Credit cards have been an established online casino payment method since online casinos first began. The security standards are high, and many people have a credit card linked to their bank account because it is a convenient payment method.
As credit card payments are the world’s primary payment method, this is a popular online casino deposit and withdrawal method. Casino operators do not charge deposit fees and offer free withdrawals.
Furthermore, credit card payments come with unrestricted access to online casino bonuses. In contrast, quite a few online casinos restrict certain payment methods; for example, Neteller and Skrill deposits are often excluded from promotional offers.
Despite the popularity and convenience of using credit cards as a means to top up your casino bankroll, we don’t recommend using this payment method. The primary reason for this is that if you are getting into debt, then you should not be gambling online or offline.
Of course, if you are only using your credit card as a gateway to depositing to online casinos and paying off the transaction via your bank account, then credit cards can be a viable option. The main point we want to make is that credit cards make no sense if you are getting into debt and paying monthly interest.
Countries You Can Use Credit Cards for Online Casino Deposits
In the United Kingdom under the Gambling Act 2005, casinos cannot accept credit card transactions. This includes cashless machines in land-based venues and online casinos, while players from other countries we cover here on Casinoplusbonus can use credit cards for casino deposits.
| Country | Credit Cards |
|---|---|
| Casinos in the UK | No |
| Casinos in IE | Curacao only |
| Casinos in NZ | Yes |
| Casinos in SA | Yes |
| Casinos in IN | Yes |
| Casinos in CA | Yes |
Making an Online Casino Deposit Using Your Credit Card
An online casino credit card card deposit is exactly the same as making a payment with an eCommerce provider. If you have used your card for an online purchase in the past, then you likely already know the process as it is no different to paying for good online.
How To Make Your First Deposit Using a Credit Card
If you are using your credit card for the first time at an online casino, then the process is as follows.
- Select the card type, i.e., Visa or MasterCard.
- Enter the amount you wish to deposit.
- Enter your full name, which should be same as the name on the card.
- Type in your 16-digital card number and expiry date.
- Type in the 3-digit CVC number on the back of the card.
If this information does not match, the transaction will fail!
Crediting Your Online Casino Account
Once you enter the amount of your transaction and your credit card details, there are couple more steps before the money arrives in your casino bankroll.
Verification
The payment gateway will direct you to your 2FA for verification. This could be SMS, a password, an online PIN, a fingerprint on your smartphone, or face verification. Some providers will also ask you to select a recent transaction you recognise by giving 4 options with only 1 of them being a transaction made on your card.
Instant Casino Balance
If all information is complete and the card data is verified, the transaction will clear, and your casino will immediately add the transaction amount to your casino balance.
Future Deposits (1-Click Transactions)
After your first deposit, your card details are saved with the casino and so your future deposits will be much quicker. All you will need to do is select your card, enter the deposit amount, enter your CVC number, confirm the transaction, and pass the 2FA checks.
Note: You cannot use someone else’s card on your casino account. If the name on the card is not the same as the name on the casino account, then the transaction will not clear.
Making an Online Casino Withdrawal Using Your Credit Card
When withdrawing using credit cards, the process is far simpler than making the original deposit. Your card details are already stored, so all you need to do is select the card as your withdrawal method, enter the amount you want to withdraw, and hit the process or confirm button.
Making Your First Withdrawal
You should be aware that , the casino will ask for further identification when you make your first withdrawal.
This is a KYC check and requires you to:
- Provide ID.
- Pictures of the front and back of the card.
ID Verification
When you process your first withdrawal from an online casino, 99% will ask for ID verification. You will need to provide a government photo ID, such as an ID card or driver’s licence, and verify your address using a utility bill or bank statement in your name.
Without them, the casino will refuse to process your withdrawal, however, the good news is you only have to do this once. Once the casino verifies you, all future transactions will move directly into ‘pending status.’
Pending Time/Status
Don’t be alarmed if you don’t see your withdrawal instantly show up on your credit because the casino does not instantly process and send the money. As part of anti-fraud checks, especially for UKGC and MGA casinos, there is a pending time.
Pending time means your withdrawal is in a queue until one of the casino’s AML and anti-fraud team members checks your cash-out request. This will take 0-12 hours at a top-rated online casino, but some can take up to 3 days, which is just about the acceptable limit.
Processing Time
Depending on your casino’s pending time, the transaction will change to ‘Processed’ once the casino’s AML and fraud protection team approve your cash-out request.
Funds Arrive on Your Credit Card
Funds can take 3 to 7 business days to arrive in your bank account. Ultimately, the casino has no control over the time it takes for your financial provider to add funds to your credit cards, as this part of the withdrawal process is down to the credit card provider’s system.
| Summary of Online Casino Credit Card Withdrawals |
|---|
| Casino credit card withdrawals are possible |
| Most credit card withdrawals are free, but some casinos may charge 2-3% |
| Not all countries will allow Mastercard credit card withdrawals |
| You cannot withdraw to prepaid cards in most instances |
| Your first withdrawal requires ID verification (This is a one-time process) |
| Withdrawals automatically move into a pending time |
| After the pending time is approved, it can take 3 to 7 days for funds to arrive |
Different Rules for Countries: Always check to see if the casino allows withdrawals using your card type. For example, Mastercard in India, South Africa, and Australia generally do not work.
Encrypted Transactions and Fraud Protection!
In most countries, it is mandatory to use ‘3D Secure Payment Verification’ procedures for credit card transactions processed online.
This is a protocol used as an additional layer of security to authenticate the cardholder is requesting the transaction. ‘3D’ stands for ‘3 Domains’ which are the 3 systems that take part in online transactions – merchant/casino domain, the issuer/bank domain, and the interoperability/authorising domain.
SMS/Password 2FA
Two-factor authentication (2FA) ensures your payments are secured with separate security features to your casino account log on.
For example, every time you use your card, the payment gateway initiates an SMS confirmation or a password check depending on which system your card issuer uses. It usually runs via a TAN system, where you will be sent a type of verification number via SMS and/or a password to confirm you requested an online payment.
Biometric 2FA
Some modern payment apps also use biometric authentication via face recognition and/or fingerprints. With this system in place, it is almost impossible for fraudsters to use your card.
CVC Security
Before you get to the 2FA stage, you will need to enter a CVC/CVV code.
Even if you save your bank details on the casino, in most cases you will need to renter the 3-digit portion of your CVC/CVV code on your credit for every transaction. Probably the most important protection that you enjoy as an online casino credit card user is that only you know the relevant payment information, as it is on your card.
| Credit Card Security Feature |
|---|
| Modern card transactions use ‘3D Secure’ payment processing |
| If you suspect fraud, you can reverse the payment |
| All transaction data is encrypted via secure payment gateways |
| Maximum internet protection – no payment details are available online |
| Relevant payment information is only given on your bank card |
| Card transactions use SMS, Password, or Biometric 2FA |
| CVC Security is another layer of security |
Charge Back Option as a Safety Measure
Chargeback on credit cards is a useful safety feature if used legally. For up to 60 days, you have the option to contact your card issuer and chargeback a casino deposit if you can prove you were defrauded.
It could be that a casino unfairly withholds money you won, which you can discuss with the bank whether a chargeback is fair.
However, suppose you lost your money gambling and simply feel the system was rigged. This is generally not a good enough reason.
Theoretically, you could make your claim based on unauthorised gambling by claiming you assumed that because the casino allowed you to deposit, you thought it was legal. However, this will only work once because if you try to make the same claim, your card issuer will suspect you are cheating the casino.
This trick does not work if you are in a country like the UK, where online casinos are legally available. If you lose your money at a casino operating outside this legal framework.
This is exactly why Curacao casinos do not accept UK players. Although immoral, so many UK players caught wind that they could successfully charge back from deposits made to Curacao-licensed casinos accepting their patronage. This abuse of the system, of course, led to many Curacao casinos losing a large amount of money!
| Charging Back Online Casino Credit Card Transactions |
|---|
| Charging back online casino credit card transactions is possible |
| You have up to 60 days to initiate a chargeback |
| The legal status of a casino chargeback must be checked |
| If a casino does not have a license, there is a legitimate case |
| If the casino has a license, a chargeback is not legal |
| Credit card companies require a valid reason for chargebacks |
| Chargeback is not available in all countries |
Chargeback Backfiring: You have to be careful with charging back to online casinos in your country because it could still mean you owe the casino company money. That could result in debt collectors coming to your home which has happened in Ireland and UK in the past!
Pros and Cons of Online Casino Credit Card Transactions
Credit cards for online casino deposits generally do not have many disadvantages. Nevertheless, there are few drawbacks to withdrawals. As with all online casino financial means, there are always pros and cons to consider.
| Advantages |
|---|
|
| Disadvantages |
|---|
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Prepaid Credit Cards: To avoid getting into debt and to get around situations where your bank blocks casino transactions, prepaid credit cards are often a good option. Check to see what’s available in your country by way of prepaid credit card brands.
Alternative Payment & Withdrawal Options
Despite the fact that credit card deposits and withdrawals are widely accepted at online casinos, in some circumstances, you may discover that you cannot make card payments in your country. As a result, we have listed some alternatives.
Fortunately, there is an array of alternative options available, and some we have listed some of these below:
- eWallets: PayPal, Neteller, Skrill, EcoPayz, and MuchBetter are all great alternatives to using a credit card in an online casino. Plus, these payment methods allow you to top up your balance using your debit/credit card or via a bank transfer.
- Cryptocurrency: The casino will not charge any fees, and network fees to buy, transfer, and/or sell crypto are so low, you will hardly notice them. This option is super safe, secure, and offers anonymous payments with very low fees.
- Trustly, Klarna or Giropay: You do not need an account to use these payment services. The money transfer always runs through your bank account. It is effectively a bank transfer without giving your bank details to the casino.
- Paysafecard or Neosurf: These payment options offer anonymous casino deposits as you can purchase a card with cash or via an online and use the digital PIN code to make a deposit. In some countries, you can buy these prepaid cards in high street stores while there these options generally also offer an online option.
| Alternative Casino Payment Methods |
|---|
| E-wallet providers like PayPal, Neteller & Skrill are popular |
| Cryptos are popular because of low fees & fast transaction times |
| Prepaid cards with cash top-ups such as Paysafecard or Neosurf |
| For smartphone casino players, apps such as MuchBetter or Apple Pay are popular |
| Trustly, Klarna or Giropay allow you to pay from your bank account |
| Bank account withdrawals are available if your deposit option is not a withdrawal option |
Bank Account Withdrawals: Online casinos will force you to use your deposit to withdraw your winnings if the deposit method is a viable withdrawal option. In cases where your deposit method is not available for withdrawals, you will need to switch to an alternative method.
FAQ
How do casino credit card deposits and withdrawals work?
Paying with a credit card in online casinos is an easy step-by-step process that is no different from using your card for online payments at an online store. You enter the card number and your name, i.e., the owner of the card and the date printed on the card, which shows how long the credit card is valid.
Can I charge back with my credit card at online casinos?
In principle, it is possible to request a refund via your credit card company for payments made to an online casino, and usually, you have up to 60 days to do so. The chargeback facility aims to help you in the event of fraud!
Which credit cards are approved by online casinos?
Pretty much all online casinos accept Visa and Mastercard. Other brands are not always accepted, so you will need to check our casino reviews or the casino’s payment section.
How can I play at an online casino without a credit card?
Many alternatives exist, such as Neteller, EcoPayz, MuchBetter, and Skrill eWallets. You also have the option to use cryptocurrency payments.
Are there any credit card fees in online casinos?
The casino should not charge you any fees if you pay by credit card. However, some casinos charge a processing fee of 2% to 3% for withdrawals under a certain amount.
Where can I pay with American Express in the online casino?
American Express credit cards are rarely available as payment options, but a few UKGC and MGA casinos accept them. Jackpot City is a well-known Amex online casino with American Express in its payment portfolio.
Can I pay with a credit card on my mobile phone?
Paying with a credit card in a mobile online casino works the same way as using a desktop or laptop. You can also use other payment methods via your mobile devices such as Apple Pay in some countries.
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