merchant at a 1.5% fraud and dispute ratio in most regions, Mastercard from 1.5% with at least 100 chargebacks in a month.
Traffic concentration is the biggest operational risk in gaming. Most established operators run at least two acquiring routes so a single account review cannot stop deposits.
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How Curaçao-licensed casinos and sportsbooks get card acquiring under the new LOK regime: what acquirers check, the AML and crypto rules, and how to prepare.
How UKGC rules shape gambling deposits and withdrawals: the credit card ban, payment service rules, affordability checks, AML and what acquirers ask for.
How Isle of Man GSC rules shape gambling payments: approved payment methods, player funds protection, the €3,000 AML threshold, crypto and acquirer checks.
What Gibraltar's Gambling Act 2025 means for operator payments: payout timing, no credit, AML due diligence on every depositor, and what acquirers check.
How Kahnawake-licensed casinos and sportsbooks get card acquiring: what the KGC licence covers, the Canadian market rules acquirers check and how to prepare.
What an Anjouan gaming licence means for card acquiring in 2026: the dispute over its legal standing, how acquirers read it and what strengthens your case.
Card acquiring for Ontario iGaming operators: AGCO registration, iGaming Ontario, the rules for deposits and withdrawals, and what acquirers check.
Card acquiring for operators licensed under Germany's GlüStV 2021: the GGL whitelist, payment blocking, the €1,000 deposit limit and what acquirers check.
Payment processing for betting operators authorised in Brazil: the SPA/MF licence, Ordinance 615 payment rules, banned methods and what acquirers check.
An acquiring bank or acquiring institution holds the scheme licence and carries the risk on your deposits. It decides whether gambling MCC 7995 is permitted, which regulated markets it may process for, and what reserve and settlement terms apply. Nothing else in the stack can override that decision.
A payment service provider handles the checkout or cashier integration, tokenisation, 3-D Secure, retries and reporting, and passes transactions to an acquirer. Some PSPs process on their own licence; others are technical providers in front of a separate acquirer, which is why a PSP saying yes does not always mean the underwriting is finished.
In most gaming markets, card share is lower than in general e-commerce. Bank transfer rails, wallets, vouchers and local instant-payment schemes are typically added per market, either directly or through an aggregator, and each one has its own onboarding and settlement terms.
Withdrawals are a separate capability from deposits and often a separate contract: original credit transactions back to a card, bank payouts, or wallet payouts. Confirm which markets and currencies a payout route covers before you rely on it, because a working deposit route does not imply a working withdrawal route.
Because most operators run more than one acquiring route, deposits are usually routed by market, method, currency or risk rule. This can be built in-house or handled by an orchestration layer. Either way, the aim is that one account review, outage or volume cap cannot stop deposits entirely.
Gaming underwriting assumes player-level checks: identity and age verification, source-of-funds handling for larger deposits, deposit limits and responsible-gambling controls, plus fraud screening. These are often separate systems from the PSP, and providers commonly ask what you already have in place.
The Gambling Commission banned gambling with credit cards from 14 April 2020, for both online and land-based gambling. UK deposits therefore run on debit cards, bank transfers, open banking payments and e-wallets, and a cashier that still offers credit cards to UK players is a compliance problem, not just a conversion one.
Under Ordinance SPA/MF 615/2024, licensed betting operators may only accept deposits by Pix, TED, debit or prepaid card, or a transfer between accounts at the same institution, from an account registered to the player. Credit cards, cash, boletos, cheques, crypto and third-party payments are prohibited, which makes a reliable Pix route the core of any Brazilian setup.
Under the 2021 Interstate Treaty on Gambling, a player's deposits across all licensed online operators may in principle not exceed 1,000 euros a month, checked through a central limit file. Higher limits are possible only under conditions set by the regulator, so German payment flows have to work with the limit check rather than around it.
Bank-based iDEAL payments are the preferred way to fund online gambling accounts in the Netherlands and account for the large majority of casino deposits. A Dutch cashier without iDEAL loses most of its conversion, whatever the card approval rate.
Canadian players rely heavily on bank-based e-transfers and online banking payments, which can convert better than cards where issuers decline gambling transactions. For the regulated Ontario market, the licence is also what determines which providers will take the traffic.
A gaming integration normally goes live only after the acquirer has reviewed your licence, markets, volumes and dispute history. You can build against a sandbox earlier, but the review, not the engineering, decides when you go live.
Providers offer a hosted cashier or payment page, an embedded component, or a direct server-to-server API. Hosted options keep you out of most card-data handling; server-to-server gives you full control of the cashier but puts more PCI DSS scope and retry logic on you.
Repeat deposits rely on stored tokens, and withdrawals often need the original payment reference. Pass a stable player ID, KYC status and jurisdiction with each deposit, and map deposit methods to payout methods from the start.
Expect a test run covering 3-D Secure, declines, refunds, payouts and chargebacks, and a review of the live cashier. Limits are usually ramped up rather than opened in full on day one.
Provider suitability differs from business to business: two companies in the same industry can receive opposite answers because of licence, market mix, ticket size or dispute history. We do not state that a provider accepts an industry unless that provider has confirmed it, and no one can guarantee approval.
Provider fit in iGaming depends on more than the industry itself: licence, markets, volume and dispute history all change the answer. Answer four questions to start checking your own situation.
Industry, company country, customer markets and estimated monthly volume, that is all we need to begin.
It is any provider in the chain that lets an operator take deposits and send withdrawals: an acquiring bank or institution that holds the scheme licence and accepts gambling MCC 7995, a payment service provider or gateway that connects your cashier to that acquirer, and the local payment methods and payout rails used per market. Many operators use several at once.
In practice the terms overlap. The useful distinction is who carries the risk: an acquirer or processor with its own licence underwrites your business and settles funds to you, while a PSP or gateway may be a technical layer in front of that licence. Ask which entity underwrites the account and which settles the money, because that determines who can actually approve you.
The most common reasons are jurisdictional rather than technical: the licence you hold, or the markets your players are in, fall outside what the acquirer's gambling programme permits. Restricted markets, an unlicensed market, an MCC the processor does not support, or elevated chargeback and monitoring history are all typical hard declines rather than negotiable terms.
Regulated card acquiring for gambling is normally tied to a licence and to the markets that licence permits, so providers generally review the licence as part of underwriting. If your licence application is still in progress, expect the payment conversation to be preparatory until it is issued.
Timelines vary by provider and by how complete your documentation is, so we do not quote fixed durations. What reliably shortens it is having the licence, ownership and company documents, processing history, chargeback figures and market breakdown ready before the first review, because incomplete packs are the usual cause of delay.
Most established operators do. Running at least two acquiring routes means a single account review, outage or volume cap cannot stop deposits, and it lets you route by market and method. The trade-off is more integration and reconciliation work, which is easier if you plan for it before the first integration.
It is the work of connecting your casino or sportsbook cashier to a payment service provider: choosing a hosted cashier, embedded fields or a server-to-server API, passing player ID, KYC status and jurisdiction with each deposit, handling 3-D Secure, refunds and chargebacks, and mapping each deposit method to a withdrawal method. Most PSPs offer a sandbox, but you go live only after the acquirer behind the PSP has approved your business.
A gateway passes transactions from your cashier to one or more processors. An orchestration layer sits above several PSPs and acquirers and decides where each deposit goes, by market, method, currency or risk rule, and retries declined payments on another route. Operators use it so that one provider's review, outage or volume cap does not stop deposits.
It depends on the market. Cards remain common where they are allowed, but bank-based methods lead in many regulated markets: Pix in Brazil, iDEAL in the Netherlands and bank e-transfers in Canada, while the UK bans credit cards for gambling. A good iGaming payment solution adds the methods each market expects instead of relying on cards alone.
You add your licence, company, markets, volumes and payment methods once in an online application. We match your profile with a payment provider whose gambling programme fits your licence and markets, and your account is prepared with that provider so you can go live. Approval and final terms are always the provider's decision.
Trading platforms are underwritten on regulatory status and client geography. A regulated brokerage in a recognised jurisdiction has a materially different provider pool than an offshore entity taking retail clients worldwide.
Crypto acceptance depends on what the customer receives. On-ramps selling digital assets, custodial exchanges and crypto-adjacent SaaS are underwritten as three different risk profiles.
Adult businesses are processed under specific card-scheme programmes with mandatory content controls. Approval depends on documented compliance far more than on pricing negotiation.
Add your business essentials once. Your profile is compared against provider criteria, and nothing is sent until you submit your onboarding pack.
Check my payment optionsNothing is shared with a provider until you submit your onboarding pack. Approval is always the provider's decision.
