MCC 7995 is the merchant category code for betting, casino gaming and lottery, and acquirers must assign it to gambling merchants under Visa and Mastercard rules. Outside the US every online gambling transaction runs under 7995. In the US, state-licensed online casinos and sportsbooks use MCC 7801 once the acquirer registers them with the scheme. Issuers read the code before they approve, so it drives gambling blocks, extra fraud screening and more 3DS challenges.

Why are card deposits declined so often at online casinos?

The issuer sees MCC 7995 and treats the deposit as high risk. Some issuers block gambling on the card outright and return code 62, others score the authorization harder or send it to a full 3DS challenge, and a card acquired in another country reads as cross-border gambling. Some issuers also book gambling on a credit card as a cash advance. Local acquiring, SCA exemptions and a cascade to a second acquirer deal with the causes an operator controls.

Which card decline codes should a casino retry?

Visa Category 1 codes (04, 07, 12, 14, 15, 41, 43, 57 and R0, R1, R3) are never retried, and neither are Mastercard MAC 03 and 21. Code 51 (insufficient funds) clears best after 24 hours, and codes 91 and 96 (issuer or system unavailable) go straight to a second acquirer. Visa charges $0.10 for each reattempt above 15 in 30 days on domestic transactions and $0.15 cross-border, and since January 2026 Mastercard charges $0.03 on every card-not-present decline that carries MAC 03 or 21.

How much does card processing cost in iGaming?

Deposit rates run 1-2.9% at Paysafe, 1.5-3.5% at Nuvei and 1.5-3.5% at Worldpay, while high-risk books pay 2-5% at Latpay and 2-5% at CommerceGate. Adyen prices on interchange++ at 0.6% + interchange. EEA consumer interchange is capped at 0.2% for debit and 0.3% for credit, MCC 7995 included. Reserves tie up cash on top of the fees, 5-10% for 6 months at Nuvei and 8-15% for 6 months at Worldpay.

Which countries ban credit cards for gambling?

Belgium (2019), the UK (April 14, 2020), Australia (June 2024), Ireland (February 5, 2026) and Sweden (May 1, 2026) ban credit cards for gambling, and Sweden extends the ban to overdrafts, personal loans and BNPL. In the US, Maine, Massachusetts, Vermont, Tennessee and Illinois bar licensed operators from taking credit cards, while debit stays allowed. Brazil banned credit cards for licensed betting on January 1, 2025, and on September 25, 2026, it banned sports betting and online casino outright. Pennsylvania's SB 265 would ban credit card deposits for iGaming but has sat in committee since February 20, 2025.

What is push-to-card?

Push-to-card sends a payout to the player's card as an original credit transaction (OCT) through Visa Direct or Mastercard Send. An issuer in Visa's Fast Funds program makes the money available within 30 minutes of approval, and within 60 seconds for a domestic US transaction. Under Visa rules, gambling winnings go out only as OCTs, and in Europe they must go back to the card that placed the winning wager. Nuvei pushes up to €50k per transaction and $50k per card per day on Visa, while a card refund at Nuvei takes 3-5 business days.

How do I improve my 3DS conversion rate?

Send the full EMV 3DS data set (device, browser, IP address, email and account history) so the issuer can approve without a challenge. Ask your acquirer to apply TRA to returning players with a clean history, and let deposits under €30 run under the low-value exemption until the cumulative caps trigger. When a challenge fails, offer a local method on the same screen.

Does local acquiring raise card approval rates?

It does, because the issuer sees a domestic payment instead of a cross-border gambling transaction and screens it less harshly. Before you sign, check your top markets against the acquirer's direct list. Nuvei acquires gambling payments directly in 17 markets, Paysafe in 12, Worldpay in 11 and Adyen in eight.

Who acquires cards for offshore or high-risk casinos?

Nuvei, Paysafe and Worldpay take Curacao-licensed operators, while Adyen, Checkout.com and Worldline refuse offshore licensees and emerchantpay serves only UKGC, MGA and Ontario licensees. For a book the mainstream turns down, Latpay routes card deposits across 80+ gambling-friendly acquiring banks at 2-5%, and CommerceGate acquires for Curacao licensees run from an EU entity at 2-5% from $50k a month, with a 0.7% portfolio chargeback ratio.

Updated Oct 10, 2026

Every Third Card Deposit Never Reaches Your Balance

Q: Can I use a different MCC to get more card deposits approved?

No. Coding gambling under another MCC breaks Visa and Mastercard rules. Mastercard charges the acquirer up to $10,000 for each unregistered gambling or skill-game merchant, then $5,000 a month for 3 months and $25,000 a month after that, and Visa fines an acquirer $25,000 per merchant per month for altering merchant data to slip past its risk programs. Acquirers close such accounts and add the merchant to MATCH.

Outside the US, every card deposit at a casino or sportsbook carries MCC 7995, and issuers, card schemes and acquirers all treat that code as high risk. Issuers read it before they approve, so a card that clears at any other merchant can still be refused at the cashier.

The issuer makes the decline decision, so an operator's levers are the ones that change what the issuer sees: a domestic acquirer, SCA exemptions that skip the challenge, and a retry that follows the response code instead of a fixed loop.

In the EEA, consumer card interchange is capped for gambling merchants the same as for any other, so a European operator's negotiation is over the acquirer's margin and the reserve.

On withdrawals, push-to-card through Visa Direct reaches the player within 30 minutes when the issuer is in Visa's Fast Funds program, while a card refund takes business days and cannot carry winnings above the deposit.

11
Jurisdictions that ban credit cards for gambling: 0.2% / 0.3%
EEA interchange cap, debit and credit: 1.5%
Visa VAMP excessive threshold since April 1, 2026: Up to $10,000
Mastercard charge per unregistered gambling merchant

Nuvei

iGaming-friendly

Nuvei acquires gambling payments directly in 12 European markets and five in the Americas, and it sells gateway, acquiring, routing, player payouts and fraud screening under one contract. In the US it processes for state-licensed operators under its own gaming vendor registrations. It fits groups licensed in three or more of those markets that process $500k or more a month and would otherwise run four or five payment vendors. Pricing is set per deal, and the capital terms decide the economics: Nuvei holds a 5-10% rolling reserve for 6 months and settles to the operator T+2 to T+7. Outside those markets it reaches players through aggregated local methods or open banking.

EU, NA, LA, AS, ME, AF, Global720+ APMsT+2 to T+7Montreal, Canada3.5/5

Paysafe

iGaming-friendly

Paysafe is a London-based, NYSE-listed PSP that acquires gambling payments directly in 12 markets and owns the Skrill, Neteller and PaysafeWallet wallets, which had 7.8M active users in Q4 2025. It sells gateway processing, card acquiring and payouts next to those wallets and the paysafecard voucher, and 888, PokerStars, William Hill and DraftKings are among its clients. The fit is a licensed casino or sportsbook moving $250k or more a month whose players already deposit with Skrill or Neteller, because one contract then covers the cards and the wallets. That access comes at a heavy price, since a 7-12% reserve sits with Paysafe for 6 months. Crypto is where the fit ends, because Pay with Crypto works only in regulated US cashiers and Paysafe settles operators in fiat alone.

EU, NA, LA260+ APMsT+31.4/5

Worldpay

iGaming-friendly

Worldpay is a card acquirer that has processed UK online gambling since 1997 and acquires gambling deposits directly in 11 markets: the UK, eight EU markets, the US and Canada. Over 200 gaming operators process with it, bet365, DraftKings, FanDuel, Entain and Flutter among them. It fits licensed operators with $750k or more a month in UK, European and North American card volume. Entry is expensive: an 8-15% reserve held for 6 months, settlement on T+2 to T+7 and a 12-month lock-in. Outside Europe and North America the gambling footprint stops at Mexico, and players cannot deposit crypto.

EU, NA, LA, AS, ME300+ APMsT+2 to T+74.2/5

Adyen

Regulated-only

Adyen is a Euronext-listed Dutch bank that processed EUR 1.39 trillion in 2025 and acquires gambling card payments in its own name, plus local gambling methods in eight European markets. One in-house platform carries its gateway, risk engine, acquiring and settlement, and the bank holds an ECB license with branches in the UK and the US. It boards licensed, enterprise-scale operators only, from $1M a month in processing, and settles T+1 to T+3. Pricing runs on interchange++, which passes card-network interchange and scheme fees through and adds Adyen's markup plus high-risk uplifts for gambling. Adyen prohibits US-based gambling and takes no crypto, so it works as the card leg of a stack next to a crypto provider, with the operator building its own responsible-gaming tools and platform integration. Nuvei boards from $500k+ and serves US-licensed operators, so it takes the books between $500k and $1M a month and the US books that Adyen turns away.

EU, NA, AS, ME, AF, Global250+ APMsT+1 to T+31.3/5

What MCC 7995 Means for Gambling Card Payments

MCC 7995 (Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting and Wagers at Race Tracks) is the code acquirers must assign to gambling merchants under Visa and Mastercard rules. Outside the US every online gambling transaction runs under it, even for a merchant whose main business is something else. In the US, state-licensed online casinos and sportsbooks use MCC 7801 and licensed horse and dog racing uses 7802, but only after the acquirer registers the merchant with the scheme, and on Mastercard an unregistered US gambling merchant stays on 7995. Real-money skill games use other codes. Visa codes skill-game wagering such as daily fantasy sports as MCC 5816 and lists it as high integrity risk, while Mastercard requires MCC 7994 plus registration for skill games that take US cards.

How Issuers and Schemes Treat MCC 7995

What happens	Why	Effect
Issuer gambling blocks	Some issuers refuse every MCC 7995 authorization on a card	Code 62 declines that no retry clears
Tighter fraud screening	Issuers score MCC 7995 traffic as high risk	More fraud declines than on retail traffic
More 3DS challenges	Issuers send more 7995 traffic to a full challenge	Players drop out at the challenge screen
Credit card treatment	Some issuers book gambling on a credit card as a cash advance	More credit declines than debit, and cash-advance fees for the player
Interchange	Regulation caps EEA consumer card interchange, MCC 7995 included	No gambling premium on capped cards, while commercial and non-EEA cards cost more
Chargeback monitoring	Visa VAMP has counted fraud reports and disputes in one ratio since April 2025	Excessive at 1.5% of card-not-present transactions in the US, EU, Canada and Asia Pacific since April 1, 2026, and at 2.2% in CEMEA
Cross-border scrutiny	Issuers screen a gambling transaction acquired abroad harder than a domestic one	Lower approval than domestic acquiring

Gambling MCC Miscoding Penalties

Coding gambling under a non-gambling MCC breaks Visa and Mastercard rules, and the schemes fine the acquirer. Mastercard charges up to $10,000 for each unregistered gambling or skill-game merchant, then $5,000 a month for 3 months and $25,000 a month after that. Visa fines $25,000 per merchant per month for altering merchant data to slip past its VIRP and VAMP risk programs. Acquirers close such accounts and list the merchant on MATCH, which other acquirers check before they board a new merchant.

Card Decline Codes in iGaming and When to Retry

Visa sorts decline responses into four categories, each with its own retry rule, and Mastercard adds a Merchant Advice Code (MAC) that tells the merchant whether and when to try again. The response code should drive the retry logic, and IXOPAY, Primer and Worldpay's orchestration all return it in their webhook payloads.

Card Decline Reasons in iGaming

Code	Visa category	Retry?	What to do
05 Do not honor	4	Yes	The issuer gives no reason. Retry through a second acquirer or offer a local method on the decline screen.
51 Insufficient funds	2	Later	Retry after 24 hours, the wait Mastercard MAC 25 asks for, or offer a smaller amount right away.
62 Restricted card	2	No	Visa allows a retry, but an issuer that blocks gambling declines again. Offer a local method instead.
57 Not permitted to cardholder	1	No	Visa bars any retry, since the restriction sits on the card itself.
04, 07, 41, 43 Pickup, lost or stolen	1	No	Never retry. A retry can file a TC40 fraud report that counts toward VAMP.
14 Invalid account number	1	No	Ask the player to re-enter the number or switch cards.
54 Expired card	3	After update	Refresh the credential through an account updater or a network token, then retry.
91, 96 Issuer or system unavailable	2	Yes	Cascade at once to a second acquirer while the player is still in the cashier.

What Card Declines Cost an Operator

A decline loses the deposit, and a badly handled one costs more on top. Visa charges $0.10 for each reattempt above 15 in 30 days on a domestic card and $0.15 cross-border. Since January 2026 Mastercard charges $0.03 on every card-not-present decline that carries MAC 03 or 21, before any retry. A retry on a lost or stolen card can also file a TC40 fraud report, and TC40 reports count toward the 1.5% VAMP threshold.

Card Processing Fees for Gambling Merchants

Card Fees an Operator Pays

Interchange

Paid to the issuer. It is the only card fee that regulation caps, at 0.2% on EEA consumer debit and 0.3% on credit.

0.2% / 0.3%

Scheme fees

Visa and Mastercard bill the acquirer, and interchange++ pricing shows them as their own line.

Pass-through

Acquirer fee

Adyen charges 0.6% + interchange. Paysafe quotes 1-2.9% and Nuvei 1.5-3.5% as one blended rate. Worldpay charges 1.5-3.5% and opens interchange-plus pricing at its $1M and $2M monthly tiers.

Per contract

Payout fee

Nuvei charges 1-2.5% per player payout and Paysafe 1-2%.

Per payout

FX markup

Applies when the card and settlement currencies differ. Nuvei adds 0.5-1.5%, Paysafe 1-1.5% and Worldpay 1-2%, and Adyen bills interbank + 0.3-0.8%.

Cross-currency

Chargeback fee

Charged on top of the lost deposit, and a fraud-coded dispute counts twice toward Visa VAMP, once as a TC40 fraud report and once as a TC15 dispute.

Per dispute

Rolling reserve

Money held back from settlement and released after the hold. Nuvei keeps 5-10% for 6 months, Paysafe 7-12% for 6 months and Worldpay 8-15% for 6 months.

Returned later

Interchange Rates for MCC 7995 Cards

Card type	Interchange	Rule
EEA consumer debit	0.2%	EU Interchange Fee Regulation cap
EEA consumer credit	0.3%	EU Interchange Fee Regulation cap
UK consumer debit	0.2%	UK domestic cap
US regulated debit	0.05% + $0.21	Durbin amendment cap
US credit	Uncapped	Visa and Mastercard rate schedules
Commercial and non-EEA cards in Europe	Uncapped	Outside the regulation's caps

On capped cards a gambling merchant pays the same interchange as any other, and the high-risk premium sits in the acquirer's fee. Interchange++ pricing shows each component on the statement, while a blended rate folds them into one number.

3DS and SCA Exemptions for iGaming Deposits

SCA Exemptions That Skip the 3DS Challenge

Exemption	Rule	Use case	Catch
Low value	Under €30, until €100 in total or 5 payments since the last authentication	Small deposits	Liability on the merchant
Transaction risk analysis (TRA)	Acquirer's fraud rate under the regulatory threshold	Returning players with a clean history	Liability on the merchant
Recurring	Same amount to the same payee after the first authenticated payment	Fixed scheduled deposits	Rarely fits gambling deposits
Trusted beneficiary	Player whitelists the operator with the bank	Loyal returning players	Player must opt in

TRA and the low-value exemption fit casino deposits best, because a recurring series rarely matches how players deposit and trusted beneficiary waits on the player to act at the bank. Under TRA the acquirer skips the challenge for a returning player while its own fraud rate stays under the regulatory threshold. Both leave the fraud liability with the merchant, so they pay off on players with a clean deposit history.

Card Routing and Retries for Gambling Deposits

Local Acquiring for Gambling Card Deposits

Spanish card → Spanish acquirer

The issuer sees a domestic payment.

Spanish card → UK acquirer

The issuer sees cross-border gambling and screens it harder.

Routing each card to an acquirer in its own country is the first fix for cross-border declines. Nuvei acquires gambling payments directly in 17 markets, Paysafe in 12, Worldpay in 11 and Adyen in eight. A book whose markets no single acquirer covers runs two or more of them behind an orchestrator.

Cascades and Scheduled Retries

1st attempt: Primary acquirer → DECLINED (soft)

| automatic, same session

2nd attempt: Secondary acquirer → APPROVED

Cascade. An instant retry through a second acquirer for do-not-honor and outage codes (05, 91, 96).

Scheduled retry. Code 51 after 24 hours, or after the 1-hour or 24-hour wait that Mastercard MAC 24 or 25 asks for.

Never retry. Visa Category 1 codes such as 04, 07, 14, 41, 43 and 57, and Mastercard MAC 03 and 21.

Credit Card Bans for Gambling by Country

Jurisdiction	Status	In force since	What is banned
Belgium	Full ban	2019	Credit cards for online gambling, e-wallets topped up by credit card included.
United Kingdom	Full ban	April 14, 2020	Credit cards for every online and offline gambling product except non-remote lotteries. Debit allowed.
Australia	Full ban	June 2024	Credit cards for online gambling.
Massachusetts, Tennessee, Vermont (US)	Full ban	Before 2025	Credit cards for funding licensed betting accounts. Debit allowed.
Brazil	Full ban	January 1, 2025	Credit cards for licensed betting from January 1, 2025, with debit and prepaid allowed. Since September 25, 2026, every payment rail is closed to betting except refunds to bettors and the wind-down of operators' books.
Illinois (US)	Full ban	2025	Credit cards for funding sports betting accounts. Debit allowed.
Ireland	Full ban	February 5, 2026	Credit cards for gambling. Remote betting operators have held GRAI licenses since July 1, 2026.
Sweden	Full ban	May 1, 2026	Credit cards, overdrafts, personal loans and BNPL at licensed operators. Only the player's own funds remain.
Maine (US)	Full ban	July 29, 2026	Credit cards for licensed online sports betting and iGaming under LD 2080.

Germany has no card ban, and credit cards work there inside the €1,000 monthly deposit limit that covers every payment method. Pennsylvania's SB 265 would ban credit card deposits for iGaming but has sat in committee since February 20, 2025, while DraftKings and FanDuel have dropped credit cards on their own, FanDuel from March 2, 2026. A cashier enforces a ban with a BIN lookup, which tells a credit card from debit and prepaid before the authorization goes out. The compliance guide sets out the wider payment rules market by market.

Push-to-Card Payouts for Casino Withdrawals

Push-to-Card vs Card Refund

	Card refund	Push-to-card
Speed	3-5 business days at Nuvei, 5-7 business days at Worldpay	Within 30 minutes on Visa Fast Funds issuers, 60 seconds for a domestic US Visa OCT
Mechanism	Reverses the original deposit	A new original credit transaction (OCT)
Amount	Up to the deposit, so winnings cannot ride on it	Winnings included, up to the acquirer's limit (€50k per transaction at Nuvei)
Destination	The card used for the deposit	In Europe, the card that placed the winning wager

Which Payout Rail Fits Which Player

Deposited by card and wants the money fast

Push-to-card through Visa Direct or Mastercard Send

EU player who deposited by open banking

Open banking payout to the same bank account

US player

Push-to-card, RTP or ACH

Canadian player

Interac e-Transfer or Interac eCashout

Crypto player

Crypto payout in the coin the player deposited

Payout above the card limit

Bank transfer, since Nuvei caps Visa payouts at $50k per card per day

The payout solutions guide covers the payout rails beyond cards.

Nuvei vs Adyen vs Worldpay vs Paysafe for iGaming Card Acquiring

Term	Nuvei	Adyen	Paysafe	Worldpay
Direct gambling acquiring markets	17	8	12	11
Takes US state-licensed operators	Yes	No	Yes	Yes
Takes Curacao-licensed operators	Yes	No	Yes	Yes
Deposit pricing	1.5-3.5%	0.6% + interchange	1-2.9%	1.5-3.5%
Payout pricing	1-2.5%	Custom	1-2%	Custom
Rolling reserve	5-10% for 6 months	3-8% for 3-6 months	7-12% for 6 months	8-15% for 6 months
Minimum monthly volume	$500k+	$1M+	$250k+	$750k+
Contract lock-in	12 months	12-24 months	6-12 months	12 months
Gambling onboarding	2-4 weeks	4-8 weeks	3-6 weeks	4-6 weeks
Settlement to operator	T+2 to T+7	T+1 to T+3	T+3	T+2 to T+7
Player payout speed	Real-time	Same-day	<24h	24-48h
Card refund to player	3-5 business days	3-5 business days	Up to 5 business days	5-7 business days
Score

NuveiCAStrong

DraftKings, FanDuel and BetMGM process with Nuvei, which acquires gambling payments directly in 17 markets.

Strengths

Acquires gambling payments directly in 12 European markets and five in the Americas (the US, Canada, Mexico, Colombia and Argentina), out of local acquiring in 52 markets.

Holds its own gaming vendor registration in New Jersey, Pennsylvania, Michigan, Colorado, Indiana and West Virginia.

Takes operators licensed by the MGA, the UKGC, Curacao, the Isle of Man and US state regulators on one contract.

Pays players in real time through Visa Direct and Mastercard Send, up to €50k per transaction and $50k per card per day on Visa.

Built-in orchestration routes each transaction, and its risk tooling runs AI fraud scoring, 3D Secure and chargeback mitigation.

Boards gambling merchants in 2-4 weeks, against 3-6 weeks at Paysafe and 4-6 weeks at Worldpay.

Weaknesses

Deposits cost 1.5-3.5% and payouts 1-2.5%.

Rolling reserve of 5-10% for 6 months. The contract runs 12 months.

Settles to the operator T+2 to T+7, against T+1 to T+3 at Adyen.

Minimum volume of $500k+ a month.

Best for: Groups licensed in several of Nuvei's 17 direct markets, US states included, that clear the $500k+ monthly minimum.

Full review

Adyen

EUR 1.39 trillion processed in 2025 on its own banking license, priced on interchange++.

Strengths

Bank and acquirer on one in-house platform under an ECB banking license, with branches in the UK and the US.

Interchange++ at 0.6% + interchange, so each payment shows the network, issuer and Adyen fees separately.

Runs local gambling methods on its own acquiring in eight markets: the Netherlands, the UK, Spain, Portugal, Belgium, Austria, Denmark and Poland.

Settles T+1 to T+3 and pays players out same-day.

Adyen Uplift runs AI fraud scoring on data from across its merchant base, and EveryMatrix and Bragg connectors come pre-built.

Weaknesses

Takes only licensed enterprise operators under MGA, UKGC, Australian or Canadian licenses, from $1M+ a month.

Prohibits US-based gambling, so a US state-licensed book cannot board.

All-in gambling card cost runs above 2.1%, and above 3.1% on the highest-interchange cards.

Onboarding takes 4-8 weeks, and the contract runs 12-24 months.

Best for: Licensed enterprise operators that clear the $1M+ monthly minimum and want interchange++ pricing.

Full review

WorldpayNLSolid

UK online gambling acquirer since 1997 and part of Global Payments since January 12, 2026. bet365, DraftKings, FanDuel, Entain and Flutter are clients.

Strengths

Acquires gambling deposits directly in 11 markets: the UK, eight EU markets, the US and Canada.

Over 200 gaming operators process with it, Ladbrokes, Coral, Paddy Power and Sky Betting & Gaming among them.

Gaming registrations in five US states, with ACH, eCheck, RTP and push-to-card payouts for US books.

Weaknesses

Rolling reserve of 8-15% for 6 months. The contract runs 12 months.

Minimum volume of $750k+ a month, against $500k+ at Nuvei and $250k+ at Paysafe.

Settles T+2 to T+7, and player payouts take 24-48h.

Beyond Europe, the US and Canada, its gambling coverage reaches only Mexico, through an aggregated rail.

Best for: Licensed operators with UK, European and North American card volume that clears the $750k+ monthly minimum.

Full review

PaysafeFRSolid

Card acquiring plus Skrill and Neteller, from a group whose wallets had 7.8M active users in Q4 2025.

Strengths

Skrill and Neteller bring 3.4M active wallet users into the same contract as the cards.

Acquires gambling payments directly in 12 markets, Mexico, Colombia, Peru, Chile and Ecuador among them.

888, PokerStars, William Hill and DraftKings are clients.

Serves UKGC, MGA, Curacao, Alderney and US state licensees from FCA and Central Bank of Ireland e-money licenses.

Boards books moving $250k+ a month, the lowest minimum of the four.

Weaknesses

Rolling reserve of 7-12% for 6 months. The contract runs 6-12 months.

Deposits cost 1-2.9% plus $500-1,500 a month.

Coverage in Asia-Pacific and Africa is basic.

Best for: Licensed operators that clear the $250k+ monthly minimum and whose players already deposit with Skrill or Neteller.

Full review

Specialist Card Acquirers for iGaming

These acquirers serve mid-market books, offshore licensees, operators licensed in one or a few European markets and enterprise books that want another acquirer next to the four.

Provider	Role	Markets	What matters
PXP Financial	Principal acquirer with gaming roots	UK, EU, US states	Started in 2001 as CQR Payment Solutions, Bwin's in-house payments arm, and has been a Visa and Mastercard principal member since 2011. BetMGM, Entain, White Hat Gaming and Bally's process here. Deposits cost 1.5-3.0% from $250k-$500k a month, against 1.5-3.5% and $500k+ at Nuvei.
Trust Payments	UK and EU principal acquirer	UK, EU, Ontario	Visa and Mastercard principal member with its own acquiring in nine European markets, settlement at T+1 and Visa Direct and Mastercard MoneySend payouts. Betsson and Wildz are clients. It holds no gaming vendor registration in New Jersey, Pennsylvania, Michigan, Colorado, Indiana or West Virginia.
emerchantpay	In-house acquirer for mid-market books	UK, EU, Ontario	Visa and Mastercard principal member that acquires gambling payments directly in 10 markets on interchange-plus pricing, from $100k a month. Pinnacle runs its Ontario business on it. Grant Thornton resigned as its auditor in May 2023, citing governance concerns.
Checkout.com	Enterprise PSP with ML authorization	UK, Netherlands, Spain, US, Australia	Processed more than $300B in 2025, and its Intelligent Acceptance engine tunes authorization issuer by issuer. FanDuel and LiveScore Bet run on it. It refuses offshore licensees, Curacao included, at any volume, and the minimum is $1M/month.
Latpay	High-risk PSP with partner banks	Australia, UK, Canada, offshore	London PSP founded in 2001 with its own FCA and ASIC licenses. It routes casino and sportsbook card deposits across 80+ gambling-friendly acquiring banks, at 2-5% per deposit.
CommerceGate	EU high-risk acquirer	EU, LATAM	Bank of Spain payment institution since 2020 that acquires cards for offshore casinos and sportsbooks, Curacao licensees included, run from an EU entity. Its portfolio chargeback ratio is 0.7%, deposits cost 2-5% from $50k a month, and aggregated local rails cover Mexico, Colombia, Chile and Ecuador.
Worldline	European acquirer for established licensees	EU, UK	Underwrites only established UKGC and MGA brands that process EUR 5M or more a year with a clean chargeback history, and turns away Curacao and Anjouan licensees and new startups. In 2023 BaFin barred Payone, its German acquiring arm, from 450 high-risk clients, and a Belgian criminal investigation opened in June 2025 is still open.
HiPay	French payment institution	France, Belgium, Netherlands, Portugal, Italy	ACPR-authorized payment institution with Kindred (FDJ United), PMU, NetBet and Circus.be as clients. It acquires directly in Belgium, France, Portugal and Italy and fits operators licensed there or in the Netherlands.

17 Other PSPs That Take Cards

Of these 17 PSPs, 12 sell local rails first and carry cards alongside, so an operator uses them to enter a specific market and keeps its main acquirer elsewhere. Genome is absent because its card acquiring is announced and not live. Orchestrators route cards without acquiring them and sit on the orchestrator page.

Provider	Type	Regions	Settlement
Flutterwave	Local/Regional PSP	AF NA EU	T+1 to T+5
D24	Local/Regional PSP	LA NA AS AF	Not published
Pay.com	Payment Gateway / Orchestrator	EU NA ME	T+1 to T+3
PayNearMe	Full-Stack PSP	NA	T+1 to T+3
EBANX	Local Methods PSP	LA AF	T+7
PPRO	Local Payment Methods Aggregator	EU LA AS NA ME AF Global	T+2
DPO Group	Local/Regional PSP	AF ME	T+1
OKTO	Local/Regional PSP	EU LA	Not published
PayRetailers	Local LATAM PSP	LA AF	T+1 to T+3
Paystack	Local/Regional PSP	AF	T+1 to T+2
OneKey Payments	Local/Regional PSP	LA	Not published
Pavilion Payments	Regional Gaming PSP	NA	T+1 to T+3
Mercado Pago	Local/Regional PSP	LA	T+0 to T+35
TODA Pay	High-Risk PSP	EU NA ME AF AS	T+2 to T+7
Sightline Payments	Local/Regional PSP	NA	T+1 to T+2
PayU	Full-Stack PSP	EU	T+1 to T+3
Monnet	Local/Regional PSP	LA	Not published

Which Card Acquirer Fits Your Book

Licensed book under $250k a month: emerchantpay Interchange-plus acquiring from $100k a month for UKGC, MGA and Ontario licensees
Licensed in France, Belgium, Portugal or Italy: HiPay Direct acquiring in all four markets
Enterprise book, several EU markets, $1M+ a month: Adyen Interchange++ at 0.6% + interchange and its own acquiring in eight gambling markets
UK-focused operator: Worldpay or Nuvei UK gambling acquiring since 1997 at Worldpay from $750k+, direct UK acquiring at Nuvei from $500k+
US state-licensed operator: Nuvei or Worldpay Own US gaming vendor registrations and direct US acquiring
3DS exemption management: Nuvei or Adyen Nuvei Smart 3DS Routing, Adyen Uplift
Latin American expansion: Nuvei or Paysafe Direct gambling acquiring in Mexico, Colombia and Argentina at Nuvei, and in Mexico, Colombia, Peru, Chile and Ecuador at Paysafe
Cards and wallets in one contract: Paysafe Skrill and Neteller with 3.4M active users next to the card acquiring
Second acquirer for a cascade: Worldpay Direct acquiring in the UK, eight EU markets, the US and Canada gives a soft decline a second domestic route
Gaming roots below enterprise minimums: PXP or Trust Payments Bwin-born PXP from $250k-$500k, Trust Payments with T+1 settlement
Offshore book that mainstream acquirers refuse: Latpay or CommerceGate 80+ partner acquiring banks at Latpay, Curacao licensees from $50k at CommerceGate
Two or more acquirers behind one integration: IXOPAY or Corefy The orchestrator routes each payment between the acquirers

10 Steps to Raise Card Approval Rates for Gambling Deposits

Add local acquiring in your top three markets
Cross-border declines
Send full 3DS data and request TRA and low-value exemptions
Challenge drop-off
Cascade do-not-honor and outage declines to a second acquirer
Codes 05, 91 and 96
Retry insufficient funds after 24 hours, or on the wait a Mastercard MAC asks for
Code 51
Show a local method on the decline screen
Code 62 and issuer gambling blocks
Move returning players to network tokens (Visa VTS, Mastercard MDES)
Stale card credentials
Run an account updater
Expired and reissued cards
Route each BIN range to the acquirer that approves it best
Weak issuer and acquirer pairs
Stop retries on Visa Category 1 codes and Mastercard MAC 03 and 21
Retry fees and TC40 reports
Move to interchange++ pricing
Markup hidden in a blended rate

Mastercard also charges for retries on one card beyond 10 in 24 hours or 35 in 30 days, so the retry schedule in steps 3 and 4 needs a counter per card.

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