Online Casino Payment Methods in the US

A good casino gaming experience is not only about games and bonuses. You also need to consider the online casino payment methods available, each coming with its pros and cons.

On this page, we’ll show you which payment methods we recommend and which ones you should avoid. Below you can find a complete list of payment providers that are available at US online casinos.

Best Payment Methods Overview

When depositing or withdrawing from your online casino account, there are several different alternatives available

Note that all options are secure, but some are not as fast and easy to use. It usually comes down to choosing the one that fits your personal preferences.

To help you compare and make an informed decision, we have reviewed the most common payment methods at legal US casinos below:

All above-mentioned methods are legal and are UIGEA regulation-compliant, which limits their availability to online casino sites that are legal and regulated in the US.

Also, due to state regulation, the availability of options varies by state. Currently, New Jersey online gambling sites offer various convenient casino payment methods, while recently regulated US markets provide fewer options.

Keep in mind that some gambling payment options are deposit-only. Below we list all online casino deposit methods.

"Choosing an online casino payment method that can meet your personal gaming needs is just as essential as deciding where to play. Always consider safe and reliable options that have stood that the test of time and are easy to use." Compare payment methods

Criteria For Choosing a Payment Method

There’s a high range of payment options available at legit US casinos. To help you narrow down the choice, here are a few critical factors to consider beforehand:

  • Functionality

    In terms of functionality, we take into account the subscription procedure and maintenance. We also check for 24/7 customer support coverage; in case you might stumble upon some difficulties.

  • Speed

    Another important aspect that we consider is the transaction processing speed of each payment method. Our expert team recommends opting out for a payment method that offers instant deposits and fast withdrawals for the best online casino experience.

  • Limits

    Every payment method has its own minimum and maximum deposit and withdrawal amount. Besides, we always evaluate the casinos’ internal limits regarding restrictiveness and availability to specific player types.

  • Fees

    Payment methods usually come with some charges, such as maintenance fees, transaction fees, or both. The best payment methods are free of any fees, but we state them clearly if they apply. In general, US casinos don’t charge fees for processing transactions. Still, your payment solution provider is likely to charge a small fee, depending on their pricing model and level of risk of the transaction.

  • Convenience

    Not all payment options that are available at online casinos are easy to use. We aim to provide you with a hassle-free deposit and withdrawal experience with each option. We know how important it is to manage your finances on the go, and this is why we check if all providers offer a mobile-friendly interface and test dedicated mobile apps, if available.

  • Security

    The payment methods presented on the website have been evaluated regarding security features (encryption, fraud monitoring, multi-factor authentication). Official US financial regulators vet all payment methods that are available at legal casinos.

Our Top 3 US Casino Payment Methods

With the insight into what you should consider when looking for the best online casino payment methods, we go that extra mile and take a closer look at the best options on the market:

#1 PayPal – Convenience and High Security

PayPal
paypal logo
Deposit limits$10-$4,000
Withdrawal limits$10-$40,000
Avg deposit timeInstant
Avg withdrawal time2-3 days
State availabilityNJ, PA, MI, WV
Payment success rateHigh
Security featuresAnti-fraud regulation, encryption technology, buyer protection
ReviewPayPal review

PayPal is the world’s most popular electronic wallet (e-wallet), eliminating the need to share your banking details. It has some of the fastest payment processing times at online casinos,

Moreover, it’s cost-efficient and has multiple security features, like anti-fraud regulations and customer protection measures, making it one of the most reliable options available.

#2 VIP Preferred – Easy Access To Funds

VIP Preferred
vip preferred logo
Deposit limits$10-varies*
Withdrawal limits$10-varies*
Avg deposit timeInstant
Avg withdrawal time4-5 days
State availabilityNJ, PA, MI, WV
Payment success rateHigh
Security featuresHigh-level encryption technology
ReviewVIP Preferred review

*Based on your bank account standing and previous deposit history.

VIP Preferred™ is an ACH and e-check payment provider, allowing you to swiftly deposit and withdraw at US casino sites through your checking or savings account.

It functions in the same way as paper checks, but the transaction is secured using 128-bit encryption. Also, you don’t have to pay fees, as the service is free to use, and you link up to 4 different bank accounts.

#3 Play+ – Handy Prepaid Card

Play+
play plus logo
Deposit limits$10-$70,000*
Withdrawal limits$10-$100,000*
Avg deposit timeInstant
Avg withdrawal time2-3 days
State availabilityNJ, PA, MI, WV
Payment success rateHigh
Security featuresPIN-protection, FDIC-insured, 24/7 monitoring
ReviewPlay+ review

*VIP tier customers only.

Play+, also known as PlayPlus, is a prepaid card that works on the same principle as gift cards. It lets you pay for gambling online quickly and easily using a physical prepaid card that you can fund through a bank card or an e-check.

Some banks and card issuers still have strict policies regarding online gambling, and Play+ is a great alternative to credit/debit cards.

Which Casino Payment Methods You Should Avoid?

The following payment methods have not met our strict set of criteria. Take a look at our up-to-date list of payment methods you should avoid:

Western Union and Bitcoin are not approved by financial regulators in the US. They are also featured at offshore casino sites that don’t hold a US license but accept real money wagers from American players, which is a highly illegal practice.

On the other hand, Cash at Cage is a legal payment method and it’s UIGEA compliant. However it’s not as convenient and requires a significant time commitment in order to make payments, and it has limited availability at US online casinos.

How To Make Your First Deposit?

If this is your first time making an online casino deposit, please follow the steps below to add money to your account:

1
cashier deposit
Log in and head to the cashier

After logging in to your casino account, go to the ‘Cashier’ and select the’ Deposit’ option.

2
select deposit option
Select your deposit method

Select an online casino deposit option that works best for you, and note the provided min/max limits.

3
deposit amount
Choose your deposit amount

You can enter your own amount or choose from pre-entered deposit amounts.

4
enter bonus code
Enter any promo/bonus codes

If a bonus code is required, you’ll need to enter it at this stage.

5
follow instructions
Follow the on-screen instructions

Follow the provided instructions and enter any required payment method details.

6
complete deposit
Complete your casino deposit

After completing your deposit, you’ll receive a confirmation, and the funds will be available immediately.

Note, minimum, and maximum deposit limits vary between casino sites. The minimum deposit limit often starts at $10, while players themselves can adjust the upper limits.

If you have made a successful online casino deposit, your funds should appear immediately on your account, but it might take up to 15 minutes on some occasions.

Legal US online casinos don’t charge fees on deposits. However, some service charges may apply depending on your bank, card, or payment solution provider.

Keep in mind that you must complete the verification process before depositing, you will be required to submit an official government ID and proof of a permanent address.

Online casino deposit methods

Please note, the following options are often available as deposit-only:

  • All credit/debit cards
  • PayNearMe
  • Apple Pay
  • Gift cards

How To Withdraw Your Winnings?

To cash out your winnings from your casino account, please follow the steps below:

How to withdraw money from online casinos

  1. Log in to your account
  2. Go to the ‘Cashier’ and select ‘Withdraw’
  3. Select your desired withdrawal method
  4. Enter the amount you wish to withdraw
  5. Follow the on-screen instructions
  6. Complete your withdrawal request
  7. Wait patiently until your withdrawal is processed

Just as deposits, withdrawals are also subject to limits. The minimum values start at $10, while the upper limits can differ significantly between operators.

Besides the casino’s internal processing times, which can take 3-5 business days on average, the online casino withdrawal time varies between payment methods.

There are no fees on withdrawals. However, your payment provider may charge you a small fee to receive a payment.

Online casinos send withdrawals to your initial deposit method. Ideally, it would be best if you considered selecting an online casino deposit method that accepts withdrawals too.

Until the withdrawal request is approved, you can reverse your withdrawal request and return your funds to your account.

Keep in mind that KYC (Know Your Customer) check is mandatory on withdrawals. This is an integral part of the AML (Anti-Money Laundering) law of the operator to prevent fraud, financial crimes, and money laundering.

US online casinos are also required to conduct KYC checks with all casino players for transactions of over $5,000, as well as reporting currency transactions of over $10,000 and credit extensions over $10,000.

Casino Payment Methods Comparison

Here is a detailed overview of payment methods commonly featured at casino sites in the US:

  visa logo mastercard logo paypal logo
“skrill “play+“vip“paynearmebank transfer logo
cash at cage logo
Min Deposit$10$10$10$10$10$10$10$10Any amount
Max DepositN/AN/AN/AN/AN/AN/AN/AN/AAny amount
Deposit TimeInstantInstantInstantInstantInstantInstantInstantInstantInstant
Min WithdrawalN/AN/A$10$10$10$10-$500N/A$10Any amount
Max WithdrawalN/AN/AN/A$10,000N/AN/AN/AN/AAny amount
Withdrawal TimeN/AN/A2-3 days2-3 days2-3 days3-5 daysN/A3-5 Days24 hours – 3 days
Fees*Service feesService feesService feesService feesService feesNo feesService feesService fees No fees
SecuritySecureSecureVery secureVery secureVery secureVery secureSecureSecureSecure
Approval RateLowLowHighHighHighHighHighHighHigh

*Online casinos do not charge transaction fees. Nonetheless, in case they do, these charges are relatively low at around 1-2%. In general, online casino withdrawal methods are more likely to be subject to transaction fees.

Conclusion

US casino sites offer a good selection of payment methods, including prepaid cards, debit and credit cards, e-wallets, and bank transfers.

Each option has its advantages and disadvantages, as some are faster than others and some are more user-friendly.

However, there’s no need to worry about security, as financial regulators vet all casino payment methods legal online gaming operators offer.

Our favorites are PayPal, Play+ VIP Preferred, but we don’t see any issue with credit/debit cards online casino deposit methods.

FAQs

Depositing money at casino sites is a very simple process. Just head over to the cashier and select your online casino deposit method. Enter your desired deposit amount and follow the onscreen instructions to complete your deposit. Check our step-by-step deposit instructions for more details.

In most cases, the online casino deposit time is instant, but it can take up a maximum of up to 10 minutes. In some rare cases, your online casino deposit could take up to 24 hours to process. After your deposit request is approved, you will receive an email confirmation.

Bank of America, Capital One, and Chase are some of the key credit card issuers known for blocking gambling transactions. If your credit card gets declined, it’s best to try another credit card or select one of the payment methods with high approval rates.

The withdrawal procedure varies between online casinos. However, once you locate the cashier and select your online casino withdrawal method, you’ll be one step away from withdrawing your online casino winnings. You can check our guide on withdrawing at casino sites for more details.

Besides choosing a payment method that suits your casino gaming needs, several other important factors are to consider. This means that all casino payment methods need to be approved by a financial authority and to offer multiple security features besides being fast and easy to use.

US casino sites let players choose from a wide range of options, including common credit and debit cards, bank transactions, e-wallets, e-checks, and prepaid cards. They also allow in-person deposits and withdrawals. Keep in mind that the availability of options varies per state.

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