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Lee James Gwilliam
This guide will help you find the perfect payment solution for online casino play. We list them all, from Play+ to e-wallets to credit cards, explaining which ones you can use to deposit funds, withdraw your online gambling winnings, and the ones that enable you to grab the best bonuses, plus those to avoid.
The range of payment methods in the legal online casino sector is huge. US players can enjoy this extensive range while also remaining reassured that the options are safe and licensed.
It’s important to choose the payment method that is best going to suit you and that’s not always as straightforward as it may seem. Some US states will have different payment options, and some operators will as well. As an example, some of the best NJ online casinos will have a variety of payment methods ranging from credit cards to e-wallets, while other sites may only offer Visa or Mastercard. Of course, keep in mind online casinos in general are only legal in a handful of US states: Delaware, New Jersey, Pennsylvania, Connecticut, West Virginia and Michigan.
In this article, we’re not only going to be looking at which payment methods you can choose from, but also how they work and what to look out for in the T&Cs. If you're a fan of playing real cash slots and other online casino games then keep scrolling for all the info you will need on the various banking systems.
Here are some tips to starting out with online casino payments:
The payment methods reviewed by us on Casinos.com are safe for the most part, of course there are always outside risks the same as there are as a customer at a bank. Some of the best online casino payment methods are credit/debit cards and bank transfers. However, we are only recommending reputable sites to our readers and each of them values their players and takes the necessary steps to ensure that the payment methods they have on offer are safe. For example, if you play at legal PA online casinos, each of those casinos needed to go through a rigorous licensing process to ensure that they provide safe platforms for players to enjoy. The same is true for casinos in all the states where online gambling is regulated. For example, legal MI online casinos only partner with safe payment providers, because security breaches can risk their reputations and possibly their licenses.
When a new site hits the market, we do all the due diligence to ensure that the casinos and the payment options they offer comply with industry-standard safety and encryption protocols.
Most online casino sites will have several payment methods that you can choose from. These generally fall into the following categories: e-wallets, pre-paid cards, credit/debit cards, cryptocurrency, bank wire and several other sectors.
We can’t say which payment method is right for you as this is going to depend on what you have access to. Some might be limited based on things like location, deposit amounts and access to these methods, so you are going to need to decide for yourself which is best. What we will do is give you all the information you need on how these work and then what to expect from them.
While the payment method categories below are a fairly exhaustive list, it’s not to say that all branded casino sites will have each of these to choose from. In fact, that will not be the case. Even the top online slot sites and online casinos may not offer every payment option available. The best bet is to choose the payment option that suits you, and then use our site to find the best casino in your state that offers your payment method.
E-wallets and prepaid cards are not only some of the most popular payment methods to choose from, but they are also some of the most accessible. They’ve allowed players to create a digital space to store their funds, separate from any personal bank account they may have.
The biggest positive of prepaid cards such as Play Plus is the speed of transactions. Deposits are instant, and withdrawals can be back into the account within a matter of hours.
One thing that you will need to note with these is any fees attached. These won’t necessarily come from the slots site, but more commonly from the e-wallet or pre-paid card itself. Some do allow you to upgrade accounts to limit or even remove fees, which is worth looking into.
Using PayPal for online casino deposits and withdrawals has become extremely popular. This e-wallet is not just one of the most common and most popular payment methods in the world, but it’s also one of the best online casino site payment methods. You can find even more detail on the best PayPal casinos here on Casinos.com.
It’s worth noting that PayPal might charge you a fee to withdraw money back to your bank account and possibly also into your PayPal account. This is often a worthy trade-off, however, given that payments are processed incredibly quickly.
Skrill is an e-wallet for online gamblers and operates very similarly to Neteller, which is used for gambling in other countries. Players won't find a list of the best Neteller casinos for the US because it simply doesn't operate there for gaming payments. That's why Skrill, which is also owned by the same company, Paysafe Group, is your best bet. Creating a Skrill account is free, and once you have linked it to your bank account, you can simply log in and move funds from your digital wallet into your Skrill online casino account. Keep in mind that Skrill is not widely used in the US, so don’t be surprised if the operator of your choice does not accept this payment option.
Paysafecard is a prepaid card that is very popular. Paysafecard casinos operate in a way where transactions leave no digital footprint during the transfer of money to the online casino site. Therefore, it almost eliminates any threat of fraud.
It works by purchasing these cards on a participating outlet, such as CVS Pharmacy, and then loading the card with cash at that outlet. You then scratch off your unique number and use this with your card to deposit.
Credit and debit cards are the most common way for US online casino players to get money in and out of their accounts. It’s a payment method that most US residents have, so it makes sense that a lot of players would be looking to use these.
One of the main reasons why people use a credit or debit card is the security that comes with it. If something went wrong, then most banks would be on hand to either settle a dispute or protect an account from fraudulent activity. Credit cards in particular are covered by insurance, so getting refunds from this is incredibly easy.
They are also the method that comes with the lowest fees, for the most part, at least. The majority of casino sites will not charge you anything for depositing or withdrawing using either of these methods, which is good.
The trade-off is that with credit card slots and other credit card casinos, withdrawals can take their sweet time to get back to your bank. This can be anywhere from 1 to 5 working days in some cases, which is longer than e-wallets, for example.
A brand that needs little introduction, Visa is probably the most popular payment method for casino players in the US. Most of us have a Visa of some kind and use it daily. Around 99% of US online casino sites will offer Visa as a dedicated payment method.
With these cards, you’re likely not going to have any fees to pay, with deposits being instantly processed and withdrawals usually taking a couple of days, but this can vary. If you’re particularly looking for US online casinos with fast payout, we’ve noticed that a lot of Visa casinos are processing these very quickly with funds being paid back into accounts within 24 hours.
Visa Electron is a member of the Visa family and works in a similar way to a normal Visa card. The main difference is that these cards will only allow you to bank with funds in your account. They do not have any overdraft process and if there isn’t enough cash in the account to conduct the payment, then it will not process.
These payment methods are generally accepted in most online casino sites but are a little more limited than a standard Visa card.
Another hugely popular payment method is Mastercard, which is one of the most recognizable brands in the world. Credit cards and debit cards supplied by Mastercard are accepted by the majority of online casino sites in the US.
Maestro is a part of Mastercard and takes up the majority of their debit card payment methods, but it is less popular as it’s not available throughout the entire US, only in select locations. It works in the same way that a Visa debit card would, allowing you to load funds into your account quickly and without fuss. It’s definitely not nearly as accessible as Visa, so you may need to work a little harder to find a casino site that accepts these.
Using a bank transfer as a method to deposit to online casino sites has become increasingly popular. The safety and security that comes with using your bank account as a direct means of depositing is enticing to players. Although there is generally a longer wait for your funds to appear, you know your money is in good hands as it's your bank who directly deposits the funds for you.
Depositing to an online casino site via a bank wire is a simple process that involves moving funds directly from your bank account to the casino's bank account via your account details. Players often prefer this method due to the added security offered by banks. Usually, you will need to leave a reference on the transfer so the online casino site knows the money is for your online account, so make sure you enter the correct details.
If none of the above sound appealing to you, fear not. There are even more online casino payment methods, just remember that every operator accepts different ones, so all of these may or may not be available at your chosen brand.
eCheck allows players to create a check and process this online. Instead of getting a checkbook and sending them off, they are processed electronically. Due to the manual approval needed for these, they are generally accompanied by a fee. They can also take up to 21 days to be processed, plus any processing time for it to be credited to your bank.
There are several options to pay with cash and then fund your online account that way. You can use shops that accept products like PayNearMe to do this. All you need to do is go to the store with the reference number for the casino site account you want to pay into, use your account ID as your payment reference number, and then pay the cash to the cashier. They will then make the transaction to the casino and your account will be loaded.
Western Union allows you to deposit in several ways, including in-person, online, and over the phone. With each, you will have a unique account ID that you can either load up using your card or you can make a one-off payment to the casino via your card and Western Union account.
With this, there is no need to have any personal information or documents online and instead, it’s all linked up electronically. You may be required to pay additional fees for this service and not all online casino sites will allow you to withdraw back to this account.
The Cryptocurrency industry has been in a bit of flux in 2022 and 2023, so you never really know which operators allow Crypto as a payment type until you log in to your account and look at the options. Both US online gambling and Crypto are so much more mainstream than they were even a few years ago, and it’s no surprise they would get intertwined. One of the issues is that currencies can have fast fluctuations, meaning that in just a matter of days, Bitcoin, Litecoin and Ethereum can be up or down massively.
While Pay By Phone options are a little more limited than most of the other payment methods that we’ve listed, there are several sites that offer this to US casino players. The process is very simple. If the casino operator of your choice has a Pay By Phone method, click that and confirm the amount you want to deposit and then confirm your mobile.
Cash will either be taken from your phone bill if you pay monthly or your phone balance if you are on pay-as-you-go. Most phone companies will limit how much you can process in a single payment, so it’s worth finding this out before making a deposit. Some may allow you to increase this limit as well, which might be handy.
Paying by phone is a great way to deposit while on the go. It could be handy for times when you don’t have access to bank cards or accounts, allowing you to take advantage of a pre-paid service in the form of your mobile bill.
A key point that you will need to note is that you can only deposit by phone and not withdraw. To get money out of your account you will need to set up an alternative payment method such as a bank card or an e-wallet.
Depositing is a process that, for most payment methods, will be an instant credit to your account. Once you’ve chosen your method of choice, you then simply need to enter your details and away you go.
One key thing that you need to note with payment methods is that not all are going to be able to claim things like welcome offers and big casino bonuses. E-wallets such as Neteller and Skrill are almost always prohibited from doing so as it’s easy to create multiple accounts and for them not to be tracked.
Withdrawals are a little less straightforward and they can take quite a bit longer to process than a deposit. One of the first things that you will need for a withdrawal is a verified account. You may also need this to deposit depending on which operator site you are using.
Verification is a process that requires you to confirm your ID and your address. You can do so by sending in documents like passports, bank statements, driver's licenses, and other official documents.
E-wallets are almost always the quickest way to get money out of the casino. Usually, these are processed within 24 hours and some are even instant. The likes of Neteller, Skrill, and PayPal are the most popular e-wallets.
Visa and Mastercard are about as safe a payment process as you can get, but they do take a little time for withdrawals. For these, you’re looking at 1 to 5 working days.
Large payments will need to use a bank wire to move money about. This can take longer still and up to 21 days, plus fees. However, it’s the only way that most sites will process large payments due to limits on bank cards and accounts.
Finally, not all payment methods will allow you to withdraw back. Pay by phone is a common one that allows you to easily deposit, but to get money out, you will need to add another account.
One of the things we pride ourselves on is being able to bring you the most important US gambling information and reviews of the most reputable casinos in the world. A major part of remaining the “best” is outlining safe and secure payment processes for players.
We test these sites to the max and then include this information in our reviews. Everything from deposit times, charges, withdrawal times, limits, and verification processes are all covered. Only when all these boxes have been ticked are we able to give them the thumbs up or the thumbs down.
As a general rule, you’re always going to be safest using credit or debit cards. The reason behind this is that they’re connected directly to a bank, so you'll always have someone to fall back to. PayPal is generally very safe as well, but like any financial institution, there are impersonators and fraudsters that target new and existing customers with phishing and other attempts, so just be aware.
Also keep in mind that licensing authorities such as eCOGRA, QUINEL, iTech Labs, Gaming Laboratories International and the NJ Division of Gaming Enforcement are just a handful of testing agencies that make sure the inner processes of legal online casinos are up to par.
Our process and drive to be the best does not change when it comes to rating payment options for online casino games. Like other reviews, we have a dedicated team in place to work through them in detail.
Once we’ve established which payment methods are accepted for site deposits, we then move on to the testing phase. We look at minimums, such as how much we can deposit and withdraw, and also processing times and other criteria.
It’s worth noting that in this article we gave you a general idea of how each payment works. But, for our operator and brand reviews, we will give a more detailed look at how that payment method works within that casino.
Tim is our Commercial Lead overseeing Sports in the US. He has specialized in the software industry over the last 10 years, focusing on iGaming over the last 4. He has experience working in Sportsbooks and Casinos.Read Full Bio
Visa or Mastercard are the safest online casino payment methods. They are linked to your bank and come with levels of security and insurance should anything go wrong. Every payment method will have strict security measures in place, but Visa and Mastercard have many protocols in place to ensure your money is safe.
Fees depend on the payment option you choose since casino sites rarely charge fees, especially when depositing. Some withdrawal methods, like bank wire, have to be manually processed. This is one of the reasons why reading the T&Cs is so important.
Bank wire is almost always the best way to move large sums of money. It takes a little longer than most methods, but it’s the safest and often comes with no limits involved. It's the preferred method for high rollers due to the higher limits, but it can be used by all types of casino players.
Once you have created your account, simply log in and then head to your banking section. It will tell you each payment method that you can deposit and withdraw to, usually at the bottom of the site's homepage in the Terms & Conditions.
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