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.
Online Casino Payment Methods
To help you compare and make an informed decision, we have reviewed the most common payment methods at legal US casinos below:
All listed payment methods are legal and are UIGEA regulation-compliant, which limits their availability to online casino sites that are legal and regulated in the US.
Note that all come with high security, but some are not as fast and easy to use. It usually comes down to choosing the one that fits your personal preferences.
Also, due to state regulation, the availability of options varies by state. Currently, the best online NJ casino 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.
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:
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FunctionalityIn 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.
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SpeedAnother 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.
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LimitsEvery 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.
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FeesPayment 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.
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ConvenienceNot 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.
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SecurityThe 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
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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
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*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
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*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
Bitcoin
Cash at Cage
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:
After logging in to your casino account, go to the ‘Cashier’ and select the’ Deposit’ option.
Select an online casino deposit option that works best for you, and note the provided min/max limits.
You can enter your own amount or choose from pre-entered deposit amounts.
If a bonus code is required, you’ll need to enter it at this stage.
Follow the provided instructions and enter any required payment method details.
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.
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:
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 2-3 business days on average, the online casino withdrawal time varies between payment methods.
Note that some online casinos with fastest payouts in the US can process your withdrawal request faster than other operators available on the market.
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 commonly featured at casino sites in the US:
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| Min Deposit | $10 | $10 | $10 | $10 | $10 | $10 | $10 | $10 | Any amount |
| Max Deposit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Any amount |
| Deposit Time | Instant | Instant | Instant | Instant | Instant | Instant | Instant | Instant | Instant |
| Min Withdrawal | N/A | N/A | $10 | $10 | $10 | $10-$500 | N/A | $10 | Any amount |
| Max Withdrawal | N/A | N/A | N/A | $10,000 | N/A | N/A | N/A | N/A | Any amount |
| Withdrawal Time | N/A | N/A | 2-3 days | 2-3 days | 2-3 days | 3-5 days | N/A | 3-5 Days | 24 hours – 3 days |
| Fees* | Service fees | Service fees | Service fees | Service fees | Service fees | No fees | Service fees | Service fees | No fees |
| Security | Secure | Secure | Very secure | Very secure | Very secure | Very secure | Secure | Secure | Secure |
| Approval Rate | Low | Low | High | High | High | High | High | High | High |
*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
How do I deposit money into online casino?
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.
How long does it take to deposit money at online casinos?
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.
Which banks block gambling transactions?
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.
How do I withdraw money from online casino?
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.
Are my online casino transactions safe?
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.
What are the payment methods available?
US casino sites let players choose from various casino payment methods, 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.