Real Money Gambling USA

As the landscape of regulated real money online gambling evolves and matures in the United States, so do the payment options that are available to players.

New Jersey currently leads the pack in regulated markets, offering players a wide variety of convenient real money payment options including global payment methods, U.S.-only payment methods, and payment methods that are tailored specifically for regulated online gambling sites in the U.S.

Success rates have been one of the biggest challenges with making online casino payments in (newly) regulated U.S. markets. As individual states legalize and regulate online gambling, it has taken some time for banks to change their policies to reflect the changes in online gambling regulations.

As more states have legalized online gambling and existing regulated markets have continued to mature, players have been experiencing fewer challenges with online casino payments and success rates have continued to improve. Some of the highest acceptance rates have been achieved by payment methods that are tailored specifically for online casinos in the U.S. like VIP Preferred e-checks, PlayPlus prepaid online casino cards, and Cash At Casino Cage payments.

Payment methods currently accepted at regulated online casinos in the U.S.: 

  • Credit cards, debit cards, prepaid cards
    • Visa
    • Mastercard
    • Discover
  • Play+ (PlayPlus) prepaid casino cards
  • ACH E-check
  • VIP Preferred e-check
  • Online bank transfer
  • Wire transfer
  • Bank check
  • PayPal
  • Skrill
  • Cash At Casino Cage
  • PayNearMe Cash
Payment Method Payment Type Deposits Instant Deposit Withdrawals
Visa/Mastercard Credit/Debit Yes Yes No
Discover Credit/Debit Yes Yes Yes (via Play+ cards)
Play+ Card Prepaid Casino Card Yes Yes Yes
Online Bank Transfer Bank payment Yes Yes No
Wire transfer Bank payment Yes No Yes
Check by mail Paper check No NA Yes
VIP Preferred e-check ACH e-check Yes Yes Yes
ACH e-check ACH e-check Yes Yes Yes
PayPal e-wallet Yes Yes Yes
Skrill e-wallet Yes Yes Yes
PayNearMe Cash Cash Yes No No
Cash At Casino Cage Cash Yes Yes Yes

Payment Methods In Regulated U.S. Markets 

Deposit and withdrawal options vary by state and by online gambling site.

New Jersey

All of the payment methods included on this page are accepted at online gambling sites in New Jersey.

New Jersey Online Gambling Payment Methods: 

  • Visa / Mastercard (credit cards, debit cards, prepaid cards)
  • Play+ (PlayPlus) prepaid casino cards
  • ACH e-check
  • VIP Preferred e-check
  • Online bank transfer
  • Wire transfer
  • Bank check
  • PayPal
  • Skrill
  • Cash At Casino Cage
  • PayNearMe Cash

Delaware 

Online gambling sites in Delaware offer fewer payment options than New Jersey sites do.

Delaware Online Gambling Payment Methods: 

  • ACH bank transfer
  • Visa (credit and debit)
  • Mastercard (credit)

Nevada 

Most online sportsbooks in Nevada require payment in person at land-based casinos. There are some exceptions, however, like William Hill that also accepts PayNearMe Cash payments at participating retail locations throughout the state.

Nevada Online Gambling Payment Methods: 

  • Cash At Casino Cage
  • PayNearMe Cash

Pennsylvania 

Payment methods for the PA iLottery have expanded regularly since the iLottery site launched. The PA iLottery is currently the only live, regulated online gambling action available in Pennsylvania. However, online gambling was legalized by the state and the first online gambling sites are expected to go live in mid-to-late 2019.

It remains to be seen what payment methods will be available at the new online gambling sites in Pennsylvania. The options may be similar to the PA iLottery payment methods, or payments may be structured similar to New Jersey’s online casinos.

Pennsylvania iLottery Payment Methods: 

  • VIP Preferred ACH e-check
  • PayPal
  • Visa/Mastercard
  • Play+ prepaid card
  • PayNearMe Cash
  • iLottery WebCash (Purchased with cash or debit card at any Pennsylvania Lottery retailer.)

Other U.S. States

Several other U.S. states host iLottery sites, but other forms of online gambling have not been legalized in those states yet.

U.S. Online Casino Payment Methods

Visa / Mastercard

Most regulated online casinos in the U.S. accept both Visa cards and Mastercard cards (credit, debit, and prepaid cards). However, not all Visa and MasterCard cards are created equal, as some Visas and Mastercards still do not work for making online casino deposits. Players may need to try different cards to find cards that work at different online gambling sites.

These challenges are fewer and farther between in regulated states like New Jersey, however, as issuing banks update their policies around online gambling payments. For example, TD Bank finally changed its policy in 2019 to allow TD credit and debit cards to be used at online gambling sites.

Visa / Mastercard Overview:

  • Visa is the largest global payment brand; Mastercard is the second largest.
  • Most regulated online betting sites in the U.S. accept Visa and Mastercard.
  • Some Visa and Mastercard cards do not work at online casinos.
  • Instant deposits at online gambling sites.
  • Deposit method only in the U.S.
  • Easy online deposits, similar to making online purchases.
  • Cash advance fees may be charged if using a credit card, instead of a debit card, for deposits.

Discover

Unlike Visa and Mastercard, Discover cards are not directly accepted at most regulated online gambling sites in the U.S. There are exceptions, like the Michigan iLottery, however. Discover can also be used to fund a variety of other payment sources, including e-wallet accounts like PayPal.

In addition, Discover Cards can be used for online gambling deposits and withdrawals through Play+ (PlayPlus) cards. Discover is an approved direct funding source for Play+ cards and Play+ issues prepaid Discover Cards that are linked to Play+ accounts. Play+ cards can be used to make purchases anywhere that Discover is accepted.

Discover Overview: 

  • Popular payment card in the U.S.
  • Not widely accepted at online casinos directly.
  • Can be used to fund Play+ prepaid online casino cards.
  • Play+ account cards are issued as Discover prepaid cards.
  • Can be used to fund e-wallets like PayPal.
  • Gambling deposit payments are eligible for standard Discover cash back rewards bonuses.

American Express

American Express is currently not accepted directly at any regulated gambling sites in the U.S. However, as a trusted payment card brand in the U.S., American Express can be used to fund other payment sources, including e-wallet accounts like PayPal.

American Express Overview: 

  • Trusted payment card brand in the U.S.
  • Not accepted directly at regulated online gambling sites in the U.S.
  • Can be used to fund other payment methods like e-wallet accounts.
  • Gambling deposit payments are eligible for Amex Membership Rewards or cash back bonuses.

Online Bank Transfer 

Online bank transfers move funds directly from your bank account to your online player account using your bank’s online banking portal. Your bank account information is not shared with online gambling sites or third-party payment providers. After selecting the online bank transfer options, deposit transactions are made entirely within your online banking environment,

Not all banks in regulated markets support online bank transfers for deposits, so you will need to check with your online casino or bank for availability.

Select examples of banks that support online bank transfers to licensed online gambling sites in New Jersey:

  • Bank of America
  • BB&T
  • Chase
  • PNC
  • Santander Bank
  • Wells Fargo

Online Bank Transfer Overview: 

  • Accepted by most regulated gambling sites in the U.S.
  • Deposits only.
  • Instant deposits.
  • Online bill pay must be enabled in your online banking portal.
  • Fast, convenient, and free.
  • Available to players who hold a bank account at select U.S. banks only.
  • Sensitive banking information is not shared with casinos or third-party payment processors.

Wire Transfers

Compared to online banking transfers, wire transfers can be cumbersome and slow. Wire transfers do still have their place, however, as they are widely accepted at regulated gambling sites in the U.S. for deposits and withdrawals, and wire transfers offer some unique benefits compared to online bank transfers. For example, GoldenNugget in New Jersey does not place a maximum withdrawal limit on wire transfers.

Wire Transfer Overview: 

  • Widely accepted at regulated gambling sites in the U.S.
  • All banks offer wire transfer options.
  • No instant deposit options.
  • Slower deposit and withdrawal times compared to online bank transfers.
  • Some banks allow wire transfers to be initiated online, but most banks require that wires be initiated in person at a bank branch.
  • Banks charge flat fees for incoming and/or outgoing wire transfers.
  • Accepted for both deposits and withdrawals.
  • Higher minimum and maximum withdrawal limits than online bank transfers.

Check By Mail

Just as it sounds, if you select this option as your withdrawal method, casinos will mail you a physical check.

Withdrawal payments via check may be appropriate for people who:

  • Rely heavily on check-based banking.
  • Prefer paper transactions instead of electronic transactions.
  • Do not have a bank account. (Physical checks can be cashed at check cashing service locations.)
  • Aren’t eligible to withdraw using other payment methods that require a like-kind deposit first.

Check By Mail Overview:

  • Widely available at regulated gambling sites in the U.S.
  • Withdrawal method only.
  • Relatively long processing and transit time.
  • Mail delivery can be unreliable.
  • Checks must be mailed to the player’s mailing address that is registered at the online gambling site.
  • Minimum withdrawal amounts are higher compared to other payment methods.
  • Anyone can request a physical check by mail.

PayNearMe Cash

PayNearMe Cash provides a discreet, secure, and relatively convenient way to deposit cash funds into online player accounts. Simply make cash payments at a cash register at any 7-Eleven, CVS, or Family Dollar stores and the funds will be available in your player account within minutes.

PayNearMe services are available for a variety of payment types nationwide, however, PayNearMe Cash payments for online gambling deposits are only accepted in regulated states.

PayNearMe Cash Overview: 

  • Accepted at most regulated gambling sites in the U.S.
  • Make convenient cash deposits at thousands of retail payment locations in regulated U.S. states.
  • Very high success rate for online deposits.
  • No or low fees due at the point of deposit payment ($0 – $5.99), depending on the size of the deposit and the casino.
  • No PayNearMe account needed to make deposit payments.
  • Cash payments must be made at a retail location.
  • Deposits are not instant, but the money is usually available within minutes.
  • Low daily deposit limit of $500.
  • Deposit method only.
  • For cash players in New Jersey, PayNearMe retail locations may be more convenient than Cash@Casino Cage options in Atlantic City.

Cash At Casino Cage

Similar to PayNearMe, Cash At Casino Cage allows players to use cash for online gambling payments. Unlike PayNearMe, however, the Cash At Casino Cage payment method works for both deposits and withdrawals and the daily limits are much higher.

For example, the Golden Nugget online casino offers a $100,000 daily maximum for Cash At Casino Cage transactions compared to a $500 daily maximum deposit with PayNearMe Cash.

The catch is that you must make the transactions in person at the casino cage in Atlantic City that is linked to your online casino in New Jersey. It is a popular and convenient payment method for people who have easy access to Atlantic City and prefer cash transactions.

Cash At Casino Cage Overview: 

  • Cash only deposits and withdrawals for online gambling.
  • Available at all online gambling sites licensed in New Jersey.
  • Available at all online sports betting sites licensed in Nevada.
  • No fees for deposits or withdrawals.
  • Instant deposits (cash funds are available in your online player account instantly).
  • You may need to wait in line at the cage, depending on how busy the casino is.
  • You will need to verify your identity and your online player account information before making transactions.
  • Transactions can only be made in person, at casino cages.
  • Casino cages are open 24/7 for transactions.
  • Very high deposit and withdrawal limits.

PayPal 

PayPal boasts a long history as a preferred payment method in the U.S., thanks to its origins as the payment of choice for ebay. PayPal remains the most popular e-wallet in the U.S. and it is accepted at most regulated U.S. online gambling sites for instant deposits and withdrawals.

PayPal Overview: 

  • Widely available as an accepted payment method at regulated online gambling sites.
  • The most common and popular e-wallet in the U.S.
  • Instant online gambling deposits.
  • High deposit success rate.
  • Accepted for both deposits and withdrawals.
  • Sensitive financial information is not shared with online gambling sites.
  • Withdrawals may only be possible if you have deposited via PayPal at an online gambling site.
  • Must be a personal U.S. PayPal account.
  • Deposits require an additional login to your PayPal account.

Skrill

Another well-known global e-wallet option, Skrill is not as widely used in the U.S. as PayPal, and Skrill’s terms are generally less favorable than PayPal’s for U.S. players. Skrill’s fees for funding accounts can be pretty hefty, depending on the funding method you choose. For example, fees for funding via ACH are 2.5% and 2.9% for Mastercard/Visa, but bank transfers are free.

Skrill Overview: 

  • Accepted by a limited number of regulated sites in the U.S.
  • Deposit and withdrawal method.
  • Instant deposits at online gambling sites.
  • Sensitive financial information is not shared with online gambling sites.
  • Fees for funding Skrill accounts can be high, depending on the funding method.

Neteller

As of June 2019, Neteller is no longer offering services in the U.S. This change has been updated on most regulated gambling sites in the U.S. that did accept Neteller as a payment method.

VIP Preferred e-Check

VIP Preferred is an ACH e-check service tailored specifically for land-based casino and online casino players in the U.S. Once you register a bank account with VIP Preferred, you can automatically use that bank account for ACH e-check transactions at any land-based or online casino that accepts VIP Preferred.

Key Points: 

  • ACH e-check service specifically for online casinos and land-based casinos in the U.S.
  • Widely available at regulated online gambling sites in the U.S.
  • Exceptionally high success rates.
  • Only available to players who hold a U.S. bank account.
  • You must share your checking account number and routing number online one time when you register with VIP Preferred.
  • Deposit limits are set by VIP Preferred.
  • Seven-day rolling limits.
  • Instant deposits.
  • Once registered, use VIP Preferred at any land-based casino or online gambling site in the U.S. that accepts VIP Preferred.
  • Deposit and withdrawal method.
  • Instant deposits.
  • Gambling deposit and withdrawal transactions are listed on your bank statements.
  • No fees for deposits or withdrawals.
  • Players can make VIP e-check withdrawals without making a VIP Preferred e-check deposit first.
  • Withdrawal processing times can be relatively fast.
  • VIP Preferred advertises higher limits than other e-check options.

ACH e-Check

ACH e-check is a general term that refers to e-check processing in the U.S., which is a reliable and widely accepted payment at regulated U.S. sites. ACH e-checks work like physical checks, but the checking account and routing numbers are provided online for instant transactions instead of via paper checks. In addition to VIP Preferred, there are several different ACH e-check providers that provide payment services through online gambling sites.

ACH e-Check Overview: 

  • Accepted at most regulated online gambling sites in the U.S.
  • Deposit and withdrawal method.
  • Instant deposits.
  • A valid U.S. bank account is required.
  • You must share your checking account number and routing number online at least once when you do your first ACH e-check transfer.
  • Gambling deposit and withdrawal transactions are listed on your bank statements.
  • Limits may be imposed by the ACH e-check provider, and may vary depending on the provider.
  • No fees for deposits or withdrawals.
  • ACH e-check withdrawals may not be dependent on making deposits via ACH e-check.
  • Very high success rate for deposits at legal U.S. online gambling sites.

Play+ (Play Plus) Cards

Play+ (PlayPlus) cards are available at most regulated sites in New Jersey, for example, and provide players with a secure and convenient payment method specifically tailored for online casinos.

PlayPlus cards are prepaid cards linked directly to player accounts at online gambling sites. Play+ cards can be funded via e-check or credit/debit card, and the prepaid funds in your Play+ account can be used to make purchases anywhere that Discover is accepted.

Play+ Bonus Offers

Some sites, like Golden Nugget in New Jersey, offer a bonus for signing up for a PlayPlus card. Players can get up to $10 cashback from GoldenNugget for registering and depositing into their Play+ account.

Play+ Fees

Fees vary by casino, and each casino brand has their own Play+ program details. The Golden Nugget, for example, does not charge any fees for loading or using PlayPlus cards. There is a $2 fee for ATM withdrawals with the card (the ATM fee is waived for VIP PlayPlus members), and a $2.95 per month inactivity fee is charged if the card hasn’t been used for one year or longer.

Play+ Card Overview: 

  • Many regulated online gambling sites in the U.S. offer Play+ card options.
  • Easily funded with e-checks and debit/credit cards (Visa, Mastercard, Discover)
  • Funds are FDIC Insured.
  • Prepaid cards specifically for online gambling sites.
  • Prepaid cards are linked directly to online player accounts.
  • Balance can be used at ATMs and merchants outside of casinos where Discover is accepted.
  • Instant approval.
  • Instant deposits.
  • Bonus offers for card enrollment at some online casinos.
  • Different Play+ accounts at different casinos offer different terms.
  • Free or variable fees, depending on the individual casino’s Play+ program parameters.
  • Very high approval rate and success rate at online gambling sites.
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