{ "name": "Local payment rails for gambling, by market", "publisher": "iGaming Payment Solutions", "url": "https://igamingpaymentsolutions.com/gambling-payment-rails-map", "licence": "Free to cite with attribution and a link. See /editorial-policy.", "marketCount": 104, "providerCount": 77, "markets": [ { "iso2": "BR", "market": "Brazil", "region": "LATAM", "dominantRailFamily": "instant-bank", "dominantMethods": [ "Pix" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "BRL", "regulator": { "name": "Secretaria de Prêmios e Apostas", "abbr": "SPA/MF", "url": "https://www.gov.br/fazenda" }, "tax": "13% of GGR in 2026, rising to 14% (2027) and 15% (2028) under LC 224/2025", "licence": "R$30m, five years, up to three .bet.br brands", "enforcementReaches": [ "isp", "payment" ], "factsVerified": "2026-07-31", "regulatoryNote": "Regulated since January 2025 under Law 14.790: a licensed operator runs a .bet.br domain behind a Brazilian CNPJ, and only institutions authorized by the central bank may touch bettor money. The payment rules are the strictest of any major market and they keep tightening. Credit cards, boleto, cash, checks and crypto are all barred as betting instruments, which leaves Pix, TED and debit; MP 1.355 then closed the credit-linked-Pix loophole on 4 May 2026 by barring institutions from extending credit tied to betting transfers, and it has to convert into permanent law by 14 September 2026 or lapse. Since 19 June 2026 a bank or payment institution served with an SPA irregularity notice must block an unlicensed operator's funds within 24 hours, with joint tax liability for anyone who keeps serving it. Costs climb on a fixed schedule: the GGR levy rose from 12% to 13% in 2026 and is legislated to reach 14% in 2027 and 15% in 2028, on top of a R$30m authorization covering five years and at most three brands.", "methods": [ { "name": "Pix", "type": "instant-bank/RTP", "importance": "dominant", "note": "~90% of deposits and withdrawals; CPF name-match (sender = registered bettor) required; an offshore-only aggregator that can't settle through a BCB-authorized entity is non-compliant, not just weaker. The #1 capability to verify for Brazil." }, { "name": "Boleto", "type": "voucher/cash", "importance": "major", "note": "Cash/bank voucher; deposit-only. BANNED as a betting payment instrument for licensed .bet.br operators (Portaria SPA/MF 615/2024, alongside cash, checks, credit cards and crypto); an offshore-facing rail only." }, { "name": "Debit (Elo)", "type": "local-card", "importance": "minor", "note": "Debit allowed (credit banned); Elo is the local scheme." }, { "name": "TED", "type": "bank-transfer", "importance": "minor", "note": "Legacy wire; mostly displaced by Pix." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "astropay", "name": "AstroPay", "evidence": "named-clients", "methods": [ "Pix" ] }, { "slug": "okto", "name": "OKTO", "evidence": "named-clients", "methods": [ "Pix" ] }, { "slug": "onekey-payments", "name": "OneKey Payments", "evidence": "named-clients", "methods": [ "Pix", "Pix (biometric, via Belvo)", "Pix (Open Finance ITP)", "TED (bank transfer)" ] }, { "slug": "pagseguro", "name": "PagSeguro", "evidence": "named-clients", "methods": [ "Pix", "Debit (Elo)" ] }, { "slug": "pay4fun", "name": "Pay4Fun", "evidence": "named-clients", "methods": [ "Pix", "TED (bank transfer)", "Debit card (credit banned for betting since Jan 2025)", "Pay4Fun prepaid Mastercard" ] }, { "slug": "vpag", "name": "Vpag", "evidence": "named-clients", "methods": [ "Pix", "Vpag Wallet (bettor e-wallet)", "OneClick Pix / Pix Turbo (personalized Pix key)" ] }, { "slug": "z-ro", "name": "Z.ro Global Payments", "evidence": "named-clients", "methods": [ "Pix", "Bank transfer (TED)" ] }, { "slug": "adyen", "name": "Adyen", "evidence": "industry-known", "methods": [ "Pix" ] }, { "slug": "nuvei", "name": "Nuvei", "evidence": "industry-known", "methods": [ "Pix", "Debit (Elo)", "TED" ] }, { "slug": "payretailers", "name": "PayRetailers", "evidence": "industry-known", "methods": [ "Pix" ] }, { "slug": "truelayer", "name": "TrueLayer", "evidence": "industry-known", "methods": [ "Pix" ] }, { "slug": "worldpay", "name": "Worldpay", "evidence": "industry-known", "methods": [ "Pix" ] }, { "slug": "zimpler", "name": "Zimpler", "evidence": "industry-known", "methods": [ "Pix" ] }, { "slug": "commercegate", "name": "CommerceGate", "evidence": "provider-stated", "methods": [ "Pix", "Debit (Elo)" ] }, { "slug": "ebanx", "name": "EBANX", "evidence": "provider-stated", "methods": [ "Pix", "Debit (Elo)", "TED" ] }, { "slug": "emerchantpay", "name": "emerchantpay", "evidence": "provider-stated", "methods": [ "Pix", "Debit (Elo)", "Hipercard" ] }, { "slug": "mercado-pago", "name": "Mercado Pago", "evidence": "provider-stated", "methods": [ "Pix", "Debit (Elo)", "Mercado Pago wallet" ] }, { "slug": "paysafe", "name": "Paysafe", "evidence": "provider-stated", "methods": [ "Pix", "SafetyPay bank transfer / online-cash" ] } ], "aggregated": [ { "slug": "d24", "name": "D24", "access": "aggregated", "evidence": "industry-known" }, { "slug": "finera", "name": "Finera", "access": "via-psp", "evidence": "provider-stated" }, { "slug": "latpay", "name": "Latpay", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "mifinity", "name": "MiFinity", "access": "wallet", "evidence": "provider-stated" }, { "slug": "noda", "name": "Noda", "access": "open-banking", "evidence": "provider-stated" }, { "slug": "praxis-tech", "name": "Praxis Tech", "access": "via-psp", "evidence": "provider-stated" }, { "slug": "primer", "name": "Primer", "access": "via-psp", "evidence": "provider-stated" }, { "slug": "prontopaga", "name": "ProntoPaga", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "pxp-financial", "name": "PXP Financial", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "volt", "name": "Volt", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [ "/bcb-register-audit-brazil-igaming-psps", "/brazil-credit-card-ban", "/pix-med-2-0-brazilian-igaming" ], "deadlines": [ { "date": "2026-05-04", "title": "Brazil: Pix Credito banned for betting deposits (MP 1.355)", "status": "in-force" }, { "date": "2026-05-19", "title": "Brazil: illegal-betting indicators join BCB fraud data-sharing (Resolucao 569)", "status": "in-force" }, { "date": "2026-06-19", "title": "Brazil: 24-hour blocking orders and joint tax liability (Decreto 13.033 + Portaria 1.766)", "status": "in-force" }, { "date": "2026-09-14", "title": "Brazil: MP 1.355 conversion deadline", "status": "upcoming" }, { "date": "2026-10-30", "title": "Brazil: virtual-asset reporting duty starts (BCB 569)", "status": "upcoming" }, { "date": "2026-12-01", "title": "Brazil: Fraud Marker reporting mandatory", "status": "upcoming" } ], "methodPages": [] } }, { "iso2": "MX", "market": "Mexico", "region": "LATAM", "dominantRailFamily": "instant-bank", "dominantMethods": [ "SPEI" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "MXN", "regulator": { "name": "Secretaría de Gobernación", "abbr": "SEGOB", "url": "https://www.gob.mx/segob" }, "tax": "50% IEPS on betting from 1 Jan 2026, up from 30%; reaches foreign operators serving Mexican players", "licence": "SEGOB permit under the 1947 act; no standalone online licence, online rides on an establishment permit", "enforcementReaches": null, "factsVerified": "2026-07-31", "regulatoryNote": "Still governed by the 1947 Federal Games and Draws Act through SEGOB permits, with no standalone online licence: internet betting rides on an existing establishment permit under Article 85 of the regulation. The November 2023 reform banned slot machines outright, abolished the operador figure so only the permit holder may run the business, and tied each permit to a single establishment. Tax is the 2026 story. The IEPS levy on betting jumped from 30% to 50% on 1 January under a decree published 7 November 2025, and it now explicitly reaches foreign operators serving Mexican players over the internet. Payments themselves stay open, with cards, SPEI and crypto all usable and none of Brazil's instrument bans.", "methods": [ { "name": "SPEI", "type": "instant-bank/RTP", "importance": "dominant", "note": "Banxico instant interbank rail; primary deposit AND withdrawal; CLABE/reference auto-reconciliation is the capability that separates serious providers." }, { "name": "OXXO Pay", "type": "voucher/cash", "importance": "major", "note": "Cash voucher at 20,000+ stores; deposit-ONLY (pair with SPEI for payouts); direct cash-network access matters." }, { "name": "CoDi / DiMo", "type": "instant-bank/RTP", "importance": "minor", "note": "Banxico QR/phone instant on SPEI rails; emerging." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "nuvei", "name": "Nuvei", "evidence": "named-clients", "methods": [ "SPEI", "OXXO Pay", "CoDi / DiMo" ] }, { "slug": "ebanx", "name": "EBANX", "evidence": "provider-stated", "methods": [ "SPEI", "OXXO Pay" ] }, { "slug": "emerchantpay", "name": "emerchantpay", "evidence": "provider-stated", "methods": [ "OXXO Pay", "SPEI", "Local cards" ] }, { "slug": "okto", "name": "OKTO", "evidence": "provider-stated", "methods": [ "Local card deposits (direct card-in)" ] }, { "slug": "payretailers", "name": "PayRetailers", "evidence": "provider-stated", "methods": [ "SPEI", "OXXO Pay" ] }, { "slug": "paysafe", "name": "Paysafe", "evidence": "provider-stated", "methods": [ "SPEI", "OXXO (cash voucher)", "SafetyPay bank transfer" ] } ], "aggregated": [ { "slug": "mercado-pago", "name": "Mercado Pago", "access": "wallet", "evidence": "named-clients" }, { "slug": "praxis-tech", "name": "Praxis Tech", "access": "via-psp", "evidence": "named-clients" }, { "slug": "mifinity", "name": "MiFinity", "access": "wallet", "evidence": "industry-known" }, { "slug": "worldpay", "name": "Worldpay", "access": "aggregated", "evidence": "industry-known" }, { "slug": "astropay", "name": "AstroPay", "access": "wallet", "evidence": "provider-stated" }, { "slug": "bridgerpay", "name": "BridgerPay", "access": "via-psp", "evidence": "provider-stated" }, { "slug": "commercegate", "name": "CommerceGate", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "d24", "name": "D24", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "finera", "name": "Finera", "access": "via-psp", "evidence": "provider-stated" }, { "slug": "latpay", "name": "Latpay", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "onekey-payments", "name": "OneKey Payments", "access": "unknown", "evidence": "provider-stated" }, { "slug": "pxp-financial", "name": "PXP Financial", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "CO", "market": "Colombia", "region": "LATAM", "dominantRailFamily": "instant-bank", "dominantMethods": [ "PSE" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "COP", "regulator": { "name": "Coljuegos", "url": "https://www.coljuegos.gov.co" }, "tax": "~15% of GGR exploitation rights plus 19% VAT; effective load past 34%", "licence": "Individual concession contract, typically five years; 15 authorized operators", "enforcementReaches": [ "isp" ], "factsVerified": "2026-07-31", "regulatoryNote": "The most mature regulated online market in Latin America, licensed by Coljuegos since 2016 and now at 15 authorized operators working under individual concession contracts that typically run five years. The cost base is heavy: exploitation rights take roughly 15% of GGR and 19% VAT sits on top, pushing the effective load past 34%. The VAT that was briefly charged on player deposits under the 2025 state of emergency is gone, and in 2026 it is back on operator GGR. Coljuegos is among the more aggressive regulators anywhere about blocking unlicensed domains. Everything settles in Colombian pesos.", "methods": [ { "name": "PSE", "type": "instant-bank/RTP", "importance": "dominant", "note": "Bank-transfer redirect across 40+ banks; backbone deposit method on every licensed site; direct ACH Colombia/PSE integration is core." }, { "name": "Nequi", "type": "wallet", "importance": "major", "note": "Bancolombia mass-market wallet; near-instant withdrawals; frequently checked before signup." }, { "name": "Daviplata", "type": "wallet", "importance": "minor", "note": "Davivienda's mass-market wallet and the number two to Nequi; matters for reaching the underbanked rather than for headline volume." }, { "name": "Efecty", "type": "voucher/cash", "importance": "minor", "note": "Cash network for unbanked." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "nuvei", "name": "Nuvei", "evidence": "named-clients", "methods": [ "PSE", "Nequi", "Daviplata", "Efecty" ] }, { "slug": "ebanx", "name": "EBANX", "evidence": "provider-stated", "methods": [ "PSE", "Nequi", "Efecty", "Bre-B" ] }, { "slug": "payretailers", "name": "PayRetailers", "evidence": "provider-stated", "methods": [ "PSE", "Efecty" ] }, { "slug": "paysafe", "name": "Paysafe", "evidence": "provider-stated", "methods": [ "PSE", "SafetyPay bank transfer", "Efecty (cash)" ] } ], "aggregated": [ { "slug": "praxis-tech", "name": "Praxis Tech", "access": "via-psp", "evidence": "named-clients" }, { "slug": "mercado-pago", "name": "Mercado Pago", "access": "wallet", "evidence": "industry-known" }, { "slug": "astropay", "name": "AstroPay", "access": "wallet", "evidence": "provider-stated" }, { "slug": "commercegate", "name": "CommerceGate", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "d24", "name": "D24", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "emerchantpay", "name": "emerchantpay", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "latpay", "name": "Latpay", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "onekey-payments", "name": "OneKey Payments", "access": "unknown", "evidence": "provider-stated" }, { "slug": "pxp-financial", "name": "PXP Financial", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "PE", "market": "Peru", "region": "LATAM", "dominantRailFamily": "wallet", "dominantMethods": [ "Yape" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "PEN", "regulator": { "name": "Ministerio de Comercio Exterior y Turismo, through the DGJCMT gaming directorate", "abbr": "MINCETUR", "url": "https://www.gob.pe/mincetur" }, "tax": "12% of net gaming revenue plus a 1% excise on every online bet (Leg. Decree 1644)", "licence": "MINCETUR authorization; 60+ operators licensed; fines to S/990,000", "enforcementReaches": [ "isp", "payment" ], "factsVerified": "2026-07-31", "regulatoryNote": "Law 31557 has been in force since February 2024, with MINCETUR licensing, supervising and enforcing, and more than 60 operators now authorized. Operators pay 12% on net gaming revenue plus a 1% excise on every online bet added by Legislative Decree 1644 in September 2024. Crypto is barred as a direct deposit method, so fiat gateways carry the whole cashier. MINCETUR's enforcement reach is the part that matters for payments: it can order IP restrictions and payment blocks against unlicensed operators, with fines up to S/990,000 and criminal exposure behind them.", "methods": [ { "name": "Yape", "type": "wallet", "importance": "dominant", "note": "BCP QR wallet, default deposit method; direct vs aggregator strongly affects cost/conversion. #1 to verify." }, { "name": "PLIN", "type": "wallet", "importance": "major", "note": "Interbank wallet consortium; Yape+PLIN cover most retail." }, { "name": "PagoEfectivo", "type": "voucher/cash", "importance": "major", "note": "Cash/bank voucher aggregator; also routes Yape." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "ebanx", "name": "EBANX", "evidence": "industry-known", "methods": [ "PagoEfectivo", "Yape" ] }, { "slug": "payretailers", "name": "PayRetailers", "evidence": "industry-known", "methods": [ "Yape", "PagoEfectivo", "bank transfer" ] }, { "slug": "paysafe", "name": "Paysafe", "evidence": "industry-known", "methods": [ "Yape/PLIN (bank network)", "PagoEfectivo", "SafetyPay bank transfer / cash" ] } ], "aggregated": [ { "slug": "astropay", "name": "AstroPay", "access": "wallet", "evidence": "industry-known" }, { "slug": "mercado-pago", "name": "Mercado Pago", "access": "wallet", "evidence": "industry-known" }, { "slug": "mifinity", "name": "MiFinity", "access": "wallet", "evidence": "industry-known" }, { "slug": "nuvei", "name": "Nuvei", "access": "aggregated", "evidence": "industry-known" }, { "slug": "bridgerpay", "name": "BridgerPay", "access": "via-psp", "evidence": "provider-stated" }, { "slug": "d24", "name": "D24", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "emerchantpay", "name": "emerchantpay", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "monnet", "name": "Monnet", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "praxis-tech", "name": "Praxis Tech", "access": "via-psp", "evidence": "provider-stated" }, { "slug": "prontopaga", "name": "ProntoPaga", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "pxp-financial", "name": "PXP Financial", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [ "/mincetur-register-audit-peru-igaming-psps" ], "deadlines": [], "methodPages": [] } }, { "iso2": "CL", "market": "Chile", "region": "LATAM", "dominantRailFamily": "local-card", "dominantMethods": [ "Webpay (Transbank)" ], "status": { "sportsbook": "offshore", "casino": "offshore" }, "currency": "CLP", "regulator": { "name": "No online regulator; land-based casinos sit with the Superintendencia de Casinos de Juego", "abbr": "SCJ" }, "tax": null, "licence": "None yet. Bill 14.838-03 would tax 20% of gross revenue plus VAT and a 1% responsible-gambling levy", "enforcementReaches": [ "isp" ], "factsVerified": "2026-07-31", "regulatoryNote": "Online betting is still unregulated, and the courts got there ahead of Congress. In September 2025 the Supreme Court held that online gambling is illegal unless expressly authorized, then ordered internet providers to block unlicensed platforms; the orders were finalized in April 2026 and later extended to mirror domains. Betsson, Betano, Coolbet, JugaBet and Rojabet are among the sites covered, though enforcement is uneven since Subtel stepped back from policing the blocks. Bill 14.838-03 has sat in its second constitutional stage since 2022 and was given top urgency again in May 2026; as drafted it taxes 20% of gross revenue, adds VAT and a 1% responsible-gambling contribution, and requires settlement through registered payment providers. Until it passes, who processes Chilean money is the whole signal.", "methods": [ { "name": "Webpay (Transbank)", "type": "local-card", "importance": "dominant", "note": "Transbank gateway (RedCompra debit + credit); default checkout, deposit-only; settlement via Transbank/registered acquirer becomes mandatory once regulated." }, { "name": "Khipu / bank transfer", "type": "bank-transfer", "importance": "major", "note": "Bank-transfer initiation across Chilean banks. This is the payout side Webpay cannot cover, since Transbank is deposit-only." }, { "name": "MACH / Tenpo", "type": "wallet", "importance": "minor", "note": "Emerging fintech wallets." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "ebanx", "name": "EBANX", "evidence": "provider-stated", "methods": [ "Webpay (Transbank)", "Khipu / bank transfer" ] }, { "slug": "payretailers", "name": "PayRetailers", "evidence": "provider-stated", "methods": [ "Webpay (Transbank)", "Khipu", "MACH" ] }, { "slug": "paysafe", "name": "Paysafe", "evidence": "provider-stated", "methods": [ "SafetyPay bank transfer (Khipu-style)", "cash (BancoEstado/Caja Vecina/Walmart)" ] } ], "aggregated": [ { "slug": "astropay", "name": "AstroPay", "access": "wallet", "evidence": "industry-known" }, { "slug": "mercado-pago", "name": "Mercado Pago", "access": "wallet", "evidence": "industry-known" }, { "slug": "bridgerpay", "name": "BridgerPay", "access": "via-psp", "evidence": "provider-stated" }, { "slug": "commercegate", "name": "CommerceGate", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "d24", "name": "D24", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "emerchantpay", "name": "emerchantpay", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "latpay", "name": "Latpay", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "monnet", "name": "Monnet", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "nuvei", "name": "Nuvei", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "onekey-payments", "name": "OneKey Payments", "access": "unknown", "evidence": "provider-stated" }, { "slug": "prontopaga", "name": "ProntoPaga", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "pxp-financial", "name": "PXP Financial", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "AR", "market": "Argentina", "region": "LATAM", "dominantRailFamily": "wallet", "dominantMethods": [ "Mercado Pago" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "ARS", "regulator": { "name": "No national regulator; provincial (LOTBA in CABA, IPLyC in Buenos Aires Province)" }, "tax": "25% of GGR in CABA plus a 5% federal indirect tax; provincial rates vary", "licence": "CABA: five-year permit, one extension, tender closed since June 2024. Buenos Aires Province: fifteen years", "enforcementReaches": null, "factsVerified": "2026-07-31", "regulatoryNote": "There is no national regulator. Each province and the City of Buenos Aires licenses separately, so multi-province coverage means stacking licences. CABA runs through LOTBA at 25% of GGR with five-year permits extendable once, and its tender has been closed to new entrants since June 2024, leaving eleven live operators. Buenos Aires Province runs through IPLyC on fifteen-year licences, seven issued and four operating. A 5% federal indirect tax sits on top of whatever the province charges. CABA and Cordoba also require biometric identity checks against the national RENAPER database, which makes onboarding heavier than the payment mix alone would suggest. Everything settles in pesos.", "methods": [ { "name": "Mercado Pago", "type": "wallet", "importance": "dominant", "note": "Ubiquitous wallet; default deposit on nearly every licensed site; largely deposit-only; direct vs reseller affects cost/approval. #1 to verify." }, { "name": "Transferencias 3.0 (CBU/CVU)", "type": "instant-bank/RTP", "importance": "major", "note": "Interoperable instant transfers; primary WITHDRAWAL rail." }, { "name": "AstroPay", "type": "wallet", "importance": "major", "note": "Common payout wallet; commodity layer." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "nuvei", "name": "Nuvei", "evidence": "industry-known", "methods": [ "Mercado Pago", "Transferencias 3.0 (CBU/CVU)", "AstroPay" ] }, { "slug": "payretailers", "name": "PayRetailers", "evidence": "industry-known", "methods": [ "Mercado Pago", "Pago Fácil / Rapipago", "MODO / bank transfer" ] }, { "slug": "ebanx", "name": "EBANX", "evidence": "provider-stated", "methods": [ "Mercado Pago", "AstroPay" ] } ], "aggregated": [ { "slug": "mercado-pago", "name": "Mercado Pago", "access": "wallet", "evidence": "named-clients" }, { "slug": "praxis-tech", "name": "Praxis Tech", "access": "via-psp", "evidence": "named-clients" }, { "slug": "astropay", "name": "AstroPay", "access": "wallet", "evidence": "industry-known" }, { "slug": "bridgerpay", "name": "BridgerPay", "access": "via-psp", "evidence": "provider-stated" }, { "slug": "d24", "name": "D24", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "emerchantpay", "name": "emerchantpay", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "latpay", "name": "Latpay", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "paysafe", "name": "Paysafe", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "EC", "market": "Ecuador", "region": "LATAM", "dominantRailFamily": "mixed", "dominantMethods": [], "status": { "sportsbook": "offshore", "casino": "offshore" }, "currency": "USD", "regulator": { "name": "Ministerio del Deporte", "url": "https://www.deporte.gob.ec" }, "tax": "15% of gross revenue, 15% withheld on player payouts, 15% VAT on the digital service", "licence": "655 unified basic salaries a year ($307,850 in 2025, so it reindexes), five-year term; sports betting only, online casino illegal", "enforcementReaches": null, "factsVerified": "2026-07-31", "regulatoryNote": "Sports betting was formalised by Executive Decree 487, signed in December 2024 with the operating rules effective 1 July 2025, and the Ministry of Sports is the regulator. Online casino remains illegal. The economics are heavy for the size of the market: a licence runs five years and costs 655 unified basic salaries a year, $307,850 in 2025 and reindexed since, operators pay 15% of gross revenue, a further 15% is withheld on player payouts, and 15% VAT applies to the digital service. Ecuador is dollarised, so USD is the operating currency and there is no FX layer to manage.", "methods": [ { "name": "Local bank transfer (Pichincha)", "type": "bank-transfer", "importance": "major", "note": "USD-denominated (dollarized economy)." }, { "name": "PayPhone", "type": "wallet", "importance": "major", "note": "Leading homegrown wallet." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "ebanx", "name": "EBANX", "evidence": "provider-stated", "methods": [ "Local bank transfer (Pichincha)" ] }, { "slug": "payretailers", "name": "PayRetailers", "evidence": "provider-stated", "methods": [ "Local bank transfer (USD)" ] }, { "slug": "paysafe", "name": "Paysafe", "evidence": "provider-stated", "methods": [ "PagoEfectivo", "SafetyPay bank transfer (Pichincha etc.)" ] } ], "aggregated": [ { "slug": "bridgerpay", "name": "BridgerPay", "access": "via-psp", "evidence": "provider-stated" }, { "slug": "commercegate", "name": "CommerceGate", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "d24", "name": "D24", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "monnet", "name": "Monnet", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "nuvei", "name": "Nuvei", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "pxp-financial", "name": "PXP Financial", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "NL", "market": "Netherlands", "region": "Europe", "dominantRailFamily": "instant-bank", "dominantMethods": [ "iDEAL" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "EUR", "regulator": { "name": "Kansspelautoriteit", "abbr": "KSA", "url": "https://kansspelautoriteit.nl" }, "tax": "37.8% of GGR from 1 Jan 2026 (34.2% in 2025, 30.5% before)", "licence": "EUR61,300 application fee, five-year term; 2021 cohort expires from 30 Sep 2026; exit plan mandatory under the 2026 policy rules", "enforcementReaches": [ "isp", "payment" ], "factsVerified": "2026-07-31", "regulatoryNote": "KSA-licensed and now the most heavily taxed market in Europe. Gaming tax went from 30.5% to 34.2% in 2025 and to 37.8% on 1 January 2026, which is why licensed operators keep trimming bonuses and why the regulator's own 2026 priority list opens with the illegal market. Licences run five years and the 2021 cohort starts expiring on 30 September 2026, with renewal turning on the compliance record; the Remote Gambling Policy Rules 2026 also require every licensee to file an exit plan. Enforcement reaches both layers, since ISPs DNS-block designated domains while the KSA has worked through banks and payment processors for the better part of a decade. Deposits are migrating onto Wero and EPI rails through 2027.", "methods": [ { "name": "iDEAL", "type": "instant-bank/RTP", "importance": "dominant", "note": "~70%+ of deposits; four-corner SEPA model (Currence); operator needs an iDEAL acquirer/CPSP — direct vs reseller affects pricing/refunds/uptime." }, { "name": "Trustly", "type": "instant-bank/RTP", "importance": "major", "note": "Secondary A2A; strong for fast withdrawals (iDEAL pays out poorly)." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "nuvei", "name": "Nuvei", "evidence": "named-clients", "methods": [ "iDEAL", "Trustly" ] }, { "slug": "adyen", "name": "Adyen", "evidence": "industry-known", "methods": [ "iDEAL" ] }, { "slug": "checkout-com", "name": "Checkout.com", "evidence": "provider-stated", "methods": [ "iDEAL" ] }, { "slug": "emerchantpay", "name": "emerchantpay", "evidence": "provider-stated", "methods": [ "iDEAL", "Trustly" ] }, { "slug": "pxp-financial", "name": "PXP Financial", "evidence": "provider-stated", "methods": [ "iDEAL" ] }, { "slug": "trust-payments", "name": "Trust Payments", "evidence": "provider-stated", "methods": [ "iDEAL", "Trustly" ] }, { "slug": "worldpay", "name": "Worldpay", "evidence": "provider-stated", "methods": [ "iDEAL", "Trustly" ] } ], "aggregated": [ { "slug": "trustly", "name": "Trustly", "access": "open-banking", "evidence": "named-clients" }, { "slug": "brite", "name": "Brite", "access": "open-banking", "evidence": "industry-known" }, { "slug": "praxis-tech", "name": "Praxis Tech", "access": "via-psp", "evidence": "industry-known" }, { "slug": "yaspa", "name": "Yaspa", "access": "open-banking", "evidence": "industry-known" }, { "slug": "finera", "name": "Finera", "access": "via-psp", "evidence": "provider-stated" }, { "slug": "hipay", "name": "HiPay", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "latpay", "name": "Latpay", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "mifinity", "name": "MiFinity", "access": "wallet", "evidence": "provider-stated" }, { "slug": "noda", "name": "Noda", "access": "open-banking", "evidence": "provider-stated" }, { "slug": "paysafe", "name": "Paysafe", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "ppro", "name": "PPRO", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "primer", "name": "Primer", "access": "via-psp", "evidence": "provider-stated" }, { "slug": "truelayer", "name": "TrueLayer", "access": "open-banking", "evidence": "provider-stated" }, { "slug": "zimpler", "name": "Zimpler", "access": "open-banking", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [ { "date": "2026-10-01", "title": "Netherlands: Wero payments go live alongside iDEAL", "status": "upcoming" }, { "date": "2027-12-31", "title": "Netherlands: iDEAL decommissioned, Wero takes over", "status": "horizon" } ], "methodPages": [] } }, { "iso2": "PL", "market": "Poland", "region": "Europe", "dominantRailFamily": "instant-bank", "dominantMethods": [ "BLIK" ], "status": { "sportsbook": "regulated", "casino": "monopoly" }, "currency": "PLN", "regulator": { "name": "Ministerstwo Finansów", "abbr": "MF", "url": "https://www.gov.pl/web/finanse/hazard" }, "tax": "12% of turnover on sports betting (stakes, not GGR); online casino closed to private operators", "licence": "Betting permit runs six years, extendable by six more", "enforcementReaches": [ "isp", "payment" ], "factsVerified": "2026-07-31", "regulatoryNote": "Online casino is a state monopoly held by Totalizator Sportowy's Total Casino. Private operators may take sports bets only, and they pay 12% on turnover rather than on GGR, one of the harshest bases in Europe and the reason most casino demand sits offshore on MGA and Curacao licences. Betting permits run six years and can be extended by six more. Enforcement is what matters for payments: the Ministry of Finance maintains a register of prohibited domains, 35,791 of them by June 2026, and Article 15g of the gambling act bars payment service providers from servicing anything on that list, so DNS blocks and payment blocks land together.", "methods": [ { "name": "BLIK", "type": "instant-bank/RTP", "importance": "dominant", "note": "Default Polish online payment (~21M users); code-based bank push; usually reached via Przelewy24 — issuers can block gambling MCCs, so a direct relationship decides whether it clears." }, { "name": "Przelewy24 (P24)", "type": "instant-bank/RTP", "importance": "major", "note": "Gateway across 100+ PL banks; main distribution channel for BLIK." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "nuvei", "name": "Nuvei", "evidence": "named-clients", "methods": [ "BLIK", "Przelewy24 (P24)" ] }, { "slug": "payu", "name": "PayU", "evidence": "named-clients", "methods": [ "BLIK" ] }, { "slug": "adyen", "name": "Adyen", "evidence": "provider-stated", "methods": [ "BLIK" ] }, { "slug": "checkout-com", "name": "Checkout.com", "evidence": "provider-stated", "methods": [ "BLIK", "Przelewy24 (P24)" ] }, { "slug": "paysafe", "name": "Paysafe", "evidence": "provider-stated", "methods": [ "BLIK" ] }, { "slug": "trust-payments", "name": "Trust Payments", "evidence": "provider-stated", "methods": [ "Przelewy24", "BLIK (via P24)" ] }, { "slug": "worldpay", "name": "Worldpay", "evidence": "provider-stated", "methods": [ "BLIK", "Przelewy24 (P24)" ] } ], "aggregated": [ { "slug": "praxis-tech", "name": "Praxis Tech", "access": "via-psp", "evidence": "industry-known" }, { "slug": "emerchantpay", "name": "emerchantpay", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "finera", "name": "Finera", "access": "via-psp", "evidence": "provider-stated" }, { "slug": "latpay", "name": "Latpay", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "mifinity", "name": "MiFinity", "access": "wallet", "evidence": "provider-stated" }, { "slug": "noda", "name": "Noda", "access": "open-banking", "evidence": "provider-stated" }, { "slug": "pay-com", "name": "Pay.com", "access": "via-psp", "evidence": "provider-stated" }, { "slug": "ppro", "name": "PPRO", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "truelayer", "name": "TrueLayer", "access": "open-banking", "evidence": "provider-stated" }, { "slug": "volt", "name": "Volt", "access": "open-banking", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [ { "date": "2027-01-09", "title": "SEPA Instant: non-euro EU must receive", "status": "horizon" } ], "methodPages": [] } }, { "iso2": "DE", "market": "Germany", "region": "Europe", "dominantRailFamily": "instant-bank", "dominantMethods": [ "Trustly" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "EUR", "regulator": { "name": "Gemeinsame Glücksspielbehörde der Länder", "abbr": "GGL", "url": "https://www.gluecksspiel-behoerde.de" }, "tax": "5.3% of stakes (not GGR) on virtual slots, online poker and betting; effective 5.03%", "licence": "GGL licence; binding limits are operational: EUR1/spin, 5-second spins, no autoplay or jackpots, EUR1,000/month cross-operator deposit cap", "enforcementReaches": [ "isp", "payment" ], "factsVerified": "2026-07-31", "regulatoryNote": "GGL-licensed under the 2021 treaty, with a deliberately narrow product: virtual slots and online poker only, a EUR1 cap per spin, five-second minimum spins, no autoplay or jackpots, and a EUR1,000 monthly deposit limit that follows the player across every licensed operator through the LUGAS activity file. Tax is charged on stakes rather than GGR at 5.3% under the Race Betting and Lotteries Act, an effective 5.03% because the levy sits inside its own base. Enforcement reaches the money: section 4 of the treaty bars anyone from participating in payments for unlicensed gambling, and a 2024 Halle administrative court ruling let the GGL prohibit a payment provider from servicing all illegal offers rather than a named list. Network blocking got a firm legal footing in a treaty amendment effective May 2026, after the Federal Administrative Court struck down the earlier orders. On the rails side Giropay is gone and girocard blocks gambling outright.", "methods": [ { "name": "Trustly", "type": "instant-bank/RTP", "importance": "dominant", "note": "Backbone now that Giropay is dead and Sofort/Klarna pull back; ~160 German sites; direct vs reseller drives bank coverage/payout speed." }, { "name": "Sofort (Klarna)", "type": "instant-bank/RTP", "importance": "major", "note": "Still common but Klarna narrowing gambling availability; deposit-only." }, { "name": "PayPal", "type": "wallet", "importance": "major", "note": "Heavily preferred; only at GGL-licensed sites; supports payouts." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "okto", "name": "OKTO", "evidence": "named-clients", "methods": [ "OKTO.CASH (cash voucher)", "OKTO.WALLET (e-wallet)" ] }, { "slug": "emerchantpay", "name": "emerchantpay", "evidence": "provider-stated", "methods": [ "Sofort (Klarna Pay Now)", "Open Banking (A2A)", "Trustly", "SEPA Direct Debit" ] }, { "slug": "pxp-financial", "name": "PXP Financial", "evidence": "provider-stated", "methods": [ "Sofort (Klarna)", "Trustly", "PayPal", "SEPA" ] }, { "slug": "trust-payments", "name": "Trust Payments", "evidence": "provider-stated", "methods": [ "Trustly", "Sofort" ] } ], "aggregated": [ { "slug": "truelayer", "name": "TrueLayer", "access": "open-banking", "evidence": "named-clients" }, { "slug": "brite", "name": "Brite", "access": "open-banking", "evidence": "industry-known" }, { "slug": "mifinity", "name": "MiFinity", "access": "wallet", "evidence": "industry-known" }, { "slug": "noda", "name": "Noda", "access": "open-banking", "evidence": "industry-known" }, { "slug": "praxis-tech", "name": "Praxis Tech", "access": "via-psp", "evidence": "industry-known" }, { "slug": "trustly", "name": "Trustly", "access": "open-banking", "evidence": "industry-known" }, { "slug": "finera", "name": "Finera", "access": "via-psp", "evidence": "provider-stated" }, { "slug": "nuvei", "name": "Nuvei", "access": "open-banking", "evidence": "provider-stated" }, { "slug": "paysafe", "name": "Paysafe", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "ppro", "name": "PPRO", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "worldpay", "name": "Worldpay", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "yaspa", "name": "Yaspa", "access": "open-banking", "evidence": "provider-stated" }, { "slug": "zimpler", "name": "Zimpler", "access": "open-banking", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "GB", "market": "United Kingdom", "region": "Europe", "dominantRailFamily": "local-card", "dominantMethods": [ "Visa/Mastercard debit" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "GBP", "regulator": { "name": "Gambling Commission", "abbr": "UKGC", "url": "https://www.gamblingcommission.gov.uk" }, "tax": "Remote gaming duty 21% to 40% on 1 Apr 2026; remote betting duty 15% to 25% in Apr 2027, horse racing excluded", "licence": "UKGC operating licence plus the statutory levy; credit-card ban and debit acceptance are licence conditions", "enforcementReaches": [ "none" ], "factsVerified": "2026-07-31", "regulatoryNote": "UKGC-licensed, and 2026 brings a tax shock: remote gaming duty nearly doubles from 21% to 40% on 1 April 2026, while remote betting duty goes from 15% to 25% in April 2027 with horse racing carved out. Payment rules are unusually specific. Credit cards have been banned for gambling since April 2020, debit acceptance is a licence condition, and the statutory levy and stake limits are already in force. What Britain still lacks is a working blocking regime. The Crime and Policing Act 2026 created a court-ordered power to suspend domains that expressly covers unlicensed gambling, but it has not been commenced, so the Commission's real levers remain licensing, geo-blocking pressure and disruption of hosting and payments.", "methods": [ { "name": "Visa/Mastercard debit", "type": "local-card", "importance": "dominant", "note": "Debit (not credit) is default and mandatory; the scheme split IS the point; aggregator vs direct is a cost/decline question." }, { "name": "Open Banking / Trustly (Pay by Bank)", "type": "instant-bank/RTP", "importance": "major", "note": "Leading and fastest-growing OB gambling rail; lower declines than cards; direct integration affects bank coverage/payouts." }, { "name": "PayPal", "type": "wallet", "importance": "major", "note": "Widely used and it supports withdrawals, but it is bound by the credit-card ban like everything else, and availability turns on PayPal's own gambling policy for the operator." }, { "name": "Apple Pay / Google Pay", "type": "wallet", "importance": "major", "note": "Tokenized debit; still bound by the credit ban." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "checkout-com", "name": "Checkout.com", "evidence": "named-clients", "methods": [ "Visa/Mastercard debit (debit-only, gambling credit-card ban enforced)", "Apple Pay / Google Pay (tokenized debit)" ] }, { "slug": "nuvei", "name": "Nuvei", "evidence": "named-clients", "methods": [ "Visa/Mastercard debit", "Open Banking / Trustly (Pay by Bank)", "PayPal", "Apple Pay / Google Pay" ] }, { "slug": "paysafe", "name": "Paysafe", "evidence": "named-clients", "methods": [ "Skrill", "Neteller", "paysafecard", "Open Banking / Pay by Bank" ] }, { "slug": "worldpay", "name": "Worldpay", "evidence": "named-clients", "methods": [ "Visa/Mastercard debit", "Open Banking / Pay by Bank (Trustly)" ] }, { "slug": "trust-payments", "name": "Trust Payments", "evidence": "industry-known", "methods": [ "Pay by Bank (open banking)", "Visa/Mastercard debit" ] }, { "slug": "adyen", "name": "Adyen", "evidence": "provider-stated", "methods": [ "Visa/Mastercard debit", "Pay by Bank (open banking)" ] }, { "slug": "emerchantpay", "name": "emerchantpay", "evidence": "provider-stated", "methods": [ "Open Banking / Pay-by-Bank (A2A)", "Visa/Mastercard debit" ] }, { "slug": "pxp-financial", "name": "PXP Financial", "evidence": "provider-stated", "methods": [ "Visa/Mastercard debit", "Open Banking / Pay by Bank (A2A)", "Apple Pay / Google Pay", "PayPal" ] } ], "aggregated": [ { "slug": "truelayer", "name": "TrueLayer", "access": "open-banking", "evidence": "named-clients" }, { "slug": "yaspa", "name": "Yaspa", "access": "open-banking", "evidence": "named-clients" }, { "slug": "brite", "name": "Brite", "access": "open-banking", "evidence": "industry-known" }, { "slug": "noda", "name": "Noda", "access": "open-banking", "evidence": "industry-known" }, { "slug": "praxis-tech", "name": "Praxis Tech", "access": "via-psp", "evidence": "industry-known" }, { "slug": "trustly", "name": "Trustly", "access": "open-banking", "evidence": "industry-known" }, { "slug": "volt", "name": "Volt", "access": "open-banking", "evidence": "industry-known" }, { "slug": "finera", "name": "Finera", "access": "via-psp", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "SE", "market": "Sweden", "region": "Europe", "dominantRailFamily": "instant-bank", "dominantMethods": [ "Trustly (Pay N Play)", "Swish" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "SEK", "regulator": { "name": "Spelinspektionen", "url": "https://www.spelinspektionen.se" }, "tax": "22% of GGR (18% before July 2024)", "licence": "Five-year licence, SEK264,000 annual supervisory fee", "enforcementReaches": [ "none" ], "factsVerified": "2026-07-31", "regulatoryNote": "Spelinspektionen-licensed, five-year licences, a SEK264,000 annual supervisory fee, and 22% of GGR in tax after the rate went up from 18% in July 2024. From 1 May 2026 Sweden became the first EU country to ban credit cards, loans, overdrafts and buy-now-pay-later as gambling funding, so a deposit has to come from money the player already holds. What Sweden does not do is block. The payment-blocking powers written into the original Gambling Act were never used, were repealed and replaced, and the current proposal instead puts the obligation on unlicensed operators to geo-block Swedes from January 2027.", "methods": [ { "name": "Trustly (Pay N Play)", "type": "instant-bank/RTP", "importance": "dominant", "note": "Backbone of the no-registration model (BankID deposit+KYC+payout in one flow); restricted to SE-licensed operators, so direct integration is decisive." }, { "name": "Swish", "type": "mobile-money", "importance": "dominant", "note": "8.5M+ users; SE-only real-time, tied to BankID; bank-consortium rail not every PSP can resell." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "zimpler", "name": "Zimpler", "evidence": "industry-known", "methods": [ "Swish", "Pay by Bank (BankID A2A / Pay N Play)" ] }, { "slug": "emerchantpay", "name": "emerchantpay", "evidence": "provider-stated", "methods": [ "Open Banking (A2A, beta)", "Trustly" ] }, { "slug": "worldpay", "name": "Worldpay", "evidence": "provider-stated", "methods": [ "Swish", "Trustly (Pay N Play)" ] } ], "aggregated": [ { "slug": "trustly", "name": "Trustly", "access": "open-banking", "evidence": "named-clients" }, { "slug": "brite", "name": "Brite", "access": "open-banking", "evidence": "industry-known" }, { "slug": "praxis-tech", "name": "Praxis Tech", "access": "via-psp", "evidence": "industry-known" }, { "slug": "truelayer", "name": "TrueLayer", "access": "open-banking", "evidence": "industry-known" }, { "slug": "finera", "name": "Finera", "access": "via-psp", "evidence": "provider-stated" }, { "slug": "noda", "name": "Noda", "access": "open-banking", "evidence": "provider-stated" }, { "slug": "nuvei", "name": "Nuvei", "access": "open-banking", "evidence": "provider-stated" }, { "slug": "ppro", "name": "PPRO", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "yaspa", "name": "Yaspa", "access": "open-banking", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [ "/pay-n-play-architecture" ], "deadlines": [ { "date": "2026-05-01", "title": "Sweden: total credit-funded gambling ban", "status": "in-force" }, { "date": "2026-08-01", "title": "Sweden: Spelpaus verification rules tighten (SIFS 2026:3)", "status": "upcoming" }, { "date": "2027-01-09", "title": "SEPA Instant: non-euro EU must receive", "status": "horizon" } ], "methodPages": [] } }, { "iso2": "FI", "market": "Finland", "region": "Europe", "dominantRailFamily": "instant-bank", "dominantMethods": [ "Trustly (Pay N Play)" ], "status": { "sportsbook": "monopoly", "casino": "monopoly" }, "currency": "EUR", "regulator": { "name": "Veikkaus monopoly through 2026; competitive licensing from 1 Jul 2027" }, "tax": "22% of GGR once licensed (from 2027)", "licence": "Applications opened 1 Mar 2026; annual supervision fee EUR4,000 to EUR434,000 by GGR band", "enforcementReaches": null, "factsVerified": "2026-07-31", "regulatoryNote": "The Veikkaus monopoly runs through 2026 and its replacement is already scheduled. Licence applications opened on 1 March 2026, the B2C market opens on 1 July 2027, and B2B and payment-provider licensing follows in 2028; around 50 operators had applied by mid-2026. Licensed operators will pay a flat 22% of GGR plus an annual supervision fee scaled by size, from EUR4,000 below EUR100,000 of GGR up to EUR434,000 above EUR50m. Until then Finns are served offshore from Malta, Estonia and Curacao, which is why bank-authenticated instant deposits rather than cards are the expected flow.", "methods": [ { "name": "Trustly (Pay N Play)", "type": "instant-bank/RTP", "importance": "dominant", "note": "Finns expect bank-auth instant deposits; no instant bank flow = churn." }, { "name": "Zimpler", "type": "instant-bank/RTP", "importance": "major", "note": "Nordic Pay-N-Play competitor, strong FI-bank coverage." }, { "name": "Brite", "type": "instant-bank/RTP", "importance": "major", "note": "Nordic pay-by-bank challenger with solid Finnish bank coverage; an alternative to Trustly and Zimpler rather than an addition to them." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "worldpay", "name": "Worldpay", "evidence": "provider-stated", "methods": [ "Trustly (Pay N Play)", "Euteller" ] } ], "aggregated": [ { "slug": "brite", "name": "Brite", "access": "open-banking", "evidence": "named-clients" }, { "slug": "trustly", "name": "Trustly", "access": "open-banking", "evidence": "named-clients" }, { "slug": "truelayer", "name": "TrueLayer", "access": "open-banking", "evidence": "industry-known" }, { "slug": "zimpler", "name": "Zimpler", "access": "open-banking", "evidence": "industry-known" }, { "slug": "emerchantpay", "name": "emerchantpay", "access": "open-banking", "evidence": "provider-stated" }, { "slug": "latpay", "name": "Latpay", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "noda", "name": "Noda", "access": "open-banking", "evidence": "provider-stated" }, { "slug": "nuvei", "name": "Nuvei", "access": "open-banking", "evidence": "provider-stated" }, { "slug": "yaspa", "name": "Yaspa", "access": "open-banking", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [ { "date": "2026-03-01", "title": "Finland: licence applications open ahead of market liberalization", "status": "in-force" }, { "date": "2027-07-01", "title": "Finland: licensed market opens", "status": "horizon" } ], "methodPages": [] } }, { "iso2": "NO", "market": "Norway", "region": "Europe", "dominantRailFamily": "mixed", "dominantMethods": [], "status": { "sportsbook": "monopoly", "casino": "monopoly" }, "currency": "NOK", "regulator": null, "tax": null, "licence": null, "enforcementReaches": [ "isp" ], "factsVerified": "2026-07-31", "regulatoryNote": "Norsk Tipping monopoly; 2025 Gambling Act enforces a payment-transaction ban + DNS blocking — banks block cards and direct bank/Trustly to offshore; e-wallets are the grey workaround, NO compliant private acquiring.", "methods": [ { "name": "Skrill / Neteller", "type": "wallet", "importance": "major", "note": "Primary offshore workaround (obscures gambling MCC vs blocked cards/bank)." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [ { "slug": "paysafe", "name": "Paysafe", "access": "wallet", "evidence": "industry-known" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [ "/methods/skrill", "/methods/neteller" ] } }, { "iso2": "DK", "market": "Denmark", "region": "Europe", "dominantRailFamily": "mobile-money", "dominantMethods": [ "MobilePay" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "DKK", "regulator": { "name": "Spillemyndigheden", "url": "https://www.spillemyndigheden.dk" }, "tax": "28% of GGR", "licence": "DKK68,700 application fee (2026); annual fees from DKK60,900, scaled to GGR", "enforcementReaches": [ "isp" ], "factsVerified": "2026-07-31", "regulatoryNote": "Spillemyndigheden-licensed, 28% of GGR in tax, a DKK68,700 application fee for 2026 and annual fees scaled to revenue from DKK60,900. The market is mature and liberal, with MitID identity and the ROFUS self-exclusion register wired into every licensed cashier. Enforcement runs through the courts rather than by regulator order: in June 2025 the Frederiksberg Court approved DNS blocks on 178 illegal sites, the largest single action since the market opened in 2012.", "methods": [ { "name": "MobilePay", "type": "mobile-money", "importance": "dominant", "note": "Leading DK wallet (Vipps MobilePay group); on virtually every licensed site; needs proper MobilePay acquiring." }, { "name": "Dankort", "type": "local-card", "importance": "major", "note": "Danish national debit scheme (often Visa co-badged); needs Dankort-capable acquiring." }, { "name": "Trustly", "type": "instant-bank/RTP", "importance": "major", "note": "The pay-by-bank alternative to MobilePay, and it carries withdrawals cleanly, which Dankort does not." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "adyen", "name": "Adyen", "evidence": "provider-stated", "methods": [ "MobilePay" ] }, { "slug": "nuvei", "name": "Nuvei", "evidence": "provider-stated", "methods": [ "MobilePay", "Dankort", "Trustly" ] }, { "slug": "trust-payments", "name": "Trust Payments", "evidence": "provider-stated", "methods": [ "Trustly" ] } ], "aggregated": [ { "slug": "noda", "name": "Noda", "access": "open-banking", "evidence": "industry-known" }, { "slug": "trustly", "name": "Trustly", "access": "open-banking", "evidence": "industry-known" }, { "slug": "truelayer", "name": "TrueLayer", "access": "open-banking", "evidence": "provider-stated" }, { "slug": "yaspa", "name": "Yaspa", "access": "open-banking", "evidence": "provider-stated" }, { "slug": "zimpler", "name": "Zimpler", "access": "open-banking", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [ { "date": "2027-01-09", "title": "SEPA Instant: non-euro EU must receive", "status": "horizon" } ], "methodPages": [] } }, { "iso2": "PT", "market": "Portugal", "region": "Europe", "dominantRailFamily": "voucher-cash", "dominantMethods": [ "Multibanco", "MB WAY" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "EUR", "regulator": { "name": "Serviço de Regulação e Inspeção de Jogos", "abbr": "SRIJ", "url": "https://www.srij.turismodeportugal.pt" }, "tax": "25% of GGR on games of chance; 8% of turnover on fixed-odds sports betting", "licence": "Three-year renewable; EUR500k player-liability guarantee plus EUR100k against the special gambling tax", "enforcementReaches": [ "isp" ], "factsVerified": "2026-07-31", "regulatoryNote": "SRIJ-licensed under Turismo de Portugal, with three-year renewable licences backed by real capital: a EUR500,000 guarantee per licence for player liabilities plus EUR100,000 against the special gambling tax. The tax split is unusual and it shapes product mix. Games of chance pay 25% of GGR while fixed-odds sports betting is taxed on turnover at 8%. Enforcement runs through cease-and-desist orders and ISP blocks, with more than 1,500 illegal sites ordered blocked since the market opened in 2015, alongside cooperation with banks to disrupt payment flows. On the rails side everything routes through SIBS, which owns both Multibanco and MB WAY.", "methods": [ { "name": "Multibanco", "type": "voucher/cash", "importance": "dominant", "note": "Reference-code system (deposit-only); run by SIBS — operator needs a SIBS/Multibanco acquiring relationship to generate references." }, { "name": "MB WAY", "type": "mobile-money", "importance": "dominant", "note": "SIBS mobile layer; instant deposits AND the main withdrawal method (Multibanco can't pay out)." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "hipay", "name": "HiPay", "evidence": "industry-known", "methods": [ "Multibanco", "MB WAY", "Payshop" ] }, { "slug": "adyen", "name": "Adyen", "evidence": "provider-stated", "methods": [ "Multibanco", "MB WAY" ] }, { "slug": "emerchantpay", "name": "emerchantpay", "evidence": "provider-stated", "methods": [ "Multibanco", "MB WAY" ] }, { "slug": "nuvei", "name": "Nuvei", "evidence": "provider-stated", "methods": [ "Multibanco", "MB WAY" ] }, { "slug": "paysafe", "name": "Paysafe", "evidence": "provider-stated", "methods": [ "Multibanco", "MB WAY" ] }, { "slug": "pxp-financial", "name": "PXP Financial", "evidence": "provider-stated", "methods": [ "Multibanco", "MB WAY" ] }, { "slug": "trust-payments", "name": "Trust Payments", "evidence": "provider-stated", "methods": [ "Multibanco", "MB WAY" ] }, { "slug": "worldpay", "name": "Worldpay", "evidence": "provider-stated", "methods": [ "Multibanco" ] } ], "aggregated": [ { "slug": "mifinity", "name": "MiFinity", "access": "wallet", "evidence": "industry-known" }, { "slug": "finera", "name": "Finera", "access": "via-psp", "evidence": "provider-stated" }, { "slug": "latpay", "name": "Latpay", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "noda", "name": "Noda", "access": "open-banking", "evidence": "provider-stated" }, { "slug": "ppro", "name": "PPRO", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "truelayer", "name": "TrueLayer", "access": "open-banking", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "IT", "market": "Italy", "region": "Europe", "dominantRailFamily": "local-card", "dominantMethods": [ "PostePay" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "EUR", "regulator": { "name": "Agenzia delle Dogane e dei Monopoli", "abbr": "ADM", "url": "https://www.adm.gov.it" }, "tax": "24.5% of GGR on betting, 25.5% on casino, plus a 3% annual fee on net revenue", "licence": "EUR7m for nine years (EUR4m up front, EUR3m on deployment)", "enforcementReaches": [ "isp" ], "factsVerified": "2026-07-31", "regulatoryNote": "ADM-licensed, and 2026 completes the reset. The new nine-year concessions cost EUR7m each, EUR4m up front and EUR3m on full deployment, against ongoing duty of 24.5% of GGR on betting and 25.5% on casino plus a 3% annual fee on net revenue; 46 operators cleared stage two of the tender. Enforcement is industrial, with ADM and the state tech agency SOGEI running automated domain blocking: more than 500 sites added in 2026 alone and over 12,000 since 2019. From May 2026 a EUR100 weekly cap on cash deposits at voucher shops pushes players toward traceable rails, which is the live pressure point for payment providers here.", "methods": [ { "name": "PostePay", "type": "local-card", "importance": "dominant", "note": "Poste Italiane prepaid card — single most-used instrument; deposit-only; needs PostePay/Poste support, not plain Visa." }, { "name": "PayPal", "type": "wallet", "importance": "major", "note": "Very widely used; supports payouts." }, { "name": "MyBank", "type": "instant-bank/RTP", "importance": "major", "note": "Italian SEPA bank-push; growing as the traceable alternative the cash cap favors." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "nuvei", "name": "Nuvei", "evidence": "named-clients", "methods": [ "PostePay", "PayPal", "MyBank" ] }, { "slug": "okto", "name": "OKTO", "evidence": "named-clients", "methods": [ "OKTO.WALLET (e-wallet + Visa card)", "OKTO.CASH (cash voucher)" ] }, { "slug": "hipay", "name": "HiPay", "evidence": "industry-known", "methods": [ "MyBank" ] }, { "slug": "emerchantpay", "name": "emerchantpay", "evidence": "provider-stated", "methods": [ "MyBank", "Open Banking (A2A)" ] }, { "slug": "paysafe", "name": "Paysafe", "evidence": "provider-stated", "methods": [ "MyBank", "paysafecard", "Italian LPM (partner)" ] }, { "slug": "trust-payments", "name": "Trust Payments", "evidence": "provider-stated", "methods": [ "MyBank", "Satispay", "PostePay (via card acquiring)" ] }, { "slug": "worldpay", "name": "Worldpay", "evidence": "provider-stated", "methods": [ "MyBank", "BANCOMAT Pay" ] } ], "aggregated": [ { "slug": "finera", "name": "Finera", "access": "via-psp", "evidence": "provider-stated" }, { "slug": "noda", "name": "Noda", "access": "open-banking", "evidence": "provider-stated" }, { "slug": "ppro", "name": "PPRO", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "truelayer", "name": "TrueLayer", "access": "open-banking", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "ES", "market": "Spain", "region": "Europe", "dominantRailFamily": "instant-bank", "dominantMethods": [ "Bizum" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "EUR", "regulator": { "name": "Dirección General de Ordenación del Juego", "abbr": "DGOJ", "url": "https://www.ordenacionjuego.es" }, "tax": "20% of GGR (10% for operators registered in Ceuta or Melilla)", "licence": "General licence ten years, renewable; ~EUR38k plus EUR2,500 per singular licence; EUR5m fine for operating unlicensed", "enforcementReaches": [ "isp" ], "factsVerified": "2026-07-31", "regulatoryNote": "DGOJ-licensed under Law 13/2011 and taxed at 20% of GGR, or 10% for operators registered in Ceuta and Melilla. General licences run ten years and renew for the same term, with singular licences layered on per game. The ticket is modest by European standards: roughly EUR38,000 for the general licence plus EUR2,500 per singular one, with certification costs on top. Advertising and bonus rules are among the strictest in Europe, and operating unlicensed draws fines up to EUR5m alongside website blocking. Bizum dominates deposits, and it is a bank-consortium rail rather than something any PSP can resell.", "methods": [ { "name": "Bizum", "type": "instant-bank/RTP", "importance": "dominant", "note": "Bank-consortium instant mobile payment, accepted at all DGOJ casinos; deposit-heavy (withdraw via bank transfer); needs real Bizum acquiring access not every PSP can resell." }, { "name": "Spanish bank transfer (SEPA)", "type": "bank-transfer", "importance": "major", "note": "Default for larger withdrawals." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "adyen", "name": "Adyen", "evidence": "provider-stated", "methods": [ "Bizum" ] }, { "slug": "checkout-com", "name": "Checkout.com", "evidence": "provider-stated", "methods": [ "Bizum" ] }, { "slug": "commercegate", "name": "CommerceGate", "evidence": "provider-stated", "methods": [ "Spanish bank transfer (SEPA)" ] }, { "slug": "nuvei", "name": "Nuvei", "evidence": "provider-stated", "methods": [ "Bizum", "Spanish bank transfer (SEPA)" ] }, { "slug": "okto", "name": "OKTO", "evidence": "provider-stated", "methods": [ "OKTO.CASH (cash voucher)" ] }, { "slug": "pxp-financial", "name": "PXP Financial", "evidence": "provider-stated", "methods": [ "Bizum", "Spanish bank transfer (SEPA)" ] }, { "slug": "worldpay", "name": "Worldpay", "evidence": "provider-stated", "methods": [ "Bizum" ] } ], "aggregated": [ { "slug": "emerchantpay", "name": "emerchantpay", "access": "open-banking", "evidence": "provider-stated" }, { "slug": "noda", "name": "Noda", "access": "open-banking", "evidence": "provider-stated" }, { "slug": "ppro", "name": "PPRO", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "truelayer", "name": "TrueLayer", "access": "open-banking", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "RO", "market": "Romania", "region": "Europe", "dominantRailFamily": "bank-transfer", "dominantMethods": [ "Romanian bank transfer / cards (via Class 2 PSP)" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "RON", "regulator": { "name": "Oficiul Naţional pentru Jocuri de Noroc", "abbr": "ONJN", "url": "https://onjn.gov.ro" }, "tax": "Annual authorisation tax 30% of GGR (21% before Law 141/2025), minimum EUR480,000", "licence": "EUR300,000 annual licence tax; payment processors need a Romanian Class 2 licence and player funds must sit in Romanian bank accounts", "enforcementReaches": [ "isp" ], "factsVerified": "2026-07-31", "regulatoryNote": "ONJN-licensed, and the economics changed hard on 1 August 2025 when Law 141/2025 lifted the annual authorisation tax from 21% of GGR to 30%, with a floor of EUR480,000 a year, on top of a EUR300,000 annual licence tax. The payment rules are what make Romania unusual: a payment processor must itself hold a Romanian Class 2 licence and player funds must sit in Romanian-domiciled bank accounts, so local acquiring is a legal requirement rather than an optimisation and an offshore aggregator simply cannot serve the regulated market. More than 1,500 offshore domains are ISP-blocked.", "methods": [ { "name": "Romanian bank transfer / cards (via Class 2 PSP)", "type": "bank-transfer", "importance": "dominant", "note": "Direct local acquiring is a LEGAL requirement, not just better; an offshore aggregator cannot serve the regulated market." }, { "name": "Skrill / Neteller", "type": "wallet", "importance": "major", "note": "Popular for fast withdrawals; still settles through Class 2 flows." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "nuvei", "name": "Nuvei", "evidence": "named-clients", "methods": [ "Romanian bank transfer / cards (own ONJN Class 2 licence)", "Skrill / Neteller" ] } ], "aggregated": [ { "slug": "okto", "name": "OKTO", "access": "wallet", "evidence": "named-clients" }, { "slug": "paysafe", "name": "Paysafe", "access": "wallet", "evidence": "industry-known" }, { "slug": "noda", "name": "Noda", "access": "open-banking", "evidence": "provider-stated" }, { "slug": "toda-pay", "name": "TODA Pay", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [ "/methods/skrill", "/methods/neteller" ] } }, { "iso2": "KE", "market": "Kenya", "region": "Africa", "dominantRailFamily": "mobile-money", "dominantMethods": [ "M-Pesa (Safaricom)" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "KES", "regulator": { "name": "Gambling Regulatory Authority (replaced the BCLB in Feb 2026 under the Gambling Control Act 2025)", "abbr": "GRA" }, "tax": "15% of GGR monthly, 5% excise on deposits, 20% withholding on winnings and 5% on withdrawals (Finance Act 2026)", "licence": null, "enforcementReaches": [ "isp", "payment" ], "factsVerified": "2026-07-31", "regulatoryNote": "Regulated by the Gambling Regulatory Authority, which replaced the BCLB by the end of February 2026 under the Gambling Control Act 2025. It is one of Africa's largest betting markets and its tax code has now been rewritten two years running. Operators pay 15% of GGR monthly to the KRA. The Finance Act 2025 cut excise from 15% on each stake to 5% on each deposit and swapped the 20% withholding on winnings for a flat 5% on every withdrawal. The Finance Act 2026, in force since 1 July 2026, kept the 5% rate but widened the base to any value made available for gambling, chips and tokens included, pulled horse racing back into scope, and revived the 20% withholding on winnings over the regulator's own objection. A Kenyan player is now taxed going in, on the win, and coming back out. Enforcement reaches the rail directly: shutting down 58 illegal betting sites meant letters to both the Communications Authority and Safaricom, and the paybill numbers went down with the domains. Where M-Pesa carries almost every deposit, losing a paybill is losing the business.", "methods": [ { "name": "M-Pesa (Safaricom)", "type": "mobile-money", "importance": "dominant", "note": "~90-95% of deposits/withdrawals; direct Daraja API with a dedicated Paybill/Till (no aggregator markup, B2C payouts, better uptime) is the single biggest cost/approval lever; Safaricom's gambling Paybill policy is the gatekeeper." }, { "name": "Airtel Money", "type": "mobile-money", "importance": "major", "note": "#2 (~10%), rising on lower fees; added for redundancy." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "cellulant", "name": "Cellulant", "evidence": "industry-known", "methods": [ "M-Pesa (Safaricom)", "Airtel Money" ] }, { "slug": "dpo-group", "name": "DPO Group", "evidence": "industry-known", "methods": [ "M-Pesa (Safaricom, direct Daraja)", "Airtel Money" ] }, { "slug": "flutterwave", "name": "Flutterwave", "evidence": "industry-known", "methods": [ "M-Pesa (Safaricom)", "Airtel Money" ] }, { "slug": "paystack", "name": "Paystack", "evidence": "provider-stated", "methods": [ "M-Pesa (Safaricom)" ] } ], "aggregated": [ { "slug": "ebanx", "name": "EBANX", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "praxis-tech", "name": "Praxis Tech", "access": "via-psp", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "NG", "market": "Nigeria", "region": "Africa", "dominantRailFamily": "instant-bank", "dominantMethods": [ "Bank transfer (NIP / new NPS)", "OPay / PalmPay / Moniepoint" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "NGN", "regulator": { "name": "State gaming regulators, coordinated by the Federation of State Gaming Regulators (FSGRN); federal licences valid only in the FCT" }, "tax": "Flat 11% of GGR across lottery, betting and casino from 1 Jan 2026", "licence": "N100m a year per category, retail and online alike, plus discretionary state fees", "enforcementReaches": null, "factsVerified": "2026-07-31", "regulatoryNote": "The November 2024 Supreme Court ruling cut the National Lottery Act back to the Federal Capital Territory, which handed regulation to the states and voided federal licences outside Abuja. The states then organised: the Federation of State Gaming Regulators agreed a unified regime effective 1 January 2026 with a flat 11% of GGR across lottery, betting and casino, and operator licences at N100m a year per category with no distinction between retail and online. Lagos adds discretionary LSLGA fees on top. It is a large market with a real cost of entry, and the payment side is unforgiving: card-only foreign acquiring simply fails, and a gambling-friendly local acquirer is what determines whether money settles.", "methods": [ { "name": "Bank transfer (NIP / new NPS)", "type": "instant-bank/RTP", "importance": "dominant", "note": "Instant A2A backbone reached via NG PSPs (Paystack/Flutterwave/Monnify) or virtual-account providers; gambling-friendly local acquirer drives settlement/decline; card-only foreign acquiring fails." }, { "name": "OPay / PalmPay / Moniepoint", "type": "wallet", "importance": "dominant", "note": "Fintech wallets now non-negotiable; supporting them as named methods lifts mass-market/underbanked conversion." }, { "name": "USSD (*code#)", "type": "other", "importance": "major", "note": "Bank-channel deposits on feature phones; coverage breadth matters." }, { "name": "Verve card", "type": "local-card", "importance": "minor", "note": "Domestic card scheme; the relevant LOCAL card vs commodity Visa/MC." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "flutterwave", "name": "Flutterwave", "evidence": "named-clients", "methods": [ "Bank transfer (NIP / new NPS)", "USSD (*code#)", "Verve card" ] }, { "slug": "paystack", "name": "Paystack", "evidence": "named-clients", "methods": [ "Bank transfer (NIP / new NPS)", "USSD (*code#)", "Verve card" ] }, { "slug": "cellulant", "name": "Cellulant", "evidence": "industry-known", "methods": [ "Bank transfer (NIP / NIBSS)", "Verve card" ] } ], "aggregated": [ { "slug": "ebanx", "name": "EBANX", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "nuvei", "name": "Nuvei", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "payretailers", "name": "PayRetailers", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "GH", "market": "Ghana", "region": "Africa", "dominantRailFamily": "mobile-money", "dominantMethods": [ "MTN Mobile Money (MoMo)" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "GHS", "regulator": { "name": "Gaming Commission of Ghana", "url": "https://www.gamingcommission.gov.gh" }, "tax": "20% of gross gambling revenue; the 10% withholding on player winnings was repealed in April 2025", "licence": null, "enforcementReaches": null, "factsVerified": "2026-07-31", "regulatoryNote": "Gaming Commission-licensed, with operators paying 20% of gross gambling revenue. The 10% withholding tax on player winnings was fully repealed in April 2025 under the Income Tax (Amendment) Bill, which improved player economics and, with them, deposit frequency. All three mobile-money rails dwarf cards here, and MTN MoMo is the one that decides whether a cashier works at all.", "methods": [ { "name": "MTN Mobile Money (MoMo)", "type": "mobile-money", "importance": "dominant", "note": "Clear #1 (17M+ users); direct MTN integration drives fee/payout reliability." }, { "name": "Telecel Cash", "type": "mobile-money", "importance": "major", "note": "#2 wallet (ex-Vodafone Cash)." }, { "name": "AirtelTigo Money", "type": "mobile-money", "importance": "major", "note": "All three MoMo rails dwarf cards." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "cellulant", "name": "Cellulant", "evidence": "industry-known", "methods": [ "MTN Mobile Money (MoMo)", "Telecel Cash", "AirtelTigo Money" ] }, { "slug": "flutterwave", "name": "Flutterwave", "evidence": "industry-known", "methods": [ "MTN Mobile Money (MoMo)", "AirtelTigo Money" ] }, { "slug": "paystack", "name": "Paystack", "evidence": "provider-stated", "methods": [ "MTN Mobile Money (MoMo)", "Telecel Cash", "AirtelTigo Money" ] } ], "aggregated": [ { "slug": "ebanx", "name": "EBANX", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "nuvei", "name": "Nuvei", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "payretailers", "name": "PayRetailers", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "ZA", "market": "South Africa", "region": "Africa", "dominantRailFamily": "instant-bank", "dominantMethods": [ "Instant EFT (Ozow / Capitec Pay / SiD)" ], "status": { "sportsbook": "regulated", "casino": "offshore" }, "currency": "ZAR", "regulator": { "name": "National Gambling Board plus provincial boards", "abbr": "NGB" }, "tax": "Provincial 6-9% of GGR; a further 20% national online-betting tax is consulted on, not enacted", "licence": "Provincial bookmaker licence; online casino is illegal nationwide", "enforcementReaches": [ "none" ], "factsVerified": "2026-07-31", "regulatoryNote": "The line that matters here is not licensed versus unlicensed, it is which product. Online casino, slots and poker are illegal nationwide, reaffirmed in February 2026, and only sports betting and horse racing through a provincially licensed bookmaker are legal. iGaming in South Africa means betting. Provincial boards license and tax at 6% to 9% of GGR, and the National Treasury has consulted on a further 20% national tax on online betting revenue that would take the combined load to 26-29%; that is a discussion paper, not law. Blocking keeps being explored and keeps going nowhere, with the internet service providers' association arguing in July 2026 that site blocking is easy to dodge and legally shaky.", "methods": [ { "name": "Instant EFT (Ozow / Capitec Pay / SiD)", "type": "instant-bank/RTP", "importance": "dominant", "note": "Real-time bank-pull, default deposit rail (zero fee, no card details); which provider (Ozow vs Capitec Pay vs SiD) drives bank coverage/approval." }, { "name": "PayShap", "type": "instant-bank/RTP", "importance": "major", "note": "Bank-backed real-time low-value scheme; fast becoming a must-have in 2026." }, { "name": "1Voucher / OTT / Blu Voucher", "type": "voucher/cash", "importance": "major", "note": "Cash vouchers; key underbanked on-ramp, mostly deposit-only." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "dpo-group", "name": "DPO Group", "evidence": "industry-known", "methods": [ "Instant EFT (Ozow / SiD via PayGate)", "Visa/Mastercard debit cards (PayGate/SARB acquiring)", "Zapper / Masterpass" ] } ], "aggregated": [ { "slug": "cellulant", "name": "Cellulant", "access": "aggregated", "evidence": "industry-known" }, { "slug": "ebanx", "name": "EBANX", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "finera", "name": "Finera", "access": "via-psp", "evidence": "provider-stated" }, { "slug": "nuvei", "name": "Nuvei", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "payretailers", "name": "PayRetailers", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "paystack", "name": "Paystack", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "TZ", "market": "Tanzania", "region": "Africa", "dominantRailFamily": "mobile-money", "dominantMethods": [ "Vodacom M-Pesa" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "TZS", "regulator": { "name": "Gaming Board of Tanzania", "abbr": "GBT", "url": "https://www.gamingboard.go.tz" }, "tax": "25% of GGR on online betting and casino, 18% land-based; a 5% stake excise is budgeted for 1 Jul 2026, pending parliament", "licence": null, "enforcementReaches": null, "factsVerified": "2026-07-31", "regulatoryNote": "Licensed by the Gaming Board of Tanzania, and mobile money is not one option among several here, it is the market. Online betting and casino are taxed at 25% of GGR after sports betting moved off a 6% levy on stakes, with land-based casinos at 18%. A 5% excise on betting stakes went into the 2026/27 budget for 1 July 2026 and needs parliament to confirm it. A stake-based levy stacked on a GGR tax is exactly what pushes operators to squeeze deposit costs, which is where a direct mobile-money integration pays for itself.", "methods": [ { "name": "Vodacom M-Pesa", "type": "mobile-money", "importance": "dominant", "note": "The default wallet and the single largest deposit rail. A direct integration on a dedicated shortcode beats aggregator routing on both fee and payout reliability." }, { "name": "Airtel Money", "type": "mobile-money", "importance": "major", "note": "The number two network wallet, carried for redundancy and price pressure more than for extra reach." }, { "name": "Mixx by Yas (Tigo Pesa)", "type": "mobile-money", "importance": "major", "note": "The rebranded Tigo Pesa. It is the third wallet a cashier needs before it genuinely covers the market." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "cellulant", "name": "Cellulant", "evidence": "industry-known", "methods": [ "Vodacom M-Pesa", "Airtel Money", "Mixx by Yas (Tigo Pesa)" ] }, { "slug": "dpo-group", "name": "DPO Group", "evidence": "industry-known", "methods": [ "Vodacom M-Pesa", "Mixx by Yas (Tigo Pesa)", "Airtel Money" ] }, { "slug": "flutterwave", "name": "Flutterwave", "evidence": "industry-known", "methods": [ "Vodacom M-Pesa", "Airtel Money", "Mixx by Yas (Tigo Pesa)" ] } ], "aggregated": [ { "slug": "ebanx", "name": "EBANX", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "nuvei", "name": "Nuvei", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "payretailers", "name": "PayRetailers", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "praxis-tech", "name": "Praxis Tech", "access": "via-psp", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "UG", "market": "Uganda", "region": "Africa", "dominantRailFamily": "mobile-money", "dominantMethods": [ "MTN Mobile Money" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "UGX", "regulator": { "name": "National Lotteries and Gaming Regulatory Board", "abbr": "NLGRB", "url": "https://lgrb.go.ug" }, "tax": "30% of GGR from 1 Jul 2026 (harmonised from 30% gaming / 20% betting), plus 15% withheld on net winnings", "licence": "Around UGX100m initial for a foreign online sportsbook; half for East African nationals", "enforcementReaches": null, "factsVerified": "2026-07-31", "regulatoryNote": "Licensed by the National Lotteries and Gaming Regulatory Board, and the tax structure was harmonised from 1 July 2026: a single 30% of GGR across betting and gaming, replacing a split that charged gaming 30% and betting 20%, plus 15% withheld on net player winnings. A foreign online sportsbook budgets around UGX100m in initial fees, with East African nationals paying half. Bettor accounts must be linked to a phone number, which is less a compliance footnote than a description of the market: deposits are mobile money, and an operator without MTN and Airtel wallet integrations has no cashier at all.", "methods": [ { "name": "MTN Mobile Money", "type": "mobile-money", "importance": "dominant", "note": "The largest wallet and the default deposit rail; a direct biller code rather than aggregator routing is what drives approval rates and payout reliability." }, { "name": "Airtel Money", "type": "mobile-money", "importance": "major", "note": "The number two network wallet, carried for coverage and fee pressure rather than for extra reach." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "cellulant", "name": "Cellulant", "evidence": "industry-known", "methods": [ "MTN Mobile Money", "Airtel Money" ] }, { "slug": "flutterwave", "name": "Flutterwave", "evidence": "industry-known", "methods": [ "MTN Mobile Money", "Airtel Money" ] } ], "aggregated": [ { "slug": "ebanx", "name": "EBANX", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "nuvei", "name": "Nuvei", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "payretailers", "name": "PayRetailers", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "CM", "market": "Cameroon", "region": "Africa", "dominantRailFamily": "mobile-money", "dominantMethods": [ "MTN MoMo", "Orange Money" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "XAF", "regulator": null, "tax": null, "licence": null, "enforcementReaches": null, "factsVerified": null, "regulatoryNote": "Licensed and taxed rather than tolerated: authorisation runs through the Ministry of Territorial Administration and the gaming regulator (Agence de régulation des jeux), covers entertainment, commercial and online gambling, and online licences run five years against 15% of GGR. The practical constraint is not the licence but the rail — Cameroon's deposit economy is mobile money, so an operator without an MTN MoMo and Orange Money integration has no cashier worth the name regardless of what its licence says.", "methods": [ { "name": "MTN MoMo", "type": "mobile-money", "importance": "dominant", "note": null }, { "name": "Orange Money", "type": "mobile-money", "importance": "dominant", "note": null } ], "providersWithRecordedAccess": { "direct": [ { "slug": "cellulant", "name": "Cellulant", "evidence": "industry-known", "methods": [ "MTN MoMo", "Orange Money" ] }, { "slug": "flutterwave", "name": "Flutterwave", "evidence": "provider-stated", "methods": [ "MTN MoMo", "Orange Money" ] } ], "aggregated": [ { "slug": "nuvei", "name": "Nuvei", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "CI", "market": "Cote d'Ivoire", "region": "Africa", "dominantRailFamily": "mobile-money", "dominantMethods": [ "Orange Money" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "XOF", "regulator": null, "tax": null, "licence": null, "enforcementReaches": null, "factsVerified": null, "regulatoryNote": "A state-concession market: the 1970-vintage national lottery LONACI holds the exclusive concession over online games, sports betting and lotteries, and licenses the operators that run under it — Betclic, Premier Bet, 1xBet and Sportcash among them, with Bet360 licensed as recently as April 2026. So market entry is a LONACI relationship, not an application to an independent regulator. On the money side Côte d'Ivoire is one of the clearest mobile-money markets we track: Orange Money alone carries an estimated 70-80% of deposits, and cashiers let players pick Wave, Orange, MTN or Moov and settle in CFA francs in about ten seconds.", "methods": [ { "name": "Orange Money", "type": "mobile-money", "importance": "dominant", "note": null }, { "name": "MTN MoMo", "type": "mobile-money", "importance": "major", "note": null }, { "name": "Wave", "type": "mobile-money", "importance": "major", "note": "Low-fee challenger gaining fast in Francophone West Africa." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "cellulant", "name": "Cellulant", "evidence": "industry-known", "methods": [ "Orange Money", "MTN MoMo", "Wave" ] }, { "slug": "flutterwave", "name": "Flutterwave", "evidence": "provider-stated", "methods": [ "Orange Money", "MTN MoMo", "Wave" ] }, { "slug": "paystack", "name": "Paystack", "evidence": "provider-stated", "methods": [ "Orange Money", "MTN MoMo", "Wave" ] } ], "aggregated": [ { "slug": "ebanx", "name": "EBANX", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "nuvei", "name": "Nuvei", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "IN", "market": "India", "region": "Asia", "dominantRailFamily": "instant-bank", "dominantMethods": [ "UPI" ], "status": { "sportsbook": "banned-processing", "casino": "banned-processing" }, "currency": "INR", "regulator": { "name": "Online Gaming Authority of India (PROG Act 2025)", "abbr": "OGAI" }, "tax": null, "licence": "None available: online money games are prohibited outright from 1 May 2026", "enforcementReaches": [ "isp", "payment" ], "factsVerified": "2026-07-31", "regulatoryNote": "Highest legal-risk tier in this catalog, shown rather than recommended because completeness matters: competitors list India processing, and readers deserve to see who does. The PROG Act 2025 took effect on 1 May 2026 and bans online money games outright, splitting the field into recognised esports, online social games and prohibited money games. The part that decides payments is statutory rather than supervisory: banks and financial institutions are barred from processing transactions for prohibited games, so UPI is not discouraged here, it is closed by law. Offshore sites still route grey through intermediaries. Treat any India capability as a legal-risk disclosure rather than a feature.", "methods": [ { "name": "UPI", "type": "instant-bank/RTP", "importance": "dominant", "note": "Statutorily barred for real-money gaming (PROG Act); offshore sites still route it grey via payment intermediaries — surface who can, flag the legal risk." }, { "name": "Bank transfer / Netbanking (IMPS/NEFT)", "type": "bank-transfer", "importance": "major", "note": "Under the same statutory bar as UPI: the PROG Act closes bank processing for prohibited games, so offshore routing rides on intermediaries rather than on bank cooperation." }, { "name": "Paytm / PhonePe", "type": "wallet", "importance": "major", "note": "Both sit on UPI rails and inherit the PROG Act prohibition. Their presence in a cashier says more about the intermediary behind them than about the wallet." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "payu", "name": "PayU", "evidence": "industry-known", "methods": [ "UPI", "Netbanking" ] } ], "aggregated": [ { "slug": "astropay", "name": "AstroPay", "access": "wallet", "evidence": "industry-known" }, { "slug": "mifinity", "name": "MiFinity", "access": "wallet", "evidence": "industry-known" }, { "slug": "praxis-tech", "name": "Praxis Tech", "access": "via-psp", "evidence": "industry-known" }, { "slug": "ebanx", "name": "EBANX", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "nuvei", "name": "Nuvei", "access": "unknown", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [ { "date": "2026-05-01", "title": "India: PROG Rules in force, OGAI payment gate live", "status": "in-force" } ], "methodPages": [] } }, { "iso2": "PH", "market": "Philippines", "region": "Asia", "dominantRailFamily": "wallet", "dominantMethods": [ "GCash" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "PHP", "regulator": { "name": "Philippine Amusement and Gaming Corporation", "abbr": "PAGCOR", "url": "https://www.pagcor.ph" }, "tax": "Effective 30% for e-casino operators, 20% for the rest", "licence": "Monthly Minimum Guaranteed Fee from 1 Jun 2026 (deferred from 1 Apr): PHP9m at PHP30m e-casino GGR, PHP3m at PHP15m otherwise", "enforcementReaches": null, "factsVerified": "2026-07-31", "regulatoryNote": "PAGCOR-regulated for both domestic and offshore licensing, at an effective 30% for e-casino operators and 20% for the rest. The 2026 change is structural. PAGCOR introduced a monthly Minimum Guaranteed Fee to stop operators from misdeclaring revenue, then deferred it from 1 April to 1 June 2026 citing economic conditions. In the first tranche an e-casino licensee with PHP30m of monthly GGR owes PHP9m, while a non-e-casino operator at PHP15m owes PHP3m. A floor on fees rather than a share of declared revenue favours scale, and consolidation is the expected result. Wallets carry the cashier, GCash first.", "methods": [ { "name": "GCash", "type": "wallet", "importance": "dominant", "note": "Default deposit/withdrawal wallet; direct integration drives cost/approval." }, { "name": "Maya (PayMaya)", "type": "wallet", "importance": "major", "note": "The number two wallet behind GCash. Worth carrying for coverage, though GCash is what decides conversion." }, { "name": "InstaPay / PESONet bank transfer", "type": "instant-bank/RTP", "importance": "major", "note": "Central-bank rails, InstaPay real-time and PESONet in batches. The fallback when wallet limits bite, and the usual route for larger withdrawals." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [ { "slug": "help2pay", "name": "Help2Pay", "access": "aggregated", "evidence": "named-clients" }, { "slug": "astropay", "name": "AstroPay", "access": "wallet", "evidence": "industry-known" }, { "slug": "bridgerpay", "name": "BridgerPay", "access": "via-psp", "evidence": "provider-stated" }, { "slug": "finera", "name": "Finera", "access": "via-psp", "evidence": "provider-stated" }, { "slug": "nuvei", "name": "Nuvei", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "praxis-tech", "name": "Praxis Tech", "access": "via-psp", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "ID", "market": "Indonesia", "region": "Asia", "dominantRailFamily": "bank-transfer", "dominantMethods": [ "Bank VA (BCA/Mandiri/BNI/BRI)" ], "status": { "sportsbook": "offshore", "casino": "offshore" }, "currency": "IDR", "regulator": { "name": "No gambling regulator; Komdigi blocks with OJK, Bank Indonesia and the banks" }, "tax": null, "licence": null, "enforcementReaches": [ "isp", "payment" ], "factsVerified": "2026-07-31", "regulatoryNote": "All gambling is illegal and Indonesia runs one of the most aggressive enforcement programmes anywhere. Komdigi blocked roughly 3.7 million gambling sites and pieces of content between October 2024 and July 2026. The campaign has since moved from domains to the financial plumbing, with more than 38,000 bank accounts tied to gambling suspended and Komdigi, the financial regulator OJK, Bank Indonesia, the banks themselves and law enforcement all working the same file. Virtual accounts and QRIS are what players actually use, so an operator's problem is not rail availability but account survival. Treat any Indonesian capability as offshore-only and legally exposed, never as licensed.", "methods": [ { "name": "Bank VA (BCA/Mandiri/BNI/BRI)", "type": "bank-transfer", "importance": "dominant", "note": "Virtual-account transfers are the core deposit rail." }, { "name": "DANA / OVO / GoPay", "type": "wallet", "importance": "major", "note": "The three big Indonesian wallets; heavily used and heavily watched, since the 2026 crackdown works through the banks and payment providers behind them." }, { "name": "QRIS", "type": "instant-bank/RTP", "importance": "major", "note": "National QR standard, growing." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [ { "slug": "eeziepay", "name": "EeziePay", "access": "aggregated", "evidence": "named-clients" }, { "slug": "help2pay", "name": "Help2Pay", "access": "aggregated", "evidence": "named-clients" }, { "slug": "finera", "name": "Finera", "access": "via-psp", "evidence": "provider-stated" }, { "slug": "mifinity", "name": "MiFinity", "access": "wallet", "evidence": "provider-stated" }, { "slug": "nuvei", "name": "Nuvei", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "TH", "market": "Thailand", "region": "Asia", "dominantRailFamily": "instant-bank", "dominantMethods": [ "PromptPay" ], "status": { "sportsbook": "offshore", "casino": "offshore" }, "currency": "THB", "regulator": { "name": "No gambling regulator; enforcement by the Royal Thai Police with the Anti-Money Laundering Office" }, "tax": null, "licence": null, "enforcementReaches": [ "isp", "payment" ], "factsVerified": "2026-07-31", "regulatoryNote": "Gambling is illegal and the regulated-casino bill has stalled, so Thais are served offshore while enforcement runs at industrial scale. The Royal Thai Police blocked 717,425 gambling URLs between October 2025 and May 2026, and the Anti-Money Laundering Office freezes and seizes assets tied to gambling networks, with a mule-account sweep around the World Cup taking down more than 4,500 sites. That pressure has pushed operators off simple mule accounts and onto corporate accounts, PayPal, cross-border intermediaries and crypto. PromptPay is still what players reach for, so the deposit problem here is not acceptance but keeping a collection account alive.", "methods": [ { "name": "PromptPay", "type": "instant-bank/RTP", "importance": "dominant", "note": "National instant transfer (phone/ID), the default deposit rail." }, { "name": "Bank transfer (SCB/Kasikorn/Bangkok Bank)", "type": "bank-transfer", "importance": "major", "note": "Manual transfers from the big three retail banks, used when PromptPay collection accounts are frozen; slow, and the account is the point of failure." }, { "name": "TrueMoney", "type": "wallet", "importance": "major", "note": "The main Thai wallet, widely held and topped up in cash at convenience stores, which makes it useful for players without a clean bank route." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [ { "slug": "eeziepay", "name": "EeziePay", "access": "aggregated", "evidence": "named-clients" }, { "slug": "help2pay", "name": "Help2Pay", "access": "aggregated", "evidence": "named-clients" }, { "slug": "bridgerpay", "name": "BridgerPay", "access": "via-psp", "evidence": "provider-stated" }, { "slug": "nuvei", "name": "Nuvei", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "VN", "market": "Vietnam", "region": "Asia", "dominantRailFamily": "instant-bank", "dominantMethods": [ "Bank transfer / VietQR" ], "status": { "sportsbook": "offshore", "casino": "offshore" }, "currency": "VND", "regulator": { "name": "No gambling regulator for foreign-facing online play; banking oversight sits with the State Bank of Vietnam" }, "tax": null, "licence": null, "enforcementReaches": [ "isp", "payment" ], "factsVerified": "2026-07-31", "regulatoryNote": "Gambling is barred for locals with narrow exceptions, so the market is served offshore and the binding constraint is financial rather than legal. Vietnamese banks screen and block transactions flagged as gambling, and the wallets police it themselves: MoMo, ZaloPay, ViettelMoney and ShopeePay all prohibit gambling transactions and suspend accounts that carry them. The Ministry of Information and Communications publishes a blacklist for ISPs to block, running to 904 sites flagged for promoting gambling and betting, and has pressed the State Bank of Vietnam to stop payment intermediaries serving unlicensed operators. Enforcement follows the money across borders too, with police dismantling a Laos-based payment network in June 2026 that had moved VND4tn, about $152m, for Vietnamese players. Local rails do appear at offshore sites, but through intermediaries rather than any clean direct integration.", "methods": [ { "name": "Bank transfer / VietQR", "type": "instant-bank/RTP", "importance": "dominant", "note": "The national QR standard on bank rails and the main deposit route, though banks screen for gambling, so offshore flows ride collector accounts rather than a named merchant." }, { "name": "MoMo", "type": "wallet", "importance": "major", "note": "The largest Vietnamese wallet, and its own terms prohibit gambling transactions with account suspension as the penalty; presence in a cashier reflects the intermediary, not a sanctioned integration." }, { "name": "ZaloPay / ViettelMoney", "type": "wallet", "importance": "major", "note": "Same posture as MoMo: widely held, formally closed to gambling, reachable only through intermediaries." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [ { "slug": "truepay", "name": "TruePay", "access": "aggregated", "evidence": "named-clients" }, { "slug": "help2pay", "name": "Help2Pay", "access": "aggregated", "evidence": "industry-known" }, { "slug": "eeziepay", "name": "EeziePay", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "nuvei", "name": "Nuvei", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "MY", "market": "Malaysia", "region": "Asia", "dominantRailFamily": "instant-bank", "dominantMethods": [ "FPX" ], "status": { "sportsbook": "offshore", "casino": "offshore" }, "currency": "MYR", "regulator": { "name": "No gambling regulator; MCMC blocks under the Communications and Multimedia Act 1998 and the Online Safety Act 2025", "abbr": "MCMC" }, "tax": null, "licence": null, "enforcementReaches": [ "isp" ], "factsVerified": "2026-07-31", "regulatoryNote": "Gambling is restricted and illegal for Muslims, so the market runs offshore and the state's answer is takedown volume rather than licensing. MCMC blocked 1,778 gambling sites and removed 457,562 pieces of gambling content between the start of 2025 and the end of May 2026, working from the Communications and Multimedia Act 1998 and the newer Online Safety Act 2025. FPX carries deposits because it is the bank-transfer standard every Malaysian bank supports, and offshore operators reach it through aggregators rather than directly.", "methods": [ { "name": "FPX", "type": "instant-bank/RTP", "importance": "dominant", "note": "Online bank-transfer standard across MY banks; core deposit rail." }, { "name": "Touch 'n Go eWallet / DuitNow", "type": "wallet", "importance": "major", "note": "The dominant wallet paired with the national DuitNow transfer scheme; strong consumer reach, but neither is open to gambling merchants directly." }, { "name": "Maybank2u / bank transfer", "type": "bank-transfer", "importance": "major", "note": "Straight bank transfer from the largest retail bank, the fallback when FPX routing is unavailable." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [ { "slug": "eeziepay", "name": "EeziePay", "access": "aggregated", "evidence": "named-clients" }, { "slug": "help2pay", "name": "Help2Pay", "access": "aggregated", "evidence": "named-clients" }, { "slug": "truepay", "name": "TruePay", "access": "aggregated", "evidence": "named-clients" }, { "slug": "bridgerpay", "name": "BridgerPay", "access": "via-psp", "evidence": "provider-stated" }, { "slug": "nuvei", "name": "Nuvei", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "JP", "market": "Japan", "region": "Asia", "dominantRailFamily": "bank-transfer", "dominantMethods": [ "Bank transfer" ], "status": { "sportsbook": "offshore", "casino": "offshore" }, "currency": "JPY", "regulator": null, "tax": null, "licence": null, "enforcementReaches": null, "factsVerified": null, "regulatoryNote": "Online casino illegal; offshore/grey.", "methods": [ { "name": "Bank transfer", "type": "bank-transfer", "importance": "dominant", "note": null }, { "name": "PayPay", "type": "wallet", "importance": "major", "note": null }, { "name": "Konbini (convenience-store cash)", "type": "voucher/cash", "importance": "minor", "note": null } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [ { "slug": "nuvei", "name": "Nuvei", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "US", "market": "United States", "region": "North America", "dominantRailFamily": "bank-transfer", "dominantMethods": [ "ACH / eCheck (incl. VIP Preferred)" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "USD", "regulator": { "name": "No federal regulator; each state licenses separately (NJ DGE, PGCB, MGCB and peers)" }, "tax": "Set per state: 22.25% of online-casino GGR in New Jersey to 54% in Pennsylvania", "licence": "State by state; no federal route", "enforcementReaches": [ "payment" ], "factsVerified": "2026-07-31", "regulatoryNote": "Regulated state by state with no federal licensing route. Online casino is live in roughly seven states including New Jersey, Pennsylvania, Michigan, West Virginia and Connecticut, while sports betting runs in thirty-plus. Rates are set locally and the spread is enormous, from 22.25% of online-casino GGR in New Jersey to 54% in Pennsylvania. A provider must hold the relevant state licences; offshore foreign acquiring is not a shortcut here, it is simply non-compliant. The federal layer that does bite is financial: UIGEA and its implementing Regulation GG require payment systems and financial institutions to identify and block restricted gambling transactions, which is why US decline rates and MCC 7995 handling are a design problem rather than an optimization.", "methods": [ { "name": "ACH / eCheck (incl. VIP Preferred)", "type": "bank-transfer", "importance": "dominant", "note": "Core deposit/withdrawal rail; VIP Preferred (Pavilion Payments) is the dominant ACH/eCheck product behind major sportsbooks." }, { "name": "Play+ (prepaid)", "type": "local-card", "importance": "major", "note": "Sightline's gaming-specific prepaid; widely embedded." }, { "name": "PayNearMe (cash + multi-rail)", "type": "other", "importance": "major", "note": "Cash-at-retail + ACH/cards/wallets orchestration for US operators." }, { "name": "Online banking / Trustly", "type": "instant-bank/RTP", "importance": "major", "note": "Pay-by-bank at licensed operators. Declines run lower than on cards because it sidesteps the issuer-side gambling block entirely." }, { "name": "Debit cards / Apple Pay / Google Pay / PayPal / Venmo", "type": "local-card", "importance": "major", "note": "Available but decline-prone. Issuers layer their own gambling policy on top of Regulation GG, so approval rates vary more by bank than by processor." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "checkout-com", "name": "Checkout.com", "evidence": "named-clients", "methods": [ "Debit cards / Apple Pay / Google Pay", "Network tokens (card-on-file for recurring deposits)" ] }, { "slug": "nuvei", "name": "Nuvei", "evidence": "named-clients", "methods": [ "ACH / eCheck (incl. VIP Preferred)", "Play+ (prepaid)", "PayNearMe (cash + multi-rail)", "Online banking / Trustly" ] }, { "slug": "pavilion-payments", "name": "Pavilion Payments", "evidence": "named-clients", "methods": [ "VIP Preferred ACH / eCheck", "VIP Preferred Online Banking", "SameDay ACH", "Real-Time Payments (RTP)" ] }, { "slug": "paynearme", "name": "PayNearMe", "evidence": "named-clients", "methods": [ "Cash at retail (62,000+ locations: 7-Eleven, Walgreens, CVS, Walmart, Dollar General, Kroger, Casey's, Family Dollar)", "ACH / eCheck", "Debit cards", "Push-to-debit payouts (Visa Direct / Mastercard Send)" ] }, { "slug": "paysafe", "name": "Paysafe", "evidence": "named-clients", "methods": [ "ACH / eCheck", "Pay by Bank (online banking)", "Skrill", "PayNearMe-style cash" ] }, { "slug": "pxp-financial", "name": "PXP Financial", "evidence": "named-clients", "methods": [ "ACH / eCheck (VIP Preferred)", "Play+ (prepaid)", "Online banking / Trustly", "Debit cards / Apple Pay / Google Pay / PayPal" ] }, { "slug": "worldpay", "name": "Worldpay", "evidence": "named-clients", "methods": [ "ACH / eCheck", "RTP instant bank", "paysafecard / Skrill / Neteller (via Paysafe partnership)", "push-to-card payouts" ] }, { "slug": "interchecks", "name": "Interchecks", "evidence": "provider-stated", "methods": [ "Push to Card (Visa Direct / Mastercard Send)", "Real-Time Payments (The Clearing House)", "ACH", "PayPal / Venmo payouts" ] }, { "slug": "yaspa", "name": "Yaspa", "evidence": "provider-stated", "methods": [ "ACH / eCheck (Guaranteed ACH)" ] } ], "aggregated": [ { "slug": "aeropay", "name": "Aeropay", "access": "open-banking", "evidence": "named-clients" }, { "slug": "sightline-payments", "name": "Sightline Payments", "access": "wallet", "evidence": "named-clients" }, { "slug": "trustly", "name": "Trustly", "access": "open-banking", "evidence": "named-clients" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [ "/methods/vip-preferred" ] } }, { "iso2": "CA", "market": "Canada", "region": "North America", "dominantRailFamily": "instant-bank", "dominantMethods": [ "Interac e-Transfer" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "CAD", "regulator": { "name": "Alcohol and Gaming Commission of Ontario, plus the AGLC in Alberta", "abbr": "AGCO / AGLC", "url": "https://www.agco.ca" }, "tax": "Ontario and Alberta: ~20% of revenue to the provincial corporation (contractual, not a tax)", "licence": "Ontario: AGCO registration plus CAD100,000 per gaming site annually. Alberta: open since 13 Jul 2026, 50 registered operators. Other provinces are lottery monopolies", "enforcementReaches": null, "factsVerified": "2026-07-31", "regulatoryNote": "Two provinces now run competitive private markets. Ontario came first: operators register with the AGCO, contract with iGaming Ontario, hand over roughly 20% of Ontario revenue and pay a CAD100,000 annual regulatory fee for each gaming site. Alberta followed on 13 July 2026 under the Alberta iGaming Corporation and the AGLC, opening with more than 15 brands live on day one against 50 registered operators, on a comparable revenue share, with centralised self-exclusion from launch and no payment-method rules written into the standards. Everywhere else the provincial lottery corporation is the only legal channel and offshore sites sit in a grey zone nobody prosecutes. Interac is the through-line in every province, and direct Interac acquiring rather than a reseller relationship is what decides approval rates and payout speed.", "methods": [ { "name": "Interac e-Transfer", "type": "instant-bank/RTP", "importance": "dominant", "note": "The Canadian default deposit/withdrawal rail; direct Interac acquiring (vs reseller) drives approval/payout." }, { "name": "Interac Online / iDebit / InstaDebit", "type": "instant-bank/RTP", "importance": "major", "note": "Older Interac-adjacent routes still carried for coverage, though e-Transfer has taken most of the volume." }, { "name": "Debit / Visa Debit", "type": "local-card", "importance": "minor", "note": "Works, but secondary. Canadians default to Interac, and declines on gambling MCCs are common enough to matter." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "emerchantpay", "name": "emerchantpay", "evidence": "named-clients", "methods": [ "Interac e-Transfer (in + out)", "Interac Online / online-banking pay-in", "eCashout (ACH payout)" ] }, { "slug": "gigadat", "name": "Gigadat", "evidence": "named-clients", "methods": [ "Interac e-Transfer", "Interac e-Transfer Request Money" ] }, { "slug": "nuvei", "name": "Nuvei", "evidence": "named-clients", "methods": [ "Interac e-Transfer", "Interac Online / iDebit / InstaDebit", "Debit / Visa Debit" ] }, { "slug": "paramount-commerce", "name": "Paramount Commerce", "evidence": "named-clients", "methods": [ "Interac e-Transfer", "Instant Bank Transfer (PayDirect / EFT)", "INSTADEBIT", "iDebit" ] }, { "slug": "payper", "name": "Payper", "evidence": "industry-known", "methods": [ "Interac e-Transfer", "Online Banking (enhanced EFT)", "Digital Cheque (EFT)", "EFT Direct Deposit (payout)" ] }, { "slug": "paysafe", "name": "Paysafe", "evidence": "provider-stated", "methods": [ "Interac e-Transfer", "Skrill", "paysafecard/Paysafecash" ] }, { "slug": "worldpay", "name": "Worldpay", "evidence": "provider-stated", "methods": [ "Interac e-Transfer / Interac", "EFT" ] } ], "aggregated": [ { "slug": "finera", "name": "Finera", "access": "via-psp", "evidence": "provider-stated" }, { "slug": "mifinity", "name": "MiFinity", "access": "wallet", "evidence": "provider-stated" }, { "slug": "noda", "name": "Noda", "access": "open-banking", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [ "/interac-e-transfer-canadian-igaming", "/alberta-igaming-launch-payments" ], "deadlines": [ { "date": "2026-07-13", "title": "Alberta opened to private operators", "status": "in-force" } ], "methodPages": [] } }, { "iso2": "BD", "market": "Bangladesh", "region": "South Asia", "dominantRailFamily": "wallet", "dominantMethods": [ "bKash" ], "status": { "sportsbook": "banned-processing", "casino": "banned-processing" }, "currency": "BDT", "regulator": null, "tax": null, "licence": null, "enforcementReaches": null, "factsVerified": null, "regulatoryNote": "Cyber Security Act 2025 bans online betting AND bars PSPs/banks from processing it, but offshore cricket/casino books (BetVisa, Baji, Krikya) serve a huge BDT base. No gambling-MCC merchant API exists — everything runs through P2P agent numbers + local orchestrators settling operators in USDT. Whoever controls the agent/aggregator float controls the market.", "methods": [ { "name": "bKash", "type": "wallet", "importance": "dominant", "note": "60%+ of BD P2P; default betting rail via agent numbers (send-money + txn ID). Agent-inventory depth is the differentiator." }, { "name": "Nagad", "type": "wallet", "importance": "major", "note": "State-affiliated #2; same agent/P2P routing; agent numbers rotated frequently." }, { "name": "Rocket (DBBL)", "type": "wallet", "importance": "minor", "note": "Fallback when bKash/Nagad agents get frozen." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "PK", "market": "Pakistan", "region": "South Asia", "dominantRailFamily": "wallet", "dominantMethods": [ "Easypaisa", "JazzCash" ], "status": { "sportsbook": "offshore", "casino": "offshore" }, "currency": "PKR", "regulator": null, "tax": null, "licence": null, "enforcementReaches": null, "factsVerified": null, "regulatoryNote": "Gambling banned, no licensing; sites IP-blocked but players not prosecuted; offshore books (1xBet, Mostbet) serve a large cricket-betting base. >PKR 50k flags FIA/AML, so operators split deposits and cycle agent numbers — resilient aggregator agent inventory is the whole game.", "methods": [ { "name": "Easypaisa", "type": "wallet", "importance": "dominant", "note": "Primary PKR betting rail via agent/P2P; no gambling merchant access." }, { "name": "JazzCash", "type": "wallet", "importance": "dominant", "note": "~48M users, co-leads; 2025 mass agent detentions/freezes." }, { "name": "Bank transfer / Raast", "type": "instant-bank/RTP", "importance": "major", "note": "SBP instant rail for bigger amounts; routes bank-to-personal-account or USDT bridge." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "NP", "market": "Nepal", "region": "South Asia", "dominantRailFamily": "wallet", "dominantMethods": [ "eSewa" ], "status": { "sportsbook": "banned-processing", "casino": "banned-processing" }, "currency": "NPR", "regulator": null, "tax": null, "licence": null, "enforcementReaches": null, "factsVerified": null, "regulatoryNote": "Gambling banned for locals (except national lottery); NRB orders PSPs (eSewa/Khalti) to FREEZE gambling-linked accounts under FATF pressure, 200+ apps blocked — but offshore books still onboard via local wallets. Surviving the freeze cycle is the operational moat.", "methods": [ { "name": "eSewa", "type": "wallet", "importance": "dominant", "note": "#1 wallet; NRB directs gambling-account freezes; deposits via P2P agents + USDT bridge." }, { "name": "Khalti", "type": "wallet", "importance": "major", "note": "Same agent/P2P pattern + freeze exposure; kept for redundancy." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "LK", "market": "Sri Lanka", "region": "South Asia", "dominantRailFamily": "mixed", "dominantMethods": [], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "LKR", "regulator": null, "tax": null, "licence": null, "enforcementReaches": null, "factsVerified": null, "regulatoryNote": "GRA Act No.17 of 2025 in force Dec 2025; regulator fully operational by Jun 30 2026; digital gambling licence now required — mid-2026 is a live transition grey/offshore → licensed LKR-only.", "methods": [ { "name": "LankaQR", "type": "instant-bank/RTP", "importance": "major", "note": "Central-bank national QR (LankaPay); the rail licensed operators will use for LKR-only AML-traceable acceptance." }, { "name": "eZ Cash", "type": "wallet", "importance": "major", "note": "Dialog mobile money, no bank account needed." }, { "name": "Local cards / bank transfer (CEFTS)", "type": "bank-transfer", "importance": "major", "note": null } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "KH", "market": "Cambodia", "region": "Southeast Asia", "dominantRailFamily": "instant-bank", "dominantMethods": [ "Bakong / KHQR", "ABA PAY" ], "status": { "sportsbook": "banned-processing", "casino": "banned-processing" }, "currency": "KHR / USD", "regulator": null, "tax": null, "licence": null, "enforcementReaches": null, "factsVerified": null, "regulatoryNote": "Online gambling banned since 2019; GMC regulates land-based only; offshore sites openly target Cambodian players. Deposits route through personal Bakong/KHQR accounts + agents bridging KHR/USD to USDT — interoperability makes agent routing easy, compliance makes direct acquiring impossible.", "methods": [ { "name": "Bakong / KHQR", "type": "instant-bank/RTP", "importance": "dominant", "note": "Central-bank system, one QR across all banks/wallets; no gambling merchant route → personal accounts + USDT." }, { "name": "ABA PAY", "type": "instant-bank/RTP", "importance": "dominant", "note": "Leading retail bank app / KHQR issuer; funds USDT/Skrill chains to offshore books." }, { "name": "Wing Bank", "type": "wallet", "importance": "major", "note": "Agent-heavy cash-in/out for the unbanked." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [ { "slug": "help2pay", "name": "Help2Pay", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "MM", "market": "Myanmar", "region": "Southeast Asia", "dominantRailFamily": "wallet", "dominantMethods": [ "KBZPay", "Wave Money / WavePay" ], "status": { "sportsbook": "banned-processing", "casino": "banned-processing" }, "currency": "MMK", "regulator": null, "tax": null, "licence": null, "enforcementReaches": null, "factsVerified": null, "regulatoryNote": "Cybersecurity Law (Jan 2025) criminalizes unauthorised online gambling with extraterritorial reach; KBZ/Wave explicitly bar gambling — yet offshore Curacao books serve a ~95% mobile-only MMK base. Sanctions/instability push settlement to USDT; agent-network depth + freeze-resilience is everything.", "methods": [ { "name": "KBZPay", "type": "wallet", "importance": "dominant", "note": "Largest wallet; default MMK betting rail via agent cash-in/P2P despite anti-gambling terms." }, { "name": "Wave Money / WavePay", "type": "mobile-money", "importance": "dominant", "note": "Widest agent footprint, co-primary esp. rural." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [ { "slug": "help2pay", "name": "Help2Pay", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "CN", "market": "China (Mainland)", "region": "East Asia", "dominantRailFamily": "wallet", "dominantMethods": [ "Alipay", "WeChat Pay" ], "status": { "sportsbook": "banned-processing", "casino": "banned-processing" }, "currency": "CNY", "regulator": null, "tax": null, "licence": null, "enforcementReaches": null, "factsVerified": null, "regulatoryNote": "All online gambling illegal + PSPs barred from processing; offshore serves a massive grey market via account-renting/fourth-party 'runner' rails. Heavy 2026 crackdown (Feb 2026 multi-agency circular reaffirming the USDT ban + PBOC personal-vs-business rules). Direct acquiring impossible — the runner/aggregator network IS the product.", "methods": [ { "name": "Alipay", "type": "wallet", "importance": "dominant", "note": "Default wallet; no legit gambling acquiring — works only via 'runner'/fourth-party rented personal QR codes, swept to USDT." }, { "name": "WeChat Pay", "type": "wallet", "importance": "dominant", "note": "Co-dominant; same rented-QR/personal-account grey model." }, { "name": "UnionPay", "type": "local-card", "importance": "major", "note": "Covers ~every Chinese debit card; cross-border gambling MCCs blocked → mislabeled/domestic-routed acquiring." }, { "name": "Bank transfer to rented personal accounts", "type": "bank-transfer", "importance": "major", "note": "The actual settlement layer: leased personal accounts/QR pools → USDT. Pure aggregator/agent capability." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [ { "slug": "mifinity", "name": "MiFinity", "access": "wallet", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "KR", "market": "South Korea", "region": "East Asia", "dominantRailFamily": "bank-transfer", "dominantMethods": [ "Bank transfer via disposable virtual/mule accounts" ], "status": { "sportsbook": "banned-processing", "casino": "banned-processing" }, "currency": "KRW", "regulator": null, "tax": null, "licence": null, "enforcementReaches": [ "isp" ], "factsVerified": "2026-07-31", "regulatoryNote": "Illegal for nationals (extraterritorial liability); ISP blocking + bank screening mandatory; from Jan 2026 dealing with FSC-blacklisted accounts carries up to 3yr/KRW30m. Only state Sports Toto legal; large offshore segment runs on rotated mule accounts — surviving the freeze cycle is the game.", "methods": [ { "name": "Bank transfer via disposable virtual/mule accounts", "type": "bank-transfer", "importance": "dominant", "note": "Workhorse for offshore deposits; short-lived rotated accounts dodge FSC blacklisting. Agent-network speed is everything." }, { "name": "KakaoPay", "type": "wallet", "importance": "major", "note": "Leading wallet; pushes to agent accounts, never a real merchant ID." }, { "name": "Naver Pay", "type": "wallet", "importance": "major", "note": null } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "TW", "market": "Taiwan", "region": "East Asia", "dominantRailFamily": "bank-transfer", "dominantMethods": [ "Local bank transfer to operator-held TWD accounts" ], "status": { "sportsbook": "offshore", "casino": "offshore" }, "currency": "TWD", "regulator": null, "tax": null, "licence": null, "enforcementReaches": null, "factsVerified": null, "regulatoryNote": "No domestic online licensing, casino-style gambling banned (only state lotteries legal); residents served almost entirely by Chinese-language offshore operators. Banks refuse direct offshore-gambling funds, so local agent-held TWD accounts are decisive.", "methods": [ { "name": "Local bank transfer to operator-held TWD accounts", "type": "bank-transfer", "importance": "dominant", "note": "Operators' Taiwan payment agents hold domestic accounts so deposits look like P2P. Only operators with a local agent can offer this." }, { "name": "LINE Pay", "type": "wallet", "importance": "major", "note": "Near-universal everyday wallet; funnels to agent/local accounts." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "AU", "market": "Australia", "region": "Oceania", "dominantRailFamily": "instant-bank", "dominantMethods": [ "PayID (NPP/Osko instant transfer)" ], "status": { "sportsbook": "regulated", "casino": "offshore" }, "currency": "AUD", "regulator": null, "tax": null, "licence": null, "enforcementReaches": [ "isp" ], "factsVerified": "2026-07-31", "regulatoryNote": "IGA 2001 bans online casino/slots (sports/race betting licensed onshore, online casino offshore-only); credit cards banned for licensed wagering since Jun 2024 and issuer MCC 7995 blocking extends to offshore casinos — pushing players onto A2A rails.", "methods": [ { "name": "PayID (NPP/Osko instant transfer)", "type": "instant-bank/RTP", "importance": "dominant", "note": "Best-working AU offshore rail in 2026; shows as a P2P transfer to a PayID alias precisely because it's NOT direct gambling acquiring. Aggregator/alias capability is everything; withdrawals often bank-blocked." }, { "name": "Bank transfer (direct credit)", "type": "bank-transfer", "importance": "major", "note": "Fallback when PayID unavailable; not card-MCC-blocked." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "checkout-com", "name": "Checkout.com", "evidence": "named-clients", "methods": [ "Visa/Mastercard cards", "Apple Pay / Google Pay", "Network tokens" ] } ], "aggregated": [ { "slug": "primer", "name": "Primer", "access": "via-psp", "evidence": "industry-known" }, { "slug": "noda", "name": "Noda", "access": "open-banking", "evidence": "provider-stated" }, { "slug": "volt", "name": "Volt", "access": "open-banking", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "NZ", "market": "New Zealand", "region": "Oceania", "dominantRailFamily": "instant-bank", "dominantMethods": [ "POLi (online bank-login transfer)" ], "status": { "sportsbook": "monopoly", "casino": "offshore" }, "currency": "NZD", "regulator": null, "tax": null, "licence": null, "enforcementReaches": null, "factsVerified": null, "regulatoryNote": "Online Casino Gambling Act in force May 1 2026; from Jul 1 2026 only ~15 auctioned-licence providers may serve NZ (extraterritorial, NZ$5m penalties), credit-card gambling banned — 2026 transitions pure-offshore → small regulated.", "methods": [ { "name": "POLi (online bank-login transfer)", "type": "instant-bank/RTP", "importance": "dominant", "note": "Dead in AU but alive/reviving in NZ (Westpac/ASB); near-universal at NZ-facing casinos, deposit-only. Whether the processor still has working POLi links is the question." }, { "name": "Bank transfer (NZD direct credit)", "type": "bank-transfer", "importance": "major", "note": "Main payout rail; via local payment agents/accounts." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [] }, "relatedOnSite": { "articles": [], "deadlines": [ { "date": "2026-07-17", "title": "New Zealand: online casino licence race opens (EOI window)", "status": "in-force" }, { "date": "2026-12-01", "title": "New Zealand: licensed online casino market launches", "status": "upcoming" } ], "methodPages": [] } }, { "iso2": "TR", "market": "Turkey", "region": "MENA", "dominantRailFamily": "wallet", "dominantMethods": [ "Papara (TRY e-wallet)", "Havale / FAST bank transfer" ], "status": { "sportsbook": "offshore", "casino": "offshore" }, "currency": "TRY", "regulator": null, "tax": null, "licence": null, "enforcementReaches": null, "factsVerified": null, "regulatoryNote": "State monopoly (Iddaa/Spor Toto); all private/offshore real-money sites illegal but a huge grey market is offshore-served. Biggest crackdown in years 2025-26: Papara licence revoked Oct 2025 then state trusteeship + CBRT daily caps, MASAK probes, banks warning against account-sharing. Direct acquiring off the table — P2P/collector-account aggregators are the whole game.", "methods": [ { "name": "Papara (TRY e-wallet)", "type": "wallet", "importance": "dominant", "note": "Historically THE rail (with Havale ~80% of offshore flow); impaired/throttled in 2026 post-raid; deposits via P2P/collector accounts." }, { "name": "Havale / FAST bank transfer", "type": "instant-bank/RTP", "importance": "dominant", "note": "Manual TRY transfer into rotating collector accounts (Ziraat/Garanti/Akbank), matched by reference; ~a quarter of offshore deposits." }, { "name": "Paykasa / prepaid vouchers", "type": "voucher/cash", "importance": "major", "note": "Cash voucher codes that sidestep bank/wallet traceability." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [ { "slug": "praxis-tech", "name": "Praxis Tech", "access": "via-psp", "evidence": "industry-known" }, { "slug": "finera", "name": "Finera", "access": "via-psp", "evidence": "provider-stated" }, { "slug": "nuvei", "name": "Nuvei", "access": "unknown", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "EG", "market": "Egypt", "region": "MENA", "dominantRailFamily": "mobile-money", "dominantMethods": [ "Vodafone Cash / e& Cash" ], "status": { "sportsbook": "offshore", "casino": "offshore" }, "currency": "EGP", "regulator": { "name": "No gambling regulator; the Central Bank of Egypt tracks gambling-linked transactions" }, "tax": null, "licence": null, "enforcementReaches": [ "isp" ], "factsVerified": "2026-07-31", "regulatoryNote": "No domestic regulation and online betting is de facto illegal, yet Egyptians are actively served by offshore books, and 2026 is when the state began pushing back. Authorities started blocking access to betting sites and apps in February 2026, and parliament is preparing Cybercrime Law amendments that would criminalise online betting outright, with penalties reaching life imprisonment in the most serious cases. The Central Bank tracks gambling-linked transactions and banks are required to report suspicious ones. Enforcement stays light on players; the binding constraint is processing, reached through aggregators and collector accounts rather than any direct integration.", "methods": [ { "name": "Vodafone Cash / e& Cash", "type": "mobile-money", "importance": "dominant", "note": "Default local rail for offshore deposits via gateways/intermediaries." }, { "name": "InstaPay (IPN)", "type": "instant-bank/RTP", "importance": "major", "note": "CBE instant rail; P2P/collector-account matching." }, { "name": "Fawry", "type": "voucher/cash", "importance": "major", "note": "Huge cash/agent network for the unbanked." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [ { "slug": "cellulant", "name": "Cellulant", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "ebanx", "name": "EBANX", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "flutterwave", "name": "Flutterwave", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "nuvei", "name": "Nuvei", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "MA", "market": "Morocco", "region": "MENA", "dominantRailFamily": "voucher-cash", "dominantMethods": [ "Cash networks (Cash Plus, Wafacash, Barid Cash)" ], "status": { "sportsbook": "monopoly", "casino": "offshore" }, "currency": "MAD", "regulator": null, "tax": null, "licence": null, "enforcementReaches": [ "isp" ], "factsVerified": "2026-07-31", "regulatoryNote": "MDJS sports-betting monopoly (run via Sisal); online casino/poker illegal. Offshore persists (Jan 2026 ISP-block suspended on appeal Feb 2026); 32% at-source withholding on offshore winnings via payment intermediaries.", "methods": [ { "name": "Cash networks (Cash Plus, Wafacash, Barid Cash)", "type": "voucher/cash", "importance": "dominant", "note": "Backbone of a cash, low-card-penetration market; offshore funding via agents." }, { "name": "CMI bank cards (MAD)", "type": "local-card", "importance": "major", "note": "Domestic card acceptance centralized via CMI, which won't acquire gambling → aggregator workaround." }, { "name": "M-Wallet / Orange Money MA", "type": "mobile-money", "importance": "major", "note": null } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [ { "slug": "praxis-tech", "name": "Praxis Tech", "access": "via-psp", "evidence": "industry-known" }, { "slug": "ebanx", "name": "EBANX", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "AE", "market": "Gulf (UAE / Saudi)", "region": "MENA", "dominantRailFamily": "mixed", "dominantMethods": [], "status": { "sportsbook": "banned-processing", "casino": "banned-processing" }, "currency": "AED / SAR", "regulator": null, "tax": null, "licence": null, "enforcementReaches": null, "factsVerified": null, "regulatoryNote": "Online real-money gambling banned for residents across the GCC; bank transfers, domestic cards and wallets are firewalled from gambling by MCC blocks + intense AML. NO usable local fiat rail — real flow is crypto (out of scope) or foreign cards/intermediaries. Listed only because offshore operators do serve high-value Gulf players.", "methods": [ { "name": "No usable local fiat rail", "type": "other", "importance": "minor", "note": "Local rails blocked/AML-monitored for gambling; flow defaults to crypto or foreign-issued cards." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "SN", "market": "Senegal", "region": "Africa", "dominantRailFamily": "wallet", "dominantMethods": [ "Wave", "Orange Money" ], "status": { "sportsbook": "offshore", "casino": "offshore" }, "currency": "XOF", "regulator": { "name": "LONASE holds the betting monopoly; online has no formal licensing regime" }, "tax": "20% on player winnings; a mobile-money levy has been proposed", "licence": null, "enforcementReaches": [ "none" ], "factsVerified": "2026-07-31", "regulatoryNote": "LONASE holds the betting monopoly and online has never had formal licensing, so offshore brands such as 1xBet and 22Bet operate under foreign or technical-partner cover. Senegal's answer is not blocking but competition from the state: LONASE signed development partnerships in February 2026 and launched LPbet, its own online sportsbook, to pull activity onto a state platform. A 20% tax on winnings and a proposed mobile-money levy push volume the other way. Wave has become the default deposit rail on near-free P2P transfers with bank penetration under 30%, while Orange Money still has the reach but polices the gambling MCC, so aggregators bridge it at a cost in margin and risk.", "methods": [ { "name": "Wave", "type": "wallet", "importance": "dominant", "note": "Breakout near-free-P2P wallet, now default deposit rail; banks <30% penetration; direct integration affects fee/payout." }, { "name": "Orange Money", "type": "mobile-money", "importance": "dominant", "note": "Incumbent ~70%+ reach; polices gambling MCC, so aggregators bridge at margin/risk cost." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "cellulant", "name": "Cellulant", "evidence": "industry-known", "methods": [ "Wave", "Orange Money" ] }, { "slug": "flutterwave", "name": "Flutterwave", "evidence": "provider-stated", "methods": [ "Wave", "Orange Money" ] } ], "aggregated": [ { "slug": "ebanx", "name": "EBANX", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "nuvei", "name": "Nuvei", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "payretailers", "name": "PayRetailers", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "ZM", "market": "Zambia", "region": "Africa", "dominantRailFamily": "mobile-money", "dominantMethods": [ "Airtel Money", "MTN MoMo" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "ZMW", "regulator": { "name": "Betting Control Board", "abbr": "BCB" }, "tax": "5% levy on deposits and 5% on withdrawals (Betting Levy Act 27 of 2025, in force 1 Jan 2026); 15% withheld on winnings; betting excise suspended by SI 1 of 2026", "licence": null, "enforcementReaches": null, "factsVerified": "2026-07-31", "regulatoryNote": "Licensed by the Betting Control Board, with a tax base rebuilt at the start of 2026. The Betting Levy Act No. 27 of 2025 came into force on 1 January and charges 5% on money paid into a customer's gaming account and another 5% on money taken out, while Statutory Instrument No. 1 of 2026 suspended the excise duty on betting introduced only in September 2025. Withholding on winnings stays at 15%. Offshore brands including Betwinner and 22Bet serve alongside the licensed field. Airtel Money and MTN MoMo are co-dominant, and a direct merchant code is what earns biller approval and access to payout APIs.", "methods": [ { "name": "Airtel Money", "type": "mobile-money", "importance": "dominant", "note": "Widest network; default for most books; direct merchant code drives biller approval + payout APIs." }, { "name": "MTN MoMo", "type": "mobile-money", "importance": "dominant", "note": "Co-dominant, lower-fee (1-2%)." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "cellulant", "name": "Cellulant", "evidence": "industry-known", "methods": [ "Airtel Money", "MTN MoMo" ] }, { "slug": "flutterwave", "name": "Flutterwave", "evidence": "industry-known", "methods": [ "Airtel Money", "MTN MoMo" ] } ], "aggregated": [ { "slug": "ebanx", "name": "EBANX", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "nuvei", "name": "Nuvei", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "payretailers", "name": "PayRetailers", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "ZW", "market": "Zimbabwe", "region": "Africa", "dominantRailFamily": "mobile-money", "dominantMethods": [ "EcoCash" ], "status": { "sportsbook": "offshore", "casino": "offshore" }, "currency": "USD / ZWG", "regulator": null, "tax": null, "licence": null, "enforcementReaches": null, "factsVerified": null, "regulatoryNote": "Land-based licensed, online grey (no dedicated online licence); offshore (1xBet) operates freely, players not prosecuted; 2026 tax hikes (winnings 10→25%, GGR 3→20%) push offshore. USD is de facto settlement.", "methods": [ { "name": "EcoCash", "type": "mobile-money", "importance": "dominant", "note": "#1 betting rail; instant USD deposits ($1-5,000), USD withdrawals; EcoCash USD-wallet acceptance is the whole game." }, { "name": "InnBucks", "type": "wallet", "importance": "major", "note": "Fast-rising challenger, very fast USD payouts." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "cellulant", "name": "Cellulant", "evidence": "industry-known", "methods": [ "EcoCash" ] } ], "aggregated": [] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "RW", "market": "Rwanda", "region": "Africa", "dominantRailFamily": "mobile-money", "dominantMethods": [ "MTN MoMo" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "RWF", "regulator": { "name": "Rwanda Development Board, through its National Lottery and Gambling Commission", "abbr": "RDB / NLGC" }, "tax": "40% of GGR since Feb 2025 (13% before), plus 25% withheld on winnings", "licence": "Licensing reopened 1 Aug 2025 after a 13-month freeze", "enforcementReaches": null, "factsVerified": "2026-07-31", "regulatoryNote": "Licensed by the Rwanda Development Board through its National Lottery and Gambling Commission, which resumed issuing licences on 1 August 2025 after a thirteen-month freeze and cleared Betway, ElephantBet and ForteBet in July 2026. The cost of entry moved sharply: the GGR tax went from 13% to 40% in February 2025, with a further 25% withheld on player winnings. There is no domestic mobile-money levy in 2026, which matters more than it sounds, because mobile money is the entire cashier here and a direct MTN biller code is what drives gambling approval and payout reliability.", "methods": [ { "name": "MTN MoMo", "type": "mobile-money", "importance": "dominant", "note": "Largest wallet; default rail; direct biller code drives gambling approval + payout." }, { "name": "Airtel Money", "type": "mobile-money", "importance": "major", "note": "The number two wallet, added for redundancy against MTN rather than for reach of its own." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "cellulant", "name": "Cellulant", "evidence": "industry-known", "methods": [ "MTN MoMo", "Airtel Money" ] }, { "slug": "flutterwave", "name": "Flutterwave", "evidence": "industry-known", "methods": [ "MTN MoMo", "Airtel Money" ] } ], "aggregated": [ { "slug": "nuvei", "name": "Nuvei", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "payretailers", "name": "PayRetailers", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "MZ", "market": "Mozambique", "region": "Africa", "dominantRailFamily": "mobile-money", "dominantMethods": [ "M-Pesa (Vodacom)" ], "status": { "sportsbook": "regulated", "casino": "offshore" }, "currency": "MZN", "regulator": null, "tax": null, "licence": null, "enforcementReaches": null, "factsVerified": null, "regulatoryNote": "Sports betting licensed (Law 1/2010, IGJ local online licences, e.g. 888bet/Premier Bet); online casino lacks a dedicated regime; offshore also reaches players.", "methods": [ { "name": "M-Pesa (Vodacom)", "type": "mobile-money", "importance": "dominant", "note": "Center of betting flow; direct C2B/B2C integration drives biller approval + payout." }, { "name": "e-Mola (Movitel)", "type": "mobile-money", "importance": "major", "note": null } ], "providersWithRecordedAccess": { "direct": [ { "slug": "cellulant", "name": "Cellulant", "evidence": "industry-known", "methods": [ "M-Pesa (Vodacom)", "e-Mola (Movitel)" ] } ], "aggregated": [] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "AO", "market": "Angola", "region": "Africa", "dominantRailFamily": "instant-bank", "dominantMethods": [ "Multicaixa Express" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "AOA", "regulator": null, "tax": null, "licence": null, "enforcementReaches": null, "factsVerified": null, "regulatoryNote": "Regulated since 2020 (ISJ licenses online operators); regulator pushing toward centralized/traceable routing via Multicaixa; winnings tax-free.", "methods": [ { "name": "Multicaixa Express", "type": "instant-bank/RTP", "importance": "dominant", "note": "EMIS interbank app; dominant rail the regulator wants all betting routed through; direct EMIS acquiring critical." }, { "name": "Multicaixa card", "type": "local-card", "importance": "major", "note": "Sole domestic card scheme (Visa/MC rare on local issuance)." }, { "name": "Unitel Money", "type": "mobile-money", "importance": "major", "note": null } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [ { "slug": "cellulant", "name": "Cellulant", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "FR", "market": "France", "region": "Europe", "dominantRailFamily": "local-card", "dominantMethods": [ "Cartes Bancaires (CB)" ], "status": { "sportsbook": "regulated", "casino": "offshore" }, "currency": "EUR", "regulator": { "name": "Autorité Nationale des Jeux", "abbr": "ANJ", "url": "https://anj.fr" }, "tax": null, "licence": null, "enforcementReaches": null, "factsVerified": "2026-07-31", "regulatoryNote": "ANJ regulates online sports betting / horse racing / poker only; online casino/slots remain BANNED in 2026 (legalization push failed late 2025) — served offshore while ANJ pressures banks/PSPs to refuse unlicensed-gambling flows.", "methods": [ { "name": "Cartes Bancaires (CB)", "type": "local-card", "importance": "dominant", "note": "France's domestic card scheme (most FR Visa/MC are co-badged CB); banks increasingly 7995-block — an acquirer that routes CB dodging blocks is the game for offshore casino." }, { "name": "paysafecard", "type": "voucher/cash", "importance": "major", "note": "Anonymous prepaid cash voucher; go-to when banks block CB; deposit-only." }, { "name": "PayPal", "type": "wallet", "importance": "major", "note": "Buffer wallet to mask the merchant on bank statements." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "hipay", "name": "HiPay", "evidence": "named-clients", "methods": [ "Cartes Bancaires (Carte Bleue)" ] }, { "slug": "nuvei", "name": "Nuvei", "evidence": "provider-stated", "methods": [ "Cartes Bancaires (CB)", "paysafecard", "PayPal" ] } ], "aggregated": [ { "slug": "paysafe", "name": "Paysafe", "access": "wallet", "evidence": "industry-known" }, { "slug": "emerchantpay", "name": "emerchantpay", "access": "open-banking", "evidence": "provider-stated" }, { "slug": "noda", "name": "Noda", "access": "open-banking", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [ "/methods/paysafecard" ] } }, { "iso2": "BE", "market": "Belgium", "region": "Europe", "dominantRailFamily": "instant-bank", "dominantMethods": [ "Bancontact / Payconiq" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "EUR", "regulator": { "name": "Kansspelcommissie / Commission des jeux de hasard", "abbr": "Gaming Commission", "url": "https://www.gamingcommission.be" }, "tax": "11% of gross margin, set at the same level by all three regions", "licence": "Online licence must attach to a land-based licence, which caps operator numbers", "enforcementReaches": [ "isp" ], "factsVerified": "2026-07-31", "regulatoryNote": "Licensed by the Gaming Commission, and every online licence has to hang off a land-based one, which caps the operator count structurally. The three regions set the tax and have all landed on 11% of gross margin. Payments are tightly constrained: credit cards are banned for online gambling, and the 2025-26 rules default players to a EUR200 weekly deposit limit that can only be raised after a National Bank credit check. Enforcement today is the Commission's blacklist, which most Belgian ISPs honour; payment blocking is still at the agreement stage with the banking federation Febelfin rather than in force.", "methods": [ { "name": "Bancontact / Payconiq", "type": "instant-bank/RTP", "importance": "dominant", "note": "Near-universal domestic debit/mobile scheme; default deposit rail; local BE acquiring connectivity essential." }, { "name": "Bank transfer / SEPA", "type": "bank-transfer", "importance": "major", "note": "The withdrawal route, since Bancontact is deposit-weighted, and the practical fallback under the weekly deposit cap." }, { "name": "Maestro / debit cards", "type": "local-card", "importance": "major", "note": "Debit allowed (credit banned)." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "hipay", "name": "HiPay", "evidence": "named-clients", "methods": [ "Bancontact", "Bancontact Fast Deposit (HiPay-exclusive gaming rail)", "Bancontact Mobile/QR" ] }, { "slug": "adyen", "name": "Adyen", "evidence": "provider-stated", "methods": [ "Bancontact" ] }, { "slug": "emerchantpay", "name": "emerchantpay", "evidence": "provider-stated", "methods": [ "Bancontact", "Open Banking (A2A)", "SEPA Direct Debit" ] }, { "slug": "nuvei", "name": "Nuvei", "evidence": "provider-stated", "methods": [ "Bancontact / Payconiq", "Bank transfer / SEPA", "Debit Mastercard (ex-Maestro)" ] }, { "slug": "trust-payments", "name": "Trust Payments", "evidence": "provider-stated", "methods": [ "Bancontact" ] }, { "slug": "worldpay", "name": "Worldpay", "evidence": "provider-stated", "methods": [ "Bancontact / Payconiq" ] } ], "aggregated": [ { "slug": "mifinity", "name": "MiFinity", "access": "wallet", "evidence": "industry-known" }, { "slug": "noda", "name": "Noda", "access": "open-banking", "evidence": "provider-stated" }, { "slug": "ppro", "name": "PPRO", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "truelayer", "name": "TrueLayer", "access": "open-banking", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "GR", "market": "Greece", "region": "Europe", "dominantRailFamily": "instant-bank", "dominantMethods": [ "IRIS Payments" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "EUR", "regulator": { "name": "Hellenic Gaming Commission", "abbr": "HGC" }, "tax": "35% of GGR, charged after 20% corporate tax", "licence": "Seven-year licence, .gr operations", "enforcementReaches": [ "isp", "payment" ], "factsVerified": "2026-07-31", "regulatoryNote": "HGC-licensed under the 2020 framework, with .gr operations, seven-year licences and 35% of GGR in tax, charged after 20% corporate tax has already been applied. The market is mature and the deposit mix has moved decisively onto domestic instant payments. IRIS, the account-to-account rail DIAS operates across Alpha, National Bank, Eurobank and Piraeus, is the hero method, and reaching it means a local DIAS connection rather than a card integration. Enforcement runs on both layers: the HGC has blacklisted around 11,000 unlicensed sites for ISPs to block, and payment institutions are barred from processing transactions to or from accounts tied to those operators.", "methods": [ { "name": "IRIS Payments", "type": "instant-bank/RTP", "importance": "dominant", "note": "DIAS-operated A2A instant rail (Alpha/NBG/Eurobank/Piraeus); hero deposit method; local DIAS connection matters." }, { "name": "Viva Wallet / Viva.com", "type": "wallet", "importance": "major", "note": "Greek wallet + acquirer; local card acquiring advantage." }, { "name": "Greek bank cards (debit)", "type": "local-card", "importance": "major", "note": "Domestic debit issued by the four big banks; still standard at licensed sites, though IRIS has taken the deposit lead." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "okto", "name": "OKTO", "evidence": "named-clients", "methods": [ "OKTO.CASH (cash voucher)", "OKTO.WALLET (e-wallet)" ] } ], "aggregated": [ { "slug": "noda", "name": "Noda", "access": "open-banking", "evidence": "provider-stated" }, { "slug": "truelayer", "name": "TrueLayer", "access": "open-banking", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "IE", "market": "Ireland", "region": "Europe", "dominantRailFamily": "local-card", "dominantMethods": [ "Debit cards (Visa/Mastercard Debit)" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "EUR", "regulator": { "name": "Gambling Regulatory Authority of Ireland", "abbr": "GRAI" }, "tax": "2% betting duty on turnover, matched by a remote betting duty on operators serving Irish players", "licence": "First remote licences from 1 Jul 2026; in-person from Dec 2026; fee structure under review on a tiered basis", "enforcementReaches": null, "factsVerified": "2026-07-31", "regulatoryNote": "The Gambling Regulatory Authority of Ireland went live in 2026: applications opened in February, the first remote betting licences issue from 1 July 2026 with enforcement starting alongside them, and in-person licensing follows in December. Operators pay a 2% betting duty on turnover rather than on margin, and a matching remote betting duty catches foreign operators serving Irish players. The GRAI has said it will revisit its licence-fee structure on a tiered basis after industry pushback. Payments are drawn tightly: credit cards are banned outright and the ban reaches credit-funded e-wallets and buy-now-pay-later, so an acquirer has to enforce debit-only rather than merely prefer it.", "methods": [ { "name": "Debit cards (Visa/Mastercard Debit)", "type": "local-card", "importance": "dominant", "note": "Credit banned → debit acquiring is core; acquirer must enforce debit-only." }, { "name": "Apple Pay / Google Pay", "type": "wallet", "importance": "major", "note": "High penetration; tokenized debit." }, { "name": "PayPal", "type": "wallet", "importance": "major", "note": "Widely used and supports withdrawals, but the credit-card ban reaches credit-funded wallet balances too, so it has to be configured debit-only." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [ { "slug": "yaspa", "name": "Yaspa", "access": "open-banking", "evidence": "named-clients" }, { "slug": "emerchantpay", "name": "emerchantpay", "access": "open-banking", "evidence": "provider-stated" }, { "slug": "noda", "name": "Noda", "access": "open-banking", "evidence": "provider-stated" }, { "slug": "truelayer", "name": "TrueLayer", "access": "open-banking", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [ { "date": "2026-07-01", "title": "Ireland: first GRAI remote betting licences in force", "status": "in-force" }, { "date": "2027-01-01", "title": "Ireland: remote gaming (online casino) licensing phase", "status": "horizon" } ], "methodPages": [] } }, { "iso2": "AT", "market": "Austria", "region": "Europe", "dominantRailFamily": "instant-bank", "dominantMethods": [ "EPS (eps-Überweisung)" ], "status": { "sportsbook": "regulated", "casino": "monopoly" }, "currency": "EUR", "regulator": { "name": "Bundesministerium für Finanzen (no independent gambling authority before 2030)", "abbr": "BMF" }, "tax": null, "licence": "Monopoly today (win2day, concession expires 2027); draft law in consultation to 15 Jul 2026 would open uncapped five-year licences extendable by ten", "enforcementReaches": null, "factsVerified": "2026-07-31", "regulatoryNote": "Online casino is still a state monopoly through win2day, but Austria imposes no payment restrictions, so offshore MGA operators serve Austrians heavily and openly. That is about to change. The Finance Ministry's draft law, out for consultation until 15 July 2026, would keep lotteries monopolised while opening online casino to an uncapped number of licensees on five-year licences extendable by ten, with win2day's own concession expiring in 2027. An independent gambling authority may not exist until 2030, so the Finance Ministry would run licensing in the interim.", "methods": [ { "name": "EPS (eps-Überweisung)", "type": "instant-bank/RTP", "importance": "dominant", "note": "Austria's bank online-transfer standard; default local rail at both win2day and offshore; direct EPS connectivity helps." }, { "name": "Klarna / Sofort", "type": "instant-bank/RTP", "importance": "major", "note": "Pay-by-bank widely used at offshore casinos." }, { "name": "paysafecard", "type": "voucher/cash", "importance": "major", "note": "Austrian-origin prepaid, very high local adoption; deposit-only." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "pxp-financial", "name": "PXP Financial", "evidence": "industry-known", "methods": [ "EPS (eps-Ueberweisung)", "Sofort / Klarna", "paysafecard" ] }, { "slug": "adyen", "name": "Adyen", "evidence": "provider-stated", "methods": [ "EPS" ] }, { "slug": "emerchantpay", "name": "emerchantpay", "evidence": "provider-stated", "methods": [ "EPS (eps-Überweisung)", "Sofort/Klarna" ] }, { "slug": "nuvei", "name": "Nuvei", "evidence": "provider-stated", "methods": [ "EPS (eps-Uberweisung)", "Klarna / Sofort", "paysafecard" ] }, { "slug": "paysafe", "name": "Paysafe", "evidence": "provider-stated", "methods": [ "EPS", "paysafecard" ] }, { "slug": "trust-payments", "name": "Trust Payments", "evidence": "provider-stated", "methods": [ "EPS" ] } ], "aggregated": [ { "slug": "mifinity", "name": "MiFinity", "access": "wallet", "evidence": "industry-known" }, { "slug": "latpay", "name": "Latpay", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "noda", "name": "Noda", "access": "open-banking", "evidence": "provider-stated" }, { "slug": "ppro", "name": "PPRO", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "truelayer", "name": "TrueLayer", "access": "open-banking", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [ "/methods/paysafecard" ] } }, { "iso2": "CH", "market": "Switzerland", "region": "Europe", "dominantRailFamily": "instant-bank", "dominantMethods": [ "TWINT" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "CHF", "regulator": { "name": "Eidgenössische Spielbankenkommission for casinos, Gespa for lottery and betting", "abbr": "ESBK / Gespa" }, "tax": "From 20% of GGR up to CHF3m, scaling as high as 80%", "licence": "No standalone online licence: a Swiss land-based casino concession plus an online extension", "enforcementReaches": [ "isp" ], "factsVerified": "2026-07-31", "regulatoryNote": "A closed market by design. Under the 2019 Money Gaming Act only Swiss land-based casinos and the Gespa lottery and betting operators may run online, and there is no standalone online licence: a company needs a Swiss casino concession first and an online extension on top of it. Foreign operators are illegal and blocked: the ESBK and the intercantonal authority Gespa run a blacklist that passed 2,900 domains in February 2026 and now reaches affiliate sites, with ISPs required to DNS-filter and redirect to a government warning page. Tax starts at 20% of GGR up to CHF3m and scales from there, reaching as high as 80%. The combination leaves a small domestic field running on domestic rails, where TWINT is the default deposit method and the QR-bill bank transfer does the paying out.", "methods": [ { "name": "TWINT", "type": "instant-bank/RTP", "importance": "dominant", "note": "Ubiquitous bank-owned mobile A2A; default at all licensed Swiss casinos (deposit-only); domestic scheme needs direct local connectivity." }, { "name": "Swiss bank cards / PostFinance", "type": "local-card", "importance": "major", "note": "PostFinance is the largest domestic issuer and its card is what many Swiss players default to when TWINT is not offered." }, { "name": "Bank transfer (Swiss IBAN, QR-bill)", "type": "bank-transfer", "importance": "major", "note": "Primary withdrawal rail (TWINT is deposit-only)." } ], "providersWithRecordedAccess": { "direct": [ { "slug": "nuvei", "name": "Nuvei", "evidence": "named-clients", "methods": [ "TWINT", "PostFinance Pay", "Bank transfer (Swiss IBAN, QR-bill)" ] } ], "aggregated": [ { "slug": "yaspa", "name": "Yaspa", "access": "open-banking", "evidence": "named-clients" }, { "slug": "latpay", "name": "Latpay", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "BG", "market": "Bulgaria", "region": "Europe", "dominantRailFamily": "mixed", "dominantMethods": [], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "EUR", "regulator": null, "tax": null, "licence": null, "enforcementReaches": null, "factsVerified": null, "regulatoryNote": "NRA-licensed since 2020 (.bg, closed-loop payouts, GGR tax 25% from Jan 2026).", "methods": [ { "name": "ePay.bg", "type": "wallet", "importance": "major", "note": "Long-standing local e-payment/online-banking system." }, { "name": "EasyPay", "type": "voucher/cash", "importance": "major", "note": "Nationwide cash-counter network for the cash-preferring segment." }, { "name": "Bulgarian bank cards (Bcard/Borica)", "type": "local-card", "importance": "major", "note": null } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [ { "slug": "noda", "name": "Noda", "access": "open-banking", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "HR", "market": "Croatia", "region": "Europe", "dominantRailFamily": "wallet", "dominantMethods": [ "Aircash" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "EUR", "regulator": null, "tax": null, "licence": null, "enforcementReaches": [ "isp" ], "factsVerified": "2026-07-31", "regulatoryNote": "MoF-licensed (local company + servers required); 2026 reform added ad curfews, tiered winnings tax, self-exclusion register, bank-blocking of unlicensed operators.", "methods": [ { "name": "Aircash", "type": "wallet", "importance": "dominant", "note": "Croatian EMI wallet + voucher + prepaid Mastercard; top deposit method; direct integration matters." }, { "name": "KEKS Pay", "type": "instant-bank/RTP", "importance": "major", "note": "Erste-backed local A2A app." }, { "name": "CorvusPay / Croatian cards (SEPA Instant)", "type": "local-card", "importance": "major", "note": null } ], "providersWithRecordedAccess": { "direct": [ { "slug": "okto", "name": "OKTO", "evidence": "provider-stated", "methods": [ "OKTO.CASH (cash voucher)" ] } ], "aggregated": [] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "CZ", "market": "Czechia", "region": "Europe", "dominantRailFamily": "local-card", "dominantMethods": [ "Bank cards + Apple/Google Pay" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "CZK", "regulator": null, "tax": null, "licence": null, "enforcementReaches": [ "isp" ], "factsVerified": "2026-07-31", "regulatoryNote": "2017 Gambling Act, MoF-licensed (EU/EEA eligible); MoF runs IP + PAYMENT blocking of illegal operators; CZK 5,000 cap on CASH only.", "methods": [ { "name": "Bank cards + Apple/Google Pay", "type": "local-card", "importance": "dominant", "note": "Primary deposit rail; CZK-capable low-decline acquiring matters." }, { "name": "TrustPay", "type": "instant-bank/RTP", "importance": "major", "note": "EEA gateway with strong CZ/SK bank-transfer coverage in CZK." }, { "name": "Bank transfer (CZK)", "type": "bank-transfer", "importance": "major", "note": null } ], "providersWithRecordedAccess": { "direct": [ { "slug": "okto", "name": "OKTO", "evidence": "named-clients", "methods": [ "OKTO.CASH (cash voucher via Sazka POS)" ] } ], "aggregated": [ { "slug": "nuvei", "name": "Nuvei", "access": "aggregated", "evidence": "named-clients" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "EE", "market": "Estonia", "region": "Europe", "dominantRailFamily": "instant-bank", "dominantMethods": [ "Estonian bank links (Swedbank / SEB / LHV / Luminor)" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "EUR", "regulator": null, "tax": null, "licence": null, "enforcementReaches": [ "isp" ], "factsVerified": "2026-07-31", "regulatoryNote": "EMTA (Estonian Tax and Customs Board)-licensed online iGaming (activity licence + operating permit). 2026 Gambling Act amendment (in force Jan 1 2026): remote bets must be received only through an EEA-licensed credit/payment/EMI/crypto-asset institution, and payouts only to the SAME account used to deposit (closed-loop AML). ISP + financial blocking of unlicensed sites.", "methods": [ { "name": "Estonian bank links (Swedbank / SEB / LHV / Luminor)", "type": "instant-bank/RTP", "importance": "dominant", "note": "~50% of deposits; instant bank-link/redirect to the player's domestic bank, free for Estonian accounts; closed-loop same-account payout rule means the acquirer must settle through an EEA-licensed institution, not an offshore aggregator." }, { "name": "Trustly (Pay N Play)", "type": "instant-bank/RTP", "importance": "major", "note": "Open-banking/PSD2 A2A across all major EE banks; powers the no-registration Pay N Play deposit+KYC+payout flow Estonians expect; instant deposits, same-day withdrawals." }, { "name": "Bank cards (Estonian-issued Visa/Mastercard debit)", "type": "local-card", "importance": "major", "note": "Standard card acquiring on EMTA-licensed sites; commodity rail vs the bank-link/Trustly spine." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [ { "slug": "trustly", "name": "Trustly", "access": "open-banking", "evidence": "industry-known" }, { "slug": "zimpler", "name": "Zimpler", "access": "open-banking", "evidence": "industry-known" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "SG", "market": "Singapore", "region": "Asia", "dominantRailFamily": "instant-bank", "dominantMethods": [ "PayNow" ], "status": { "sportsbook": "monopoly", "casino": "monopoly" }, "currency": "SGD", "regulator": null, "tax": null, "licence": null, "enforcementReaches": null, "factsVerified": null, "regulatoryNote": "Gambling Regulatory Authority (GRA, formed 2022) under the Gambling Control Act 2022 / Remote Gambling regime. Singapore Pools is the ONLY licensed remote operator (state monopoly) for both betting/lottery AND any legal online play; ALL other online casino/sportsbook is unlicensed and illegal to use (fines to SGD 200k, up to 5yr) - so private demand is served offshore. No pathway for offshore operators to license.", "methods": [ { "name": "PayNow", "type": "instant-bank/RTP", "importance": "dominant", "note": "ABS bank-consortium instant A2A (phone/NRIC/UEN proxy); the default local deposit rail at offshore-facing sites, routed P2P to collector/agent accounts since there is no gambling merchant route; bank-consortium scheme not every PSP can resell." }, { "name": "eNETS / NETS", "type": "instant-bank/RTP", "importance": "major", "note": "NETS domestic debit/online (eNETS) consortium owned by the local banks; closed Singapore scheme requiring a local NETS relationship - offshore casinos reach it only via intermediaries." }, { "name": "FAST bank transfer", "type": "instant-bank/RTP", "importance": "major", "note": "MAS/ABS real-time SGD interbank rail; the standard near-instant WITHDRAWAL channel; clears in minutes to a Singapore bank account." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [ { "slug": "eeziepay", "name": "EeziePay", "access": "aggregated", "evidence": "named-clients" }, { "slug": "truepay", "name": "TruePay", "access": "aggregated", "evidence": "named-clients" }, { "slug": "help2pay", "name": "Help2Pay", "access": "aggregated", "evidence": "industry-known" }, { "slug": "latpay", "name": "Latpay", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "LV", "market": "Latvia", "region": "Europe", "dominantRailFamily": "local-card", "dominantMethods": [ "Bank cards (Latvian-issued Visa/Mastercard)" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "EUR", "regulator": null, "tax": null, "licence": null, "enforcementReaches": [ "isp" ], "factsVerified": "2026-07-31", "regulatoryNote": "IAUI (Lotteries & Gambling Supervisory Inspection)-licensed online iGaming; IAUI merges into the State Revenue Service (SRS) Apr 1 2026; interactive-gambling tax rises 12%->15% in 2026. License requires a Latvia-registered JSC with >=EUR 1.4M capital and >51% local ownership; players register a bank account; banks/PSPs must block blacklisted operators - only locally-licensed acquiring serves the regulated market.", "methods": [ { "name": "Bank cards (Latvian-issued Visa/Mastercard)", "type": "local-card", "importance": "dominant", "note": "~45% of deposits; instant; the most-used instrument on licensed .lv sites; commodity card acquiring." }, { "name": "Latvian bank links (Swedbank / SEB / Citadele / Klix)", "type": "instant-bank/RTP", "importance": "major", "note": "Real-time bank-link/redirect to domestic banks (Klix is Citadele's pay-by-link); needs local bank connectivity an offshore aggregator can't legally provide for the regulated market." }, { "name": "Trustly", "type": "instant-bank/RTP", "importance": "minor", "note": "Open-banking A2A bridging bank transfer and wallet speed; faster payouts than cards." }, { "name": "Skrill / Neteller", "type": "wallet", "importance": "minor", "note": "~30% use e-wallets; preferred for fast 12-24h withdrawals; commodity layer." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [ { "slug": "zimpler", "name": "Zimpler", "access": "open-banking", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [ "/methods/skrill", "/methods/neteller" ] } }, { "iso2": "LT", "market": "Lithuania", "region": "Europe", "dominantRailFamily": "local-card", "dominantMethods": [ "Bank cards (Swedbank / SEB / Luminor-issued Visa/Mastercard)" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "EUR", "regulator": null, "tax": null, "licence": null, "enforcementReaches": [ "isp" ], "factsVerified": "2026-07-31", "regulatoryNote": "Gaming Control Authority (Losimu prieziuros tarnyba, under the Ministry of Finance)-licensed online iGaming (remote-gambling permit required). 2026 rule forces financial institutions to BLOCK payment-card transactions to unlicensed operators (plus IP/DNS blocking); near-total ad ban phasing in, gambling age rising to 21 - only locally-licensed acquiring clears for the regulated market.", "methods": [ { "name": "Bank cards (Swedbank / SEB / Luminor-issued Visa/Mastercard)", "type": "local-card", "importance": "dominant", "note": "Primary deposit rail on licensed .lt sites; instant; from 2026 FIs must block cards to UNLICENSED operators, so card access effectively requires a locally-licensed acquirer." }, { "name": "Bank transfer / SEPA", "type": "bank-transfer", "importance": "major", "note": "Direct EUR transfer between the player's bank and the operator; standard for larger amounts and payouts." }, { "name": "Paysera", "type": "wallet", "importance": "major", "note": "Lithuanian-licensed EMI wallet/gateway with deep local bank coverage; the notable LOCAL e-money rail vs commodity Skrill/Neteller." }, { "name": "Skrill / Neteller", "type": "wallet", "importance": "minor", "note": "Common for fast withdrawals; commodity wallet layer." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [ { "slug": "zimpler", "name": "Zimpler", "access": "open-banking", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [ "/methods/skrill", "/methods/neteller" ] } }, { "iso2": "BN", "market": "Brunei", "region": "Southeast Asia", "dominantRailFamily": "mixed", "dominantMethods": [], "status": { "sportsbook": "banned-processing", "casino": "banned-processing" }, "currency": "BND", "regulator": null, "tax": null, "licence": null, "enforcementReaches": [ "isp" ], "factsVerified": "2026-07-31", "regulatoryNote": "ALL gambling banned, online and land-based, under the Common Gaming Houses Act (Cap 28) reinforced by Sharia law (gambling is haram and a criminal offence). Zero-tolerance enforcement (fines + imprisonment for locals and foreigners), active site-blocking; payment processing for gambling is statutorily/religiously barred. Tiny population; the rare offshore player reaches sites only via VPN + foreign cards/crypto. No usable local fiat rail.", "methods": [ { "name": "No usable local fiat rail", "type": "other", "importance": "minor", "note": "Gambling and its payment processing are banned under secular + Sharia law; domestic banks/BIBD/wallets do not touch gambling flow; the negligible offshore demand defaults to foreign-issued cards or crypto (out of scope)." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [ { "slug": "help2pay", "name": "Help2Pay", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "RS", "market": "Serbia", "region": "Europe", "dominantRailFamily": "local-card", "dominantMethods": [ "DinaCard" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "RSD", "regulator": { "name": "Uprava za igre na sreću (Games of Chance Administration)", "abbr": "GCA", "url": "https://www.uis.gov.rs" }, "tax": null, "licence": "€250k share capital + €300k bank guarantee + €10k daily risk deposit", "enforcementReaches": null, "factsVerified": "2026-07-30", "regulatoryNote": "Closed market run by the Games of Chance Administration (Uprava za igre na sreću) inside the Ministry of Finance: a Serbian licence is mandatory and Malta or Curaçao paper is not recognised. Entry economics sit in the law — €250,000 share capital, a €300,000 bank guarantee or deposit held at a bank domiciled in Serbia, and a €10,000 daily risk deposit. The amendments adopted in November 2024 (in force 6 December 2024, applied from 6 January 2025) are the payments-relevant part: online organisers must give the Administration access to their database or a replicated Mirror Server, e-licensing and KYC/self-exclusion data exchange were tightened, and individual cash deposits or withdrawals above RSD 1,175,000 in any 30-day window are now restricted.", "methods": [ { "name": "DinaCard", "type": "local-card", "importance": "dominant", "note": "Serbia's national card scheme, backed by the National Bank of Serbia and issued by nearly every local bank. Mozzart, MaxBet and Soccerbet all take it beside Visa/Mastercard with no commission and a RSD 500 minimum; it is cheaper to accept than the international schemes, which is why licensed sites push it. An acquirer without a Serbian relationship cannot touch it." }, { "name": "Visa / Mastercard (locally acquired)", "type": "local-card", "importance": "major", "note": "Standard on the same cashiers with 3-D Secure and instant credit, but for a licensed operator the acquiring has to sit inside the Serbian perimeter alongside the mandated bank guarantee." }, { "name": "Bank transfer (RSD)", "type": "bank-transfer", "importance": "major", "note": "Dinar accounts at Serbian banks; the route for larger balances and withdrawals, now inside the RSD 1,175,000 / 30-day cash threshold introduced in 2025." }, { "name": "Payspot / Altapay collection points", "type": "voucher/cash", "importance": "minor", "note": "Local cash-in networks used by players who avoid cards." }, { "name": "Skrill / Neteller", "type": "wallet", "importance": "minor", "note": "Mostly an offshore-facing rail; a Serbian-licensed operator still settles inside the local perimeter." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [ "/methods/skrill", "/methods/neteller" ] } }, { "iso2": "UY", "market": "Uruguay", "region": "LATAM", "dominantRailFamily": "local-card", "dominantMethods": [ "Local cards (Visa, Mastercard, OCA, Líder)" ], "status": { "sportsbook": "monopoly", "casino": "monopoly" }, "currency": "UYU", "regulator": { "name": "Dirección Nacional de Loterías y Quinielas" }, "tax": null, "licence": "State channel only (Supermatch); online bill tabled March 2026", "enforcementReaches": [ "isp" ], "factsVerified": "2026-07-30", "regulatoryNote": "Online betting runs through the state operator: La Banca de Quinielas' Supermatch platform with a small set of authorised partners, while the National Directorate of Lotteries blocks offshore sites daily. Two things moved in 2026: Resolution 015/2026 tightened the authorised operators with biometric proof-of-life identity checks and WLA Level 4 responsible-gaming certification, and a full online-gambling bill reached parliament in March 2026 as part of a package the government promised for the first half of the year. Drafts circulating tie virtual-gaming eligibility to land-based casino concessions, so this is a monopoly market in transition rather than an opening one — worth mapping now because the rails will not change when the licensing does.", "methods": [ { "name": "Local cards (Visa, Mastercard, OCA, Líder)", "type": "local-card", "importance": "dominant", "note": "Uruguayan-issued cards credit instantly on Supermatch from a UYU 200 minimum. OCA and Líder are domestic issuers that international acquirers routinely miss; dLocal documents both as separate pay-in codes (OA, LI) beside Visa/Mastercard debit and credit." }, { "name": "Abitab / RedPagos cash networks", "type": "voucher/cash", "importance": "major", "note": "The two nationwide collection networks, present in practically every town, used for both deposits and over-the-counter withdrawals on Supermatch. dLocal exposes them as pay-in codes AI and RE; Nuvei carries RedPagos as an APM. The standard rail for players without cards." }, { "name": "Local bank transfer (BROU/RedBROU, Itaú, Santander)", "type": "bank-transfer", "importance": "major", "note": "For larger amounts and the default withdrawal route to a registered account; Supermatch quotes up to two business hours, and issuing banks can stretch it further." }, { "name": "Prex", "type": "wallet", "importance": "minor", "note": "Local prepaid wallet that shows up on offshore-facing cashiers aimed at Uruguayan players rather than on the state platform." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [ { "slug": "d24", "name": "D24", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "ebanx", "name": "EBANX", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "mercado-pago", "name": "Mercado Pago", "access": "wallet", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "ET", "market": "Ethiopia", "region": "Africa", "dominantRailFamily": "mobile-money", "dominantMethods": [ "telebirr" ], "status": { "sportsbook": "banned-processing", "casino": "banned-processing" }, "currency": "ETB", "regulator": { "name": "National Lottery Administration / Ethiopian Lottery Service", "abbr": "NLA" }, "tax": null, "licence": "All licences revoked 15 Dec 2025", "enforcementReaches": [ "payment" ], "factsVerified": "2026-07-30", "regulatoryNote": "Ethiopia went from licensed to closed in eleven days. On 4 December 2025 the Ethiopian Lottery Service suspended 22 betting companies on National Intelligence and Security Service information alleging embezzlement, tax evasion and illicit transfers, with arrests and claims of more than 100 billion birr in concealed revenue; effective 15 December 2025 every licence issued by the National Lottery Administration was revoked. The order reaches the money by name: retail shops, agents, online platforms and the associated payment gateways must all stop, no new bets may be accepted, and the regulator states there are currently no legally licensed sports betting companies in Ethiopia. The rails below are what the market ran on and would run on again — mapped for the show-not-recommend case, not as a route in.", "methods": [ { "name": "telebirr", "type": "mobile-money", "importance": "dominant", "note": "Ethio Telecom's wallet and the country's default digital rail: 54.8 million users and 2.38 trillion birr of transactions in FY2024/25 across 310,000 merchants and 320,000 agents. It carried the bulk of betting deposits, and its gateway is explicitly inside the cessation order." }, { "name": "CBE Birr", "type": "mobile-money", "importance": "major", "note": "Commercial Bank of Ethiopia's wallet, the main bank-side alternative to telebirr on operator cashiers before the shutdown." }, { "name": "HelloCash / Amole", "type": "mobile-money", "importance": "minor", "note": "Second-tier bank wallets that appeared alongside the two majors." }, { "name": "Crypto (offshore-facing)", "type": "other", "importance": "minor", "note": "The residual rail after the revocation, on sites the regulator classifies as illegal; the Ethiopian Lottery Service has publicly warned about betting promotions in the post-ban vacuum." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "PA", "market": "Panama", "region": "LATAM", "dominantRailFamily": "local-card", "dominantMethods": [ "Clave" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "USD", "regulator": { "name": "Junta de Control de Juegos", "abbr": "JCJ" }, "tax": null, "licence": "≈$40k initial + $20k/yr, 7-year permit", "enforcementReaches": null, "factsVerified": "2026-07-30", "regulatoryNote": "The Junta de Control de Juegos, inside the Ministry of Economy and Finance, licenses remote gambling across casino, sportsbook, poker and bingo under a single instrument: a Panamanian company, a local office, at least three directors, a seven-year permit at roughly $40,000 up front and $20,000 a year. Two practical notes for anyone pricing this market. The JCJ does not publish its licensee list, so the field markers are a .pa domain, the JCJ badge in the footer and local rails in the cashier. And most operators serving Panamanian players hold foreign licences instead, which makes this a split market: a regulated onshore perimeter next to a large offshore-facing one. Panama is dollarised, so card acceptance is simpler than elsewhere in LATAM.", "methods": [ { "name": "Clave", "type": "local-card", "importance": "dominant", "note": "Panama's domestic debit network, and one of the two tells that a cashier is actually onshore-regulated rather than offshore. An acquirer without a Panamanian bank relationship cannot offer it." }, { "name": "Punto Pago", "type": "wallet", "importance": "major", "note": "Local payment network and app used for bill payment and top-ups; the second field marker of a JCJ-regulated site." }, { "name": "Yappy", "type": "wallet", "importance": "major", "note": "Banco General's wallet and the country's most-used digital payment platform overall — about 25 million transactions a month across roughly 1.4 million users, now open beyond Banco General's own customers. Dominant in Panamanian commerce generally; on gambling cashiers it sits beside Clave and Punto Pago rather than ahead of them." }, { "name": "Cards and ACH (USD)", "type": "bank-transfer", "importance": "major", "note": "Dollarisation removes the FX layer, but a JCJ-licensed operation still needs local acquiring and domestic clearing for larger deposits and withdrawals." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [ { "slug": "d24", "name": "D24", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "ebanx", "name": "EBANX", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "monnet", "name": "Monnet", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "DO", "market": "Dominican Republic", "region": "LATAM", "dominantRailFamily": "local-card", "dominantMethods": [ "Local cards (Visa / Mastercard, DOP)" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "DOP", "regulator": { "name": "Dirección de Casinos y Juegos de Azar", "abbr": "DCJA" }, "tax": null, "licence": "RD$20.47M online casino / RD$15.36M betting, 5-year term", "enforcementReaches": null, "factsVerified": "2026-07-30", "regulatoryNote": "Resolution 136-2024, issued 26 March 2024 by the Ministry of Finance, built a licensing regime for online casino and sports betting under the Dirección de Casinos y Juegos de Azar with three requirements that land on infrastructure rather than marketing: a .do domain, gaming servers physically inside the country, and registration with the Superintendence of Banks. Licences run five years, are non-transferable for the first three, and are priced at RD$20.47M for online casino and RD$15.36M for sports betting. Resolution 184-2026 then added responsible-gaming rules and a national self-exclusion system, and a June 2025 reform bill would fold oversight into a new General Directorate of Gambling with real-time supervision. The banking registration is the clause that matters for a payment stack: it pushes settlement onshore by design.", "methods": [ { "name": "Local cards (Visa / Mastercard, DOP)", "type": "local-card", "importance": "dominant", "note": "The default deposit rail on licensed .do sites, acquired in pesos through Dominican banks — which the Superintendence-of-Banks registration effectively requires." }, { "name": "Local bank transfer (Banreservas, Popular, BHD)", "type": "bank-transfer", "importance": "major", "note": "The three large domestic banks carry most transfer volume; the onshore-server and banking-registration rules make local settlement the expected shape rather than an optimisation." }, { "name": "paysafecard", "type": "voucher/cash", "importance": "minor", "note": "Prominent on offshore-facing Dominican cashiers precisely because it needs no bank or card details." }, { "name": "Crypto (offshore-facing)", "type": "other", "importance": "minor", "note": "Present on international sites serving Dominican players from outside the licensed .do perimeter." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [ { "slug": "d24", "name": "D24", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "ebanx", "name": "EBANX", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [ "/methods/paysafecard" ] } }, { "iso2": "GE", "market": "Georgia", "region": "Europe", "dominantRailFamily": "local-card", "dominantMethods": [ "Local cards (Visa / Mastercard, GEL)" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "GEL", "regulator": { "name": "Revenue Service of Georgia" }, "tax": "20% GGR domestic-facing; 5% GGR under the proposed foreign-only licence", "licence": "Foreign-only licence: 5-year term (June 2026 amendments)", "enforcementReaches": null, "factsVerified": "2026-07-30", "regulatoryNote": "A licensed market with a two-tier tax split that is the whole story for an inbound operator. Domestic-facing online casino pays 20% of GGR; the amendments proposed in June 2026 to the law on the Organisation of Lotteries, Gambling and Profitable Games create a dedicated foreign-only licence — online slots and sports betting sold exclusively to non-Georgian customers — at 5% GGR on a five-year term. Online casino licences stay tied to the ten land-based casino businesses, among them Casino Adjara, Crystalbet and Iveria. The operator field is consolidated and international: Adjarabet belongs to Flutter, and Betsson runs the former europebet. Treat Georgia as a licensing-and-hosting proposition first and a player market second.", "methods": [ { "name": "Local cards (Visa / Mastercard, GEL)", "type": "local-card", "importance": "dominant", "note": "Cards issued by TBC, Bank of Georgia and Liberty are the default deposit rail on Adjarabet and Crystalbet; acquiring runs through the Georgian banks." }, { "name": "TBC Pay", "type": "voucher/cash", "importance": "major", "note": "TBC's payment-terminal and top-up network, which runs dedicated top-up pages for gambling brands — the cash-adjacent rail an offshore acquirer cannot reach." }, { "name": "PayBox", "type": "voucher/cash", "importance": "major", "note": "Second domestic terminal network on the same cashiers, alongside TBC Pay." }, { "name": "Bank transfer (GEL)", "type": "bank-transfer", "importance": "major", "note": "TBC, Bank of Georgia and Liberty accounts; the route for larger balances and withdrawals." }, { "name": "Operator wallets (adjaraPay and peers)", "type": "wallet", "importance": "minor", "note": "Closed-loop balances run by the operators themselves rather than an open payment rail." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "PY", "market": "Paraguay", "region": "LATAM", "dominantRailFamily": "local-card", "dominantMethods": [ "Local cards (Visa / Mastercard, PYG)" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "PYG", "regulator": { "name": "Comisión Nacional de Juegos de Azar", "abbr": "CONAJZAR" }, "tax": null, "licence": "Law 7438/2025: up to 3 sports-betting licences; Daruma SAM concession to 2028", "enforcementReaches": null, "factsVerified": "2026-07-30", "regulatoryNote": "Law 7438/2025 rewrote the regime, pulling sports betting and online casino inside the regulated frame under CONAJZAR and ending the single-operator model. The catch is timing: Daruma SAM's sports-betting concession runs to 2028, the new framework allows up to three licensed operators in that category, and the first public tenders were expected during 2026. Until those land, the practical market is one concession plus offshore traffic.", "methods": [ { "name": "Local cards (Visa / Mastercard, PYG)", "type": "local-card", "importance": "dominant", "note": "The default rail on both the concession operator and offshore-facing cashiers." }, { "name": "Bank transfer (PYG)", "type": "bank-transfer", "importance": "major", "note": "Domestic clearing for larger deposits and withdrawals." }, { "name": "Skrill / Neteller / paysafecard", "type": "wallet", "importance": "major", "note": "Heavily used on offshore-facing sites, which is where most Paraguayan online volume has sat while the tenders wait." }, { "name": "Crypto (USDT)", "type": "other", "importance": "minor", "note": "Crypto-friendly international books are a visible route for Paraguayan players, same pattern as the wider Southern Cone grey market." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [ { "slug": "d24", "name": "D24", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "ebanx", "name": "EBANX", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [ "/methods/paysafecard", "/methods/skrill", "/methods/neteller" ] } }, { "iso2": "BO", "market": "Bolivia", "region": "LATAM", "dominantRailFamily": "local-card", "dominantMethods": [ "Local cards (Visa / Mastercard, BOB)" ], "status": { "sportsbook": "offshore", "casino": "offshore" }, "currency": "BOB", "regulator": { "name": "Autoridad de Fiscalización del Juego", "abbr": "AJ", "url": "https://www.aj.gob.bo" }, "tax": "30% operator / 15% player (2026 reform proposes repeal)", "licence": null, "enforcementReaches": null, "factsVerified": "2026-07-30", "regulatoryNote": "A grey market with a regulator that claims the ground. Law 060 of 25 November 2010 created the Autoridad de Fiscalización del Juego under the Ministry of Economy and allows games by 'digital or technological means', a clause the AJ read in 2021 as bringing online gaming inside the framework — without a licensing route that international operators actually use. The 2026 reform on the table would scrap the gaming taxes (30% on operators, 15% on players) that the authorities themselves blame for driving volume grey, while the AJ keeps issuing public warnings about unauthorised sites. Watch the tax repeal: it is the trigger that would turn this into a real licensed market.", "methods": [ { "name": "Local cards (Visa / Mastercard, BOB)", "type": "local-card", "importance": "dominant", "note": "Card acceptance through Bolivian issuers; the main rail on offshore-facing cashiers serving the market." }, { "name": "Bank transfer / QR (BOB)", "type": "bank-transfer", "importance": "major", "note": "Domestic bank rails, increasingly QR-initiated, for larger amounts." }, { "name": "Skrill / Neteller", "type": "wallet", "importance": "minor", "note": "The usual grey-market wallet layer." }, { "name": "Crypto (USDT)", "type": "other", "importance": "minor", "note": "Present for the same reason as elsewhere in the Andean grey belt: it sidesteps the card-decline problem entirely." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [ { "slug": "d24", "name": "D24", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "ebanx", "name": "EBANX", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [ "/methods/skrill", "/methods/neteller" ] } }, { "iso2": "GT", "market": "Guatemala", "region": "LATAM", "dominantRailFamily": "local-card", "dominantMethods": [ "Local cards (Visa / Mastercard, GTQ)" ], "status": { "sportsbook": "offshore", "casino": "offshore" }, "currency": "GTQ", "regulator": null, "tax": null, "licence": null, "enforcementReaches": null, "factsVerified": null, "regulatoryNote": "Formally illegal, practically open. Gambling sits under Penal Code provisions whose roots run to 1880, no licences are issued to digital operators, and there is no online framework at all — yet land-based and online activity runs widely and largely unchecked, with Guatemalans reaching international sites without prosecution. For an operator this is an offshore-serve market: no local licence exists to obtain, so the payment question is simply which rails clear without a domestic gambling authorisation behind them.", "methods": [ { "name": "Local cards (Visa / Mastercard, GTQ)", "type": "local-card", "importance": "dominant", "note": "Cross-border card acceptance carries most volume; decline rates are the usual offshore problem, which is what pulls players to wallets and crypto." }, { "name": "Cash collection networks", "type": "voucher/cash", "importance": "major", "note": "Over-the-counter cash-in is a real rail here — Monnet's own pricing guidance singles out Guatemalan cash collection as a materially different cost line from Andean online banking." }, { "name": "Skrill / Neteller / AstroPay", "type": "wallet", "importance": "major", "note": "The standard grey-market wallet stack for a market with no licensing route." }, { "name": "Crypto", "type": "other", "importance": "minor", "note": "Recommended by player-facing guides precisely because the banking route is unreliable." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [ { "slug": "d24", "name": "D24", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "ebanx", "name": "EBANX", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "monnet", "name": "Monnet", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [ "/methods/skrill", "/methods/neteller" ] } }, { "iso2": "HN", "market": "Honduras", "region": "LATAM", "dominantRailFamily": "bank-transfer", "dominantMethods": [ "Bank transfer (HNL)" ], "status": { "sportsbook": "offshore", "casino": "offshore" }, "currency": "HNL", "regulator": null, "tax": null, "licence": null, "enforcementReaches": [ "none" ], "factsVerified": "2026-07-31", "regulatoryNote": "Regulated on paper since 1977 and never updated since: the framework has had no amendments and contains no reference to the online sector, which leaves online betting unmonitored rather than prohibited. There is no regulator issuing online licences and no blocking regime to speak of, so Honduras behaves as an offshore-serve market where bank transfer is unusually prominent for the region.", "methods": [ { "name": "Bank transfer (HNL)", "type": "bank-transfer", "importance": "dominant", "note": "Player-facing guides put bank transfer first for Honduras, ahead of cards — unusual for Central America and a signal about card-decline rates on cross-border gambling MIDs." }, { "name": "Local cards (Visa / Mastercard, HNL)", "type": "local-card", "importance": "major", "note": "Accepted cross-border, with the usual offshore decline profile." }, { "name": "Neteller / Skrill / AstroPay", "type": "wallet", "importance": "major", "note": "The wallet layer that absorbs what cards decline." }, { "name": "Cash collection networks", "type": "voucher/cash", "importance": "minor", "note": "Over-the-counter deposits through the regional collection networks." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [ { "slug": "d24", "name": "D24", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "monnet", "name": "Monnet", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [ "/methods/skrill", "/methods/neteller" ] } }, { "iso2": "SK", "market": "Slovakia", "region": "Europe", "dominantRailFamily": "instant-bank", "dominantMethods": [ "TatraPay and bank online-banking buttons" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "EUR", "regulator": { "name": "Úrad pre reguláciu hazardných hier", "abbr": "ÚRHH" }, "tax": null, "licence": "No cap; Slovak branch or subsidiary required; eKasa real-time fiscal reporting from 1 Jan 2026", "enforcementReaches": null, "factsVerified": "2026-07-30", "regulatoryNote": "An open EU licensing market run by the Office for the Regulation of Gambling (ÚRHH) under the Ministry of Finance, with the modern framework live since March 2019 and no cap on the number of licences. The entry cost is structural rather than numeric: an international operator has to establish a Slovak branch or subsidiary, which drags the payment stack onshore with it. From 1 January 2026 the updated eKasa regime (Act No. 384/2025 Coll.) requires real-time fiscal reporting on online casino transactions, so the payment integration now has a reporting obligation sitting on top of it.", "methods": [ { "name": "TatraPay and bank online-banking buttons", "type": "instant-bank/RTP", "importance": "dominant", "note": "Tatra banka's TatraPay is the recognisable Slovak pay-by-bank button, with ČSOB and the other domestic banks running equivalents. Instant on deposit, slower on the way out." }, { "name": "SEPA / SEPA Instant", "type": "instant-bank/RTP", "importance": "major", "note": "Licensed Slovak casinos lean on SEPA, and SEPA Instant settles in seconds where both banks support it; otherwise one to two days." }, { "name": "Visa / Mastercard", "type": "local-card", "importance": "major", "note": "Standard card acceptance inside the licensed perimeter, acquired through the Slovak entity the licence requires." }, { "name": "Skrill / Neteller / PayPal", "type": "wallet", "importance": "minor", "note": "Present on licensed cashiers as a convenience layer rather than a primary rail." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [ { "slug": "payu", "name": "PayU", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "volt", "name": "Volt", "access": "open-banking", "evidence": "provider-stated" }, { "slug": "worldline", "name": "Worldline", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [ "/methods/skrill", "/methods/neteller" ] } }, { "iso2": "CD", "market": "DR Congo", "region": "Africa", "dominantRailFamily": "mobile-money", "dominantMethods": [ "M-Pesa (Vodacom)", "Airtel Money" ], "status": { "sportsbook": "offshore", "casino": "offshore" }, "currency": "CDF", "regulator": { "name": "SONAL (state operator; 1984 ordinance)" }, "tax": null, "licence": null, "enforcementReaches": null, "factsVerified": "2026-07-30", "regulatoryNote": "One of Africa's largest unregulated betting markets — trade estimates put it around $1.7bn — sitting on a 1984 ordinance that historically reserves lottery and betting-pool activity to the state operator SONAL, with reform and a SONAL relaunch announced for 2026. The regulatory gap is specifically a payments gap: betting transactions are frequent, small and near-instant, they run almost entirely through a handful of mobile-money platforms, and transaction data sits behind the telecoms regulator, which limits what the gambling side can see. Concentration is the risk and the opportunity in equal measure.", "methods": [ { "name": "M-Pesa (Vodacom)", "type": "mobile-money", "importance": "dominant", "note": "One of the four wallets that carry effectively the whole market; deposits and withdrawals both run here rather than through banks." }, { "name": "Airtel Money", "type": "mobile-money", "importance": "dominant", "note": "Co-dominant with M-Pesa on operator cashiers; the pair reach players entirely outside the banked population." }, { "name": "Orange Money", "type": "mobile-money", "importance": "major", "note": "Third of the four dominant wallets." }, { "name": "Africell Money", "type": "mobile-money", "importance": "minor", "note": "Smallest of the four, but part of the same concentrated mobile-money layer." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [ { "slug": "dpo-group", "name": "DPO Group", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "VE", "market": "Venezuela", "region": "LATAM", "dominantRailFamily": "instant-bank", "dominantMethods": [ "Pago Móvil", "USDT (stablecoins)" ], "status": { "sportsbook": "offshore", "casino": "offshore" }, "currency": "VES / USD", "regulator": null, "tax": null, "licence": null, "enforcementReaches": [ "none" ], "factsVerified": "2026-07-30", "regulatoryNote": "No online statute exists. The 1997 casino and slot-machine law is land-based and predates the consumer internet; the 2000 National Lottery Law is silent on private digital wagering. So online play runs offshore in a grey market with no licensing route to obtain. What makes Venezuela worth mapping is the money rather than the law: with bolívar inflation running 254-270% annualised and escalating past 600% in Q1 2026, stablecoins carry roughly 91% of monthly Venezuelan crypto transactions, and the working cashier pattern is a dual channel — bolívares in through Pago Móvil, dollars in through USDT, with the operator holding an internal USD balance and converting bolívar deposits at the moment of receipt.", "methods": [ { "name": "Pago Móvil", "type": "instant-bank/RTP", "importance": "dominant", "note": "The domestic instant bank rail and the bolívar half of the dual-channel cashier. Reaching it needs a Venezuelan banking relationship, which is exactly what most offshore operators lack." }, { "name": "USDT (stablecoins)", "type": "other", "importance": "dominant", "note": "The dollar channel, and the reason Venezuela is the one market in this taxonomy where crypto is genuinely dominant rather than residual. The common route is buying USDT on Binance P2P with bolívares via bank transfer or Pago Móvil, then depositing the USDT directly." }, { "name": "Local bank transfer (VES)", "type": "bank-transfer", "importance": "major", "note": "Behind Pago Móvil for the same bolívar flows; both are priced against the BCV rate, which moves fast enough to be a commercial term rather than a detail." }, { "name": "Bitcoin", "type": "other", "importance": "minor", "note": "Present beside USDT, but stablecoins carry the overwhelming share because players want dollar stability, not exposure." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [ { "slug": "d24", "name": "D24", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "CR", "market": "Costa Rica", "region": "LATAM", "dominantRailFamily": "instant-bank", "dominantMethods": [ "SINPE Móvil" ], "status": { "sportsbook": "offshore", "casino": "offshore" }, "currency": "CRC", "regulator": { "name": "Municipal data-processing licence (not a gambling authority)" }, "tax": null, "licence": "Hosting instrument only: bars serving residents and local-bank settlement", "enforcementReaches": null, "factsVerified": "2026-07-30", "regulatoryNote": "Costa Rica is two things at once, and conflating them is the standard error. As a jurisdiction it hosts operators worldwide under a municipal data-processing licence, which is explicitly not gambling authorisation and comes with conditions that bar serving Costa Rican residents and bar settling through local banks. As a player market it is therefore pure offshore-serve: Costa Ricans deposit on international sites, and no domestic licensing route exists to serve them. The payments side is unusually modern for the region: SINPE Móvil, operated directly by the Banco Central de Costa Rica, reached over 80% of adults by 2025 and carries close to 80% of interbank transfer volume by count (about 4% by value) across 44 participating entities.", "methods": [ { "name": "SINPE Móvil", "type": "instant-bank/RTP", "importance": "dominant", "note": "The central bank's own fast-payment rail, addressed by mobile number, launched 2015 and adopted by more than 80% of adults. High frequency, low ticket — exactly the profile of gambling deposits. An offshore operator cannot touch it without a Costa Rican banking relationship, which the data-processing licence conditions actively discourage." }, { "name": "Local cards (Visa / Mastercard, CRC)", "type": "local-card", "importance": "major", "note": "Cross-border card acceptance carries most of the offshore volume, with the usual decline profile on gambling MIDs." }, { "name": "Skrill / Neteller", "type": "wallet", "importance": "major", "note": "The standard wallet layer where cards fail." }, { "name": "Crypto", "type": "other", "importance": "minor", "note": "Used for the same reason as elsewhere in the offshore belt." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [ { "slug": "d24", "name": "D24", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "ebanx", "name": "EBANX", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [ "/methods/skrill", "/methods/neteller" ] } }, { "iso2": "SV", "market": "El Salvador", "region": "LATAM", "dominantRailFamily": "local-card", "dominantMethods": [ "Local cards (Visa / Mastercard, USD)" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "USD", "regulator": { "name": "Lotería Nacional de Beneficencia", "abbr": "LNB" }, "tax": null, "licence": null, "enforcementReaches": null, "factsVerified": "2026-07-30", "regulatoryNote": "Licensing sits with the Lotería Nacional de Beneficencia, which issues and supervises permits including online gaming and sports betting — a real route, unlike most of Central America. One correction worth publishing loudly, because the outdated version is everywhere: Bitcoin is no longer legal currency here. On 30 January 2025 the Congress amended the Bitcoin Law as a condition of a $1.4bn IMF programme; acceptance is now voluntary, businesses may refuse it, and it can no longer be used to pay taxes or settle government debts. The country still runs a Bitcoin Office and holds BTC reserves, but the dollar is the operating currency and any cashier built on the 2021 story is built on a repealed premise.", "methods": [ { "name": "Local cards (Visa / Mastercard, USD)", "type": "local-card", "importance": "dominant", "note": "El Salvador is dollarised, so cards clear without an FX layer; an LNB-licensed operation acquires locally." }, { "name": "Bank transfer (USD)", "type": "bank-transfer", "importance": "major", "note": "Domestic clearing for larger amounts and withdrawals." }, { "name": "Bitcoin / Chivo", "type": "other", "importance": "minor", "note": "Still lawful and still supported by state infrastructure, but voluntary since the January 2025 amendment — treat it as an optional rail, not the market's defining feature." }, { "name": "Money-transfer agencies (Western Union, MoneyGram)", "type": "voucher/cash", "importance": "minor", "note": "Remittance networks double as deposit rails across Central America." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [ { "slug": "d24", "name": "D24", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "NI", "market": "Nicaragua", "region": "LATAM", "dominantRailFamily": "wallet", "dominantMethods": [ "Skrill / Neteller" ], "status": { "sportsbook": "offshore", "casino": "offshore" }, "currency": "NIO", "regulator": { "name": "Ministry of Finance" }, "tax": null, "licence": null, "enforcementReaches": null, "factsVerified": "2026-07-30", "regulatoryNote": "The 2011 gambling law makes all forms legal and says nothing about online, which is read as permitting it; the Ministry of Finance regulates and a local licence is nominally required, but the process is built around land-based permits with online extensions rather than online-only licences. Enforcement against unlicensed sites is inconsistent, no meaningful roster of locally licensed online brands exists, and offshore operators serve the market in practice.", "methods": [ { "name": "Skrill / Neteller", "type": "wallet", "importance": "dominant", "note": "Player guides put wallets first, partly because they convert córdobas into dollars or euros on the way — the practical workaround for a small, weakly banked market." }, { "name": "Money-transfer agencies (Western Union, MoneyGram)", "type": "voucher/cash", "importance": "major", "note": "Used extensively across Central America and accepted as a deposit route by many sites serving Nicaraguan players." }, { "name": "Local cards and bank wires (NIO)", "type": "local-card", "importance": "major", "note": "Cross-border acceptance with the usual offshore decline profile." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [ { "slug": "d24", "name": "D24", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [ "/methods/skrill", "/methods/neteller" ] } }, { "iso2": "MK", "market": "North Macedonia", "region": "Europe", "dominantRailFamily": "local-card", "dominantMethods": [ "Local cards (Visa / Mastercard, MKD)" ], "status": { "sportsbook": "monopoly", "casino": "monopoly" }, "currency": "MKD", "regulator": { "name": "State-owned operator under the 2026 Law on Games of Chance" }, "tax": null, "licence": "Single state operator from 14 July 2026; private firms supply tech via tender only", "enforcementReaches": [ "payment" ], "factsVerified": "2026-07-30", "regulatoryNote": "The freshest regulatory event in this taxonomy, and it closed the market. The Assembly adopted a new Law on Games of Chance and Entertainment Games on 29 June 2026, in force 14 July 2026, replacing the 2011 framework: online casino, sports betting and lottery now sit under a single state-owned operator. Private companies may still supply games, platforms and technology through public tenders, but they cannot hold the licence, manage players or run the site, and the authorities moved to cancel the licences previously held by operators including Mozzart, NOVO VLT, 77 BITS, Vezuv and 2Win.mk. The payments clause is explicit: online payment transactions must route through banks seated in North Macedonia.", "methods": [ { "name": "Local cards (Visa / Mastercard, MKD)", "type": "local-card", "importance": "dominant", "note": "Acquired through Macedonian banks, which the new law now requires by name rather than by convenience." }, { "name": "Bank transfer (MKD, domestic banks)", "type": "bank-transfer", "importance": "major", "note": "The 2026 law mandates routing online payment transactions through banks seated in North Macedonia; deposits may alternatively be made at the operator's own points." }, { "name": "Cash at operator points", "type": "voucher/cash", "importance": "major", "note": "The over-the-counter alternative the law preserves alongside the bank rail." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "ME", "market": "Montenegro", "region": "Europe", "dominantRailFamily": "local-card", "dominantMethods": [ "Local cards (Visa, Visa Electron, Mastercard, Maestro)" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "EUR", "regulator": { "name": "Games of Chance Administration" }, "tax": null, "licence": "Online licence requires an existing land-based licence (Act in force 14 Aug 2025)", "enforcementReaches": null, "factsVerified": "2026-07-30", "regulatoryNote": "A new Games of Chance Act entered into force on 14 August 2025, replacing the old concession model with licensing: casino licences are issued by the government, other games by the Games of Chance Administration. The gate for online is the familiar Balkan one — an online licence goes only to operators that already hold a land-based licence, which makes market entry an acquisition question rather than an application question.", "methods": [ { "name": "Local cards (Visa, Visa Electron, Mastercard, Maestro)", "type": "local-card", "importance": "dominant", "note": "The published method sets on Montenegrin sites lead with cards, including Maestro and Visa Electron debit variants that international acquirers often drop." }, { "name": "Bank transfer (EUR)", "type": "bank-transfer", "importance": "major", "note": "Montenegro uses the euro unilaterally, which removes the FX layer but not the local-licence requirement." }, { "name": "E-wallets and prepaid cards", "type": "wallet", "importance": "minor", "note": "A wide convenience layer beside cards, including prepaid products." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "BA", "market": "Bosnia and Herzegovina", "region": "Europe", "dominantRailFamily": "local-card", "dominantMethods": [ "Local cards (Visa / Mastercard, BAM)" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "BAM", "regulator": { "name": "Three entity regulators: Federation of BiH, Republika Srpska, Brčko District" }, "tax": null, "licence": "Online licence requires land-based presence in the same entity", "enforcementReaches": null, "factsVerified": "2026-07-30", "regulatoryNote": "One country, three gambling regimes: the Federation of Bosnia and Herzegovina, Republika Srpska and Brčko District each legislate and enforce separately. Online is legal in principle, but licences go only to operators already running land-based operations inside the same entity — so a national footprint means clearing three regulators and, in practice, three land-based positions. The fragmentation is the market's defining feature and the reason it stays small relative to its population.", "methods": [ { "name": "Local cards (Visa / Mastercard, BAM)", "type": "local-card", "importance": "dominant", "note": "Acquired inside whichever entity licences the operator; the convertible mark is pegged to the euro." }, { "name": "Bank transfer (BAM)", "type": "bank-transfer", "importance": "major", "note": "Domestic clearing, again entity by entity." }, { "name": "Cash at betting shops", "type": "voucher/cash", "importance": "major", "note": "The land-based requirement cuts both ways: every licensed online brand already has a retail estate that doubles as a deposit network." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "SI", "market": "Slovenia", "region": "Europe", "dominantRailFamily": "local-card", "dominantMethods": [ "Local cards (Visa / Mastercard, EUR)" ], "status": { "sportsbook": "monopoly", "casino": "monopoly" }, "currency": "EUR", "regulator": { "name": "Ministry of Finance (1995 Gaming Act)" }, "tax": null, "licence": "Two licensees only; 2025 draft would raise the cap to five", "enforcementReaches": null, "factsVerified": "2026-07-30", "regulatoryNote": "Closed by design under the 1995 Gaming Act: online products may only be offered by operators that already hold a Slovenian land-based casino, betting or lottery licence, which in practice means Loterija Slovenije and Športna Loterija, the latter holding exclusive rights over sports and racing betting. Foreign operators cannot enter directly. Slovenia tabled draft amendments in 2025 that would raise the licensed count from two to five, open concession tenders and relax ownership and localisation rules — worth watching, not yet worth planning around; the Entain and Superbet interest in acquiring Športna Loterija was dropped.", "methods": [ { "name": "Local cards (Visa / Mastercard, EUR)", "type": "local-card", "importance": "dominant", "note": "The default rail on the two licensed platforms." }, { "name": "Bank transfer / SEPA", "type": "bank-transfer", "importance": "major", "note": "Euro clearing through Slovenian banks." }, { "name": "E-wallets", "type": "wallet", "importance": "minor", "note": "Present mainly on offshore-facing sites that Slovenian players reach despite the monopoly." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [ { "slug": "volt", "name": "Volt", "access": "open-banking", "evidence": "provider-stated" }, { "slug": "worldline", "name": "Worldline", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "HU", "market": "Hungary", "region": "Europe", "dominantRailFamily": "local-card", "dominantMethods": [ "Local cards (Visa / Mastercard, HUF)" ], "status": { "sportsbook": "regulated", "casino": "monopoly" }, "currency": "HUF", "regulator": { "name": "Szabályozott Tevékenységek Felügyeleti Hatósága", "abbr": "SZTFH" }, "tax": "15% GGR + 2.5% supervision fee", "licence": "HUF 1bn share capital + HUF 600m licence fee; 5 years' EEA online experience; online casino needs one of 12 land-based concessions (11 granted by late 2025)", "enforcementReaches": null, "factsVerified": "2026-07-30", "regulatoryNote": "Split down the middle, and the split is what matters. Sports betting was liberalised from January 2023 and is open to private EEA operators through SZTFH licensing, with entry priced at HUF 1bn share capital and a HUF 600m licence fee plus 15% GGR tax and a 2.5% supervision fee, and a requirement of five years' licensed EEA online experience. Online casino is a different world: new entrants need a land-based casino concession, and as of late 2025 eleven of the twelve available concessions were already granted. So the honest read for an operator is that the betting door is open but expensive, and the casino door is effectively shut.", "methods": [ { "name": "Local cards (Visa / Mastercard, HUF)", "type": "local-card", "importance": "dominant", "note": "The default rail on SZTFH-licensed sites, acquired through the Hungarian entity the licence assumes." }, { "name": "Bank transfer (HUF, instant)", "type": "instant-bank/RTP", "importance": "major", "note": "Hungary's domestic instant-payment scheme clears in seconds and carries larger deposits and withdrawals." }, { "name": "E-wallets (Skrill, Neteller, PayPal)", "type": "wallet", "importance": "minor", "note": "A convenience layer rather than a primary rail inside the licensed perimeter." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [ { "slug": "payu", "name": "PayU", "access": "aggregated", "evidence": "provider-stated" }, { "slug": "volt", "name": "Volt", "access": "open-banking", "evidence": "provider-stated" }, { "slug": "worldline", "name": "Worldline", "access": "aggregated", "evidence": "provider-stated" } ] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [ "/methods/skrill", "/methods/neteller" ] } }, { "iso2": "AL", "market": "Albania", "region": "Europe", "dominantRailFamily": "local-card", "dominantMethods": [ "Local cards (Visa / Mastercard, ALL)" ], "status": { "sportsbook": "regulated", "casino": "offshore" }, "currency": "ALL", "regulator": { "name": "Albanian Gambling Supervisory Authority (Law No. 18/2024)" }, "tax": null, "licence": "10 online licences total; joint-stock companies with EU/OECD track record; real-time transaction monitoring from 11 Mar 2026", "enforcementReaches": null, "factsVerified": "2026-07-31", "regulatoryNote": "Albania is the reopening story in this taxonomy. A blanket gambling ban ran for five years from 2019; Law No. 18/2024, effective 27 March 2024, brought regulated online sports betting back specifically to pull volume out of the black market. The reopening is deliberately narrow: only ten online licences exist in total, reserved for joint-stock companies with high capital and proven operating history across several EU or OECD markets, while land-based casino and live poker sit behind separate high-end permits tied to five-star hotels and resort zones. Online casino was not reopened, so that vertical stays offshore. On 11 March 2026 the Council of Ministers adopted the technical standards: platform infrastructure, player identification, and billing and payment procedures, with every betting-related transaction recorded and monitored in real time by Albanian state bodies. That last clause is the one that shapes a payment stack here.", "methods": [ { "name": "Local cards (Visa / Mastercard, ALL)", "type": "local-card", "importance": "dominant", "note": "Acquired through Albanian banks inside the licensed perimeter; the real-time transaction-monitoring rule means the acquiring relationship carries a reporting obligation, not just a settlement one." }, { "name": "Bank transfer (ALL)", "type": "bank-transfer", "importance": "major", "note": "Domestic clearing for larger deposits and withdrawals, inside the same monitored perimeter." }, { "name": "Cash at licensed points", "type": "voucher/cash", "importance": "major", "note": "Over-the-counter deposits at the licensee's own points, the usual Balkan pattern where retail and online sit in one company." }, { "name": "E-wallets (offshore-facing)", "type": "wallet", "importance": "minor", "note": "The rail for the online-casino vertical the 2024 law did not reopen, which players still reach internationally." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "XK", "market": "Kosovo", "region": "Europe", "dominantRailFamily": "local-card", "dominantMethods": [ "Offshore cards (EUR)" ], "status": { "sportsbook": "banned-processing", "casino": "banned-processing" }, "currency": "EUR", "regulator": { "name": "Prohibited under the 2019 Law on the Prohibition of Games of Chance" }, "tax": null, "licence": "No licensing route; ban runs at least 10 years, lottery excepted", "enforcementReaches": null, "factsVerified": "2026-07-31", "regulatoryNote": "The mirror image of its neighbour. Kosovo's Assembly passed the Law on the Prohibition of Games of Chance in March 2019, in force from May, after the murders of two men in gambling venues in Lipjan and Suhareka and the public pressure that followed. The prohibition covers essentially every form for at least ten years with the state lottery as the exception, and as of 2026 the government has shown no sign of reversing it — the contrast with Albania, which reopened in 2024, is the useful thing to know. There is no licensing route to obtain and no compliant local acquiring to build.", "methods": [ { "name": "Offshore cards (EUR)", "type": "local-card", "importance": "dominant", "note": "Kosovo uses the euro unilaterally, so cross-border card attempts carry no FX layer — only the decline profile of an unlicensed vertical." }, { "name": "E-wallets", "type": "wallet", "importance": "major", "note": "The usual layer where cards fail in a prohibited market." }, { "name": "Crypto", "type": "other", "importance": "minor", "note": "Residual rail, as in every banned market where players persist." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "TN", "market": "Tunisia", "region": "MENA", "dominantRailFamily": "local-card", "dominantMethods": [ "Promosport channel (local cards and cash)" ], "status": { "sportsbook": "monopoly", "casino": "banned-processing" }, "currency": "TND", "regulator": { "name": "Ministry of Youth and Sports (Promosport)" }, "tax": "25% on winnings via the legal channel", "licence": null, "enforcementReaches": [ "isp", "payment" ], "factsVerified": "2026-07-31", "regulatoryNote": "One legal channel and an unusually explicit attack on everything else. Promosport, supervised by the Ministry of Youth and Sports, is the only lawful online sports betting operator; every other site serving Tunisians is illegal, and winnings on the legal channel carry a 25% tax. A bill submitted to the Assembly of the Representatives of the People in January 2026 criminalises using and promoting unlicensed digital platforms, with one to five years' imprisonment and fines up to TND 500,000. The payments clauses are the sharpest in this taxonomy: internet providers and electronic payment firms are both legally mandated to block gambling portals and restrict the associated financial transactions, the central bank prohibits crypto betting outright, and the 2026 legislation adds AI-driven monitoring to flag and block mobile payments heading to offshore crypto gambling sites.", "methods": [ { "name": "Promosport channel (local cards and cash)", "type": "local-card", "importance": "dominant", "note": "The only compliant rail, and it belongs to the state operator — there is nothing here for a third-party PSP to acquire." }, { "name": "Cash", "type": "voucher/cash", "importance": "major", "note": "Over-the-counter at Promosport points; also the fallback for players avoiding the monitored digital rails." }, { "name": "Offshore cards and wallets", "type": "wallet", "importance": "minor", "note": "Actively targeted: payment firms are mandated to restrict these transactions, so decline and freeze risk is a policy outcome rather than an accident." }, { "name": "Crypto", "type": "other", "importance": "minor", "note": "Prohibited by the central bank for betting, and specifically targeted by the 2026 AI monitoring of mobile payments to offshore crypto sites." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "DZ", "market": "Algeria", "region": "MENA", "dominantRailFamily": "voucher-cash", "dominantMethods": [ "State channels (PSA lottery, PMU Algérie)" ], "status": { "sportsbook": "banned-processing", "casino": "banned-processing" }, "currency": "DZD", "regulator": { "name": "State monopoly: PSA lottery and PMU Algérie" }, "tax": null, "licence": "No route; Law 18-05 (2018) prohibits online gambling", "enforcementReaches": [ "isp", "payment" ], "factsVerified": "2026-07-31", "regulatoryNote": "Closed on every axis. The Civil and Penal Codes plus Law 18-05 of 2018 prohibit online casino, sports betting and poker; the Family Code, drawing on Sharia, bans games of chance generally. Legal gambling exists only as a state monopoly: the PSA lottery and the PMU Algérie horse tote. Enforcement runs at the infrastructure layer with ISP and payment blocking against offshore operators, and it tightened further in 2025 — a law criminalised using VPNs and crypto to reach offshore sites, and Law No. 25-10, signed 24 July 2025, bans the use of any cryptocurrency outright. For an operator this is not a grey market to price; it is a market with no compliant rail at all.", "methods": [ { "name": "State channels (PSA lottery, PMU Algérie)", "type": "voucher/cash", "importance": "dominant", "note": "The only lawful gambling money in the country, and it moves inside state operators rather than through any acquirable rail." }, { "name": "Offshore cards", "type": "local-card", "importance": "minor", "note": "Subject to active payment blocking; treat attempted volume as leakage, not a channel." }, { "name": "Crypto", "type": "other", "importance": "minor", "note": "Banned outright by Law No. 25-10 of 24 July 2025, and using it to reach offshore sites was separately criminalised — the rare market where the crypto fallback is itself illegal." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "JM", "market": "Jamaica", "region": "LATAM", "dominantRailFamily": "voucher-cash", "dominantMethods": [ "Paymaster" ], "status": { "sportsbook": "regulated", "casino": "offshore" }, "currency": "JMD", "regulator": { "name": "Betting, Gaming and Lotteries Commission", "abbr": "BGLC" }, "tax": null, "licence": null, "enforcementReaches": null, "factsVerified": "2026-07-31", "regulatoryNote": "The Betting, Gaming and Lotteries Commission regulates the sector, and the legal online perimeter covers sports betting and lotteries — online casino is not part of it, so that vertical runs offshore. The interesting part for a payment stack is how domestic the deposit rails are: Jamaica's bill-payment culture routes through Paymaster, and the bank layer is a short list of local institutions rather than international acquirers.", "methods": [ { "name": "Paymaster", "type": "voucher/cash", "importance": "dominant", "note": "Jamaica's leading bill-payment network, integrated into betting cashiers as a deposit route. A genuinely local rail that an offshore acquirer cannot reach." }, { "name": "Local bank transfer (NCB, Scotiabank Jamaica, First Global)", "type": "bank-transfer", "importance": "major", "note": "Direct transfers from the main Jamaican banks; the route for larger amounts." }, { "name": "Local cards (Visa / Mastercard, JMD)", "type": "local-card", "importance": "major", "note": "Card acceptance inside the licensed perimeter." }, { "name": "Skrill and crypto", "type": "wallet", "importance": "minor", "note": "Present mostly on the offshore-facing casino side that the Commission's perimeter does not cover." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [ "/methods/skrill" ] } }, { "iso2": "IL", "market": "Israel", "region": "MENA", "dominantRailFamily": "local-card", "dominantMethods": [ "Toto / Mifal HaPais channels (local cards, ILS)" ], "status": { "sportsbook": "monopoly", "casino": "banned-processing" }, "currency": "ILS", "regulator": { "name": "Israel Sports Betting Board / Mifal HaPais", "abbr": "ISBB" }, "tax": null, "licence": "No route outside the two state bodies (Penal Law 5737-1977)", "enforcementReaches": [ "isp", "payment" ], "factsVerified": "2026-07-31", "regulatoryNote": "Penal Law 5737-1977 makes almost all gambling illegal, with two state-controlled exceptions: Mifal HaPais, the national lottery running since 1951 under Ministry of Finance supervision, and the Israel Sports Betting Board, whose Toto product does accept bets online through its official site. Everything else is prohibited, and the enforcement is specifically financial: ISP blocking and search-result filtering have been lawful practice since mid-2017, and local banks routinely block or restrict transactions to gambling sites. For an operator this is the clearest case in the taxonomy of a market where the payment layer, not the licence layer, is what actually stops you.", "methods": [ { "name": "Toto / Mifal HaPais channels (local cards, ILS)", "type": "local-card", "importance": "dominant", "note": "The only compliant rails, and both belong to state bodies — there is nothing here for a third-party PSP to acquire." }, { "name": "Offshore cards", "type": "local-card", "importance": "minor", "note": "Israeli banks block or restrict gambling-coded transactions as standard practice, so cross-border card volume is leakage with a high decline and freeze profile rather than a channel." }, { "name": "E-wallets and crypto", "type": "wallet", "importance": "minor", "note": "The workaround layer players use precisely because the bank layer is closed to them." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "LB", "market": "Lebanon", "region": "MENA", "dominantRailFamily": "local-card", "dominantMethods": [ "USD cash and cards" ], "status": { "sportsbook": "monopoly", "casino": "monopoly" }, "currency": "USD / LBP", "regulator": { "name": "Casino du Liban concession (Law No. 417/1995) and La Libanaise des Jeux" }, "tax": null, "licence": "Exclusive land-based concession expiring 2026", "enforcementReaches": [ "isp" ], "factsVerified": "2026-07-31", "regulatoryNote": "A monopoly with an expiry date that lands this year. Casino du Liban in Jounieh has held the exclusive land-based licence since 1959, extended by Law No. 417 of 1995 through 2026, alongside the state lottery run by La Libanaise des Jeux — so the concession that has defined Lebanese gambling for six decades is up for renewal or reshaping right now, which is the single thing worth watching here. Online is closed on paper: in 2013 the Ministry of Justice directed internet providers to block offshore gambling sites, largely to protect the casino's revenue. In practice the blocking is inconsistent, many international platforms stay reachable, VPN use is routine, and no prosecutions of Lebanese players are documented.", "methods": [ { "name": "USD cash and cards", "type": "local-card", "importance": "dominant", "note": "After the currency collapse the dollar does the work; the licensed venue quotes pound conversions at the cash desk and takes Visa and Mastercard, and dollar pricing is the norm across the economy." }, { "name": "Lebanese pound (LBP)", "type": "bank-transfer", "importance": "minor", "note": "Still used, still converted at the desk rate — a residual rail rather than a pricing base." }, { "name": "Offshore cards and e-wallets", "type": "wallet", "importance": "major", "note": "How Lebanese players actually reach international sites past the 2013 ISP directive; enforcement is inconsistent enough that the rail persists." }, { "name": "Crypto", "type": "other", "importance": "minor", "note": "A predictable rail in an economy that lost confidence in its own banking system." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "IQ", "market": "Iraq", "region": "MENA", "dominantRailFamily": "wallet", "dominantMethods": [ "ZainCash", "FastPay" ], "status": { "sportsbook": "offshore", "casino": "offshore" }, "currency": "IQD / USD", "regulator": { "name": "None; 1969 Penal Code prohibits gambling, unenforced" }, "tax": null, "licence": null, "enforcementReaches": [ "none" ], "factsVerified": "2026-07-31", "regulatoryNote": "Prohibited on paper and unenforced in practice. The 1969 Penal Code bans every form of gambling, land-based and online, but authorities do not proactively pursue it and players reach offshore sites without consequence. What makes Iraq worth mapping rather than dismissing is that a real local payment layer grew up around that traffic: telecom and fintech wallets that betting sites integrate directly, which is unusual for a market with no licensing route at all.", "methods": [ { "name": "ZainCash", "type": "wallet", "importance": "dominant", "note": "Zain's Iraqi mobile wallet, launched 2018, with high transaction limits and direct integration into casino and sports-betting cashiers. The closest thing this market has to a domestic rail." }, { "name": "FastPay", "type": "wallet", "importance": "dominant", "note": "Local Iraqi e-wallet established 2017, settling in USD: roughly $5 minimum deposit and $10 minimum withdrawal, instant in, up to 24 hours out." }, { "name": "NassPay", "type": "wallet", "importance": "minor", "note": "Third domestic wallet appearing on the same cashiers." }, { "name": "Skrill / Neteller and crypto", "type": "wallet", "importance": "major", "note": "The international layer beside the local wallets, used where operators have not integrated the Iraqi ones." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [ "/methods/skrill", "/methods/neteller" ] } }, { "iso2": "TT", "market": "Trinidad and Tobago", "region": "LATAM", "dominantRailFamily": "local-card", "dominantMethods": [ "Local cards (Visa / Mastercard, TTD)" ], "status": { "sportsbook": "regulated", "casino": "regulated" }, "currency": "TTD", "regulator": { "name": "Gambling Control Commission", "abbr": "GCCTT", "url": "https://gcctt.org" }, "tax": null, "licence": "Gambling (Gaming and Betting) Control Act 2021; regulations still in draft", "enforcementReaches": null, "factsVerified": "2026-07-31", "regulatoryNote": "The Gambling (Gaming and Betting) Control Act 2021 created the Gambling Control Commission as an independent regulator and put the whole commercial sector — casinos, gaming establishments, betting shops and machine operators — behind licences, each with its own tax treatment. The Commission has been standing the regime up since, with draft regulations published rather than a finished rulebook, so this is a market mid-build: the licensing architecture exists, the operating detail is still settling.", "methods": [ { "name": "Local cards (Visa / Mastercard, TTD)", "type": "local-card", "importance": "dominant", "note": "The default rail inside the licensed perimeter, acquired through Trinidadian banks." }, { "name": "Local bank transfer (TTD)", "type": "bank-transfer", "importance": "major", "note": "Domestic clearing for larger amounts." }, { "name": "Cash at betting shops", "type": "voucher/cash", "importance": "major", "note": "The retail estate the 2021 Act licences doubles as a deposit network, the usual pattern where online grows out of betting shops." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "BW", "market": "Botswana", "region": "Africa", "dominantRailFamily": "mobile-money", "dominantMethods": [ "Orange Money" ], "status": { "sportsbook": "offshore", "casino": "offshore" }, "currency": "BWP", "regulator": { "name": "Botswana Gambling Authority", "abbr": "BGA" }, "tax": null, "licence": "No locally licensed online sportsbook exists; platforms run on foreign licences", "enforcementReaches": null, "factsVerified": "2026-07-31", "regulatoryNote": "The Botswana Gambling Authority governs land-based gambling, and its online remit is thin: as of 2026 no locally licensed online sportsbook exists, so every platform serving Botswana players runs on a foreign licence, most often Curaçao. That makes this an offshore-serve market with a domestic payment layer — the reverse of the usual African pattern, where the licence comes first and the rails follow.", "methods": [ { "name": "Orange Money", "type": "mobile-money", "importance": "dominant", "note": "Operated by Orange under Bank of Botswana regulation and the most widely accepted rail among bookmakers serving the market — the domestic layer offshore operators actually integrate." }, { "name": "Local cards (Visa / Mastercard, BWP)", "type": "local-card", "importance": "major", "note": "Cross-border acceptance with the decline profile of an unlicensed vertical." }, { "name": "Bank transfer (BWP)", "type": "bank-transfer", "importance": "minor", "note": "Used for larger amounts where the operator supports it." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "NA", "market": "Namibia", "region": "Africa", "dominantRailFamily": "local-card", "dominantMethods": [ "Local cards (Visa / Mastercard, NAD)" ], "status": { "sportsbook": "offshore", "casino": "offshore" }, "currency": "NAD", "regulator": { "name": "Casino Board (Casino and Gambling House Act 1994)" }, "tax": null, "licence": "No online regime; draft Gaming and Entertainment Control Bill unapproved", "enforcementReaches": null, "factsVerified": "2026-07-31", "regulatoryNote": "Namibia regulates on a 1990s statute that never anticipated the internet. The Casino and Gambling House Act of 1994 underpins roughly 260 gambling-house licences and three casino licences issued through the Casino Board, with no online regime attached; a draft Gaming and Entertainment Control Bill has been proposed to replace it but has not been approved. Until it is, online play runs offshore against a land-based framework that has no answer for it.", "methods": [ { "name": "Local cards (Visa / Mastercard, NAD)", "type": "local-card", "importance": "dominant", "note": "The Namibian dollar is pegged to the rand and South African banking reaches deep into the market, so card acceptance is the practical default on offshore sites." }, { "name": "Bank transfer / EFT (NAD, ZAR)", "type": "bank-transfer", "importance": "major", "note": "The regional South African EFT habit carries over; a provider with South African rails reaches Namibia more easily than one without." }, { "name": "E-wallets", "type": "wallet", "importance": "minor", "note": "The usual offshore layer where cards decline." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } }, { "iso2": "MD", "market": "Moldova", "region": "Europe", "dominantRailFamily": "local-card", "dominantMethods": [ "Local cards (Visa / Mastercard, MDL)" ], "status": { "sportsbook": "monopoly", "casino": "monopoly" }, "currency": "MDL", "regulator": { "name": "Loteria Națională a Moldovei, supervised by the Ministry of Finance and the Licensing Chamber", "abbr": "LNM" }, "tax": null, "licence": "State monopoly under Law No. 291 (2016); no route for international operators", "enforcementReaches": null, "factsVerified": "2026-07-31", "regulatoryNote": "Online was legalised in 2016 under Law No. 291 and then handed to a single operator: Loteria Națională a Moldovei, a joint-stock company under Ministry of Finance supervision, is the only domestic entity licensed to run online gambling, with the Ministry and the Licensing Chamber sharing oversight. So the online market is a state monopoly with a legalising statute rather than an open licensing regime — there is no route for an international operator to obtain a Moldovan online licence, and everything else Moldovan players reach is offshore.", "methods": [ { "name": "Local cards (Visa / Mastercard, MDL)", "type": "local-card", "importance": "dominant", "note": "The monopoly platform's primary rail, with Apple Pay and Google Pay layered on Mastercard credentials. Acquiring sits inside the state operator, so there is nothing here for a third-party PSP." }, { "name": "Bank transfer (MDL)", "type": "bank-transfer", "importance": "major", "note": "Domestic clearing for larger amounts on the licensed platform." }, { "name": "Offshore cards and e-wallets", "type": "wallet", "importance": "major", "note": "How Moldovan players reach international sites outside the monopoly, with the decline profile that implies." }, { "name": "Crypto", "type": "other", "importance": "minor", "note": "Available on the international platforms Moldovan players use, not on the licensed one." } ], "providersWithRecordedAccess": { "direct": [], "aggregated": [] }, "relatedOnSite": { "articles": [], "deadlines": [], "methodPages": [] } } ] }