Casino Payment Methods for US Players

Sadonna Price
Written by:
Sadonna Price
Andrew McDermott
Fact checked by:
Andrew McDermott
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Updated:
May 14th 2024

Having access to easy and secure payment methods is an important feature players look for in an online casino site. Online casinos offer several different deposit methods, some allowing you to only deposit, while other methods provide withdrawal options. With so many methods on offer, knowing which deposit option is right for you can be confusing.

Our experts have reviewed the best casino payment methods below to help you make the right decision for your online casino deposit needs. Let’s explore the available payment options below and the casinos where you can use each method.

Types of casino payment methods

Online casino sites can include several payment methods. Knowing which type will work best for deposits and which method to use when you are ready to remove wins can be difficult. Below, we discuss each type of payment you will find via online casino platforms.

Learn more about credit and debit cards, e-wallets, online banking, and alternative methods to find the best option for depositing. Some methods can also be used to withdraw funds, providing a quick and easy way to complete casino payments. Once you have reviewed the information, you can make an informed decision about which method is best to add cash for gaming.

Credit Cards - Prepaid Cards - Debit Cards 

Credit and debit cards are among the most common forms of deposit at online casino sites. Prepaid cards, such as Play+, may also be in the mix, making it easy for players to add funds. These methods are typically restricted to deposits but may, in rare cases, be used for withdrawals.

Credit Cards

Online casinos typically offer Visa, Mastercard, American Express, and Discover payment methods. The available card companies will vary based on the casino you select. To complete a deposit, players must enter the card number, expiration date, and CVV to complete a transaction. Credit cards are considered a more convenient and secure method for adding funds to your online casino account.

Debit Cards

Commonplace with credit cards, you can also use a debit card to add funds for online casino gaming. The same card details are required, but you are not charging the deposit amount. The funds will be removed from your debit card's checking or savings account. Visa, Mastercard, American Express, and Discover are accepted but will vary based on the casino site. Feel secure using your debit card to deposit, with the cash added instantly to your online casino account.

Play+

Play+ is another common payment method offered at many US-based online casino sites. Players can use a debit or credit card to add funds to the Play+ card and then deposit the funds at a gaming site. The card is also eligible for withdrawals, with transfers to a bank account or wallet on offer. Play+ is easy to use and a top choice among players who want a seamless method for both transaction types.

E-Wallets and Bank Transfers 

Aside from credit and debit cards, the next most popular choices for online casino payments are e-wallets and bank transfers. Consumers already use these payment methods, making them easily accessible for deposits and withdrawals.

PayPal

One of the more common e-wallets available online is PayPal. It is used for everyday transactions, including casino deposits. PayPal is considered one of the top payment methods in the United States, offering an internal approval process to assist online casino sites.

Players can use an existing account to add and remove funds with zero fees per transaction. PayPal is one of the faster payment methods, with a 24-hour or shorter time frame. It is available for deposits and withdrawals for a seamless online casino payment system.

Skrill 

Another e-wallet that is starting to appear in online casinos is Skrill. The option is not typically offered at real money casinos in the US but can be found via sweepstakes sites. It is a secure method that allows players to complete payments without directly sharing bank account or card information.

With a connected bank account or credit card, players can use Skrill to fund online casino gaming accounts and withdraw winnings. Deposits take minutes to complete, and withdrawals typically arrive in 24 hours to 3-5 days, depending on the site.

Apple Pay

Apple Pay is a solid alternative for online casino players, especially mobile users. Most online casinos feature an app for gaming, so Apple Pay makes it easy to complete payments. Use a debit card, credit card, online bank account, or other method to fund your Apple Pay account to get started.

Once the funds are in your account, you can instantly deposit with an online casino site. You can also withdraw prizes to Apple Pay and transfer the money to your bank account for easy access.

Venmo  

Venmo is another great mobile option, giving players access to a premium payment method for deposits and withdrawals. Use the mobile e-wallet to add funds instantly to begin gaming. Wins can be withdrawn in 24-hour time frames, perfect for quick payments. More casinos are starting to add Venmo as players prefer mobile payment methods over debit or credit cards. Use your credit, debit, or bank account to add funds to Venmo to complete deposits and withdrawals.

Cash App

Typically reserved for sweepstakes casinos, Cash App has yet to hit mainstream and offer processing via real-money casino sites. The digital wallet payment method offers smaller transactions and is a perfect option for low-budget players. Payments are quick and secure via mobile for seamless deposits and withdrawals.

Trustly 

If you prefer online banking, Trustly is a solid choice. Trustly acts as a payment middleman, helping players complete deposits in minutes.  Connect a Trustly account to your financial institution to deposit funds for online casino gaming. You may also find that online casino sites include Trustly for withdrawals as well. Complete a withdrawal and use Trustly to send the funds to your online bank account to spend how you wish.

eCheck/ACH

With an eCheck, players can use services like VIP Preferred to deposit funds for online casino gaming. A personal checking adds funds via the Automated Clearing House (ACH) format.

You must add your checking account number and routing information to start transactions. This method is also valid for withdrawal at most casinos. You can easily add wins to your checking account with VIP preferred or other eCheck methods. ACH is among the oldest and safest banking methods on offer.

Wire Transfer 

Deposits and withdrawals can be completed with a Wire Transfer. However, this option takes the longest to complete. Players don’t typically choose Wire Transfers, especially for withdrawal unless the prize is large. This method can take days to complete, which is a negative for most players. But, if you win a large jackpot prize, it offers higher maximum withdrawals, with some sites featuring no maximum amount.

Alternatives

You can also use alternative methods for payment needs, but these options may be restricted based on the gaming site.

PayNearMe

Players have access to PayNearMe for deposits only, with the option taking around 15 minutes to complete a transaction. The method requires players to visit a local retailer, such as 7-Eleven, for payment. A barcode is used to connect the payment to your online account. This method is best for players who wish to complete transactions with cash.

Cash at Cage

In states with real-money casino sites connected to physical casinos, players can visit the cashier’s cage to deposit and withdraw funds. When this option is available, players must initiate a transaction online first, then head to the casino. Players need to have a copy of their ID to complete a deposit. With a prize withdrawal, players must start the process online and then wait for approval before visiting the casino. This method can have higher limits than other payment methods.

Paysafecard

Some online casino players feel safer making cash payments to enjoy casino games. The solution for this is the Paysafecard. Select this option and use cash at a local store to make a payment. It’s a secure way to add funds to an online casino account without using personal credit card or bank information. The method is often restricted to deposits only.

PayNearMe

This is another cash-based deposit method players can use. Initiate a PayNearMe payment online and generate a barcode. Take the barcode to a local retailer such as Family Dollar or 7-Eleven. Pay by allowing the cashier to scan the barcode. You can use cash or another payment method. Within 30 minutes or so after payment, the cash should be seen in your online casino account.

Crypto 

Cryptocurrency is becoming a common option among sweepstakes gaming sites, but you won’t find it at real money casinos. Brands such as MoonSpin and Stake.us are prime examples of sweepstakes providers that utilize cryptocurrency for transactions.

These sites accept payment methods such as Bitcoin, Bitcoin Cash, Litecoin, Ethereum, and Tether. Be aware that there are limits on your deposit and withdrawal, and fees may also be associated with transactions.

How To Choose the Best Online Casino Payment Method 

Whether you are new to online casino gaming or are a veteran player changing payment methods, you want to select an option that works well for deposits and withdrawals. It’s essential you consider important factors when making your decision. With the right banking method in place, you can enjoy quick and seamless payments every time you log online.

Below are a few key factors to consider before choosing a payment method. Keep these in mind when selecting a payment option, and you are sure to make a smart decision when adding or removing funds from a casino site.

Safety and anonymity

How safe is an online casino provider? Do they offer anonymity with their payment methods? Is the payment method secure? Most reputable online casinos will only offer secure payment options so players' financials are safe with each transaction.

Deposit and withdrawal speed

How quickly will a deposit be added or a withdrawal completed? No one wants to wait days for a payment to process. You can review the payment speed within the cashier section of a casino to see how long you will need to wait before it clears. Look for options that take 24 hours or less to complete for the quickest time frames.

Fees

Some payment methods may have fees, and you want to avoid them. No player wants to pay more for a deposit or to withdraw funds. Check the information connected to a payment method for fee amounts.

Reach out to support for information as well. Be sure a payment option does not include hidden fees before you start. Common examples can include debit or credit cards based on the card company.

Minimums and Maximums

It’s also important to consider the minimum amounts you can add or remove based on the payment method. Some minimums are lower than others, which helps you to stay on budget.

When it comes to prizes, you want access to a method to ensure you receive full prize payments rather than installments based on a lower maximum withdrawal limit. Check your options before you use a payment method to ensure the amount will work for you.

Ease of Use

Consider how easy a payment method is to use. Do you already have an account for quick access, such as PayPal or Skrill? You want to pick a method that you can use seamlessly for payments.

Online Casino Payment Options Pros and Cons

Below, we have the pros and cons of each payment option. The goal is to show players how each method can be used for deposits and withdrawals and any negatives to consider.

Credit Cards - Prepaid Cards - Debit Cards

âś…Instant Deposit Time Frames.

âś…Visa and Mastercard are readily available.

âś…Zero fees with most card types.

âś…Easily use Prepaid Cards like Play+ if a Debit/Credit is unavailable.

❌Can be limited to deposit only.

❌Fees may be incurred per transaction based on the card company.

E-Wallets and Bank Transfers

âś…Instant Deposit Time Frames.

âś…Some withdrawals can be completed in 24 hours.

âś…Available at most online casinos.

âś…Choose from several options, including PayPal, Skrill, and Trustly.

❌Some withdrawals take 3-5 days to complete.

❌Individual online banks may not be connected to Trustly for transactions.

Alternatives

âś…Anonymous and secure deposits with cryptocurrency.

âś…Deposit and withdraw funds quickly.

âś…Find multiple cryptocurrency methods per operator.

âś…Bitcoin, Litecoin, and Ethereum are among the available methods.

❌Alternatives like Crypto are not offered at US-based real money casinos.

❌Some sweepstakes sites may be crypto-only.

Online Casino Banking Methods Comparison

Below are comparisons of each payment method available at real-money online casinos. Please keep in mind that the information may vary per provider. While there are industry standards, one casino may choose to have higher minimums or longer processing times. Always check with your provider to ensure you can utilize the payment service based on your needs.

Payment Method

Minimum Deposit

Deposit Process Time

Withdrawals

Withdrawals Processing Time

Apple Pay Casinos

$10

Instant

Yes Max $10,000

1-3 business days after review.

Cash App Casinos

$10

Instant

Yes, typically $1,000 max

1-3 days

Credit Card Casinos

$10

Instant

No

Cryptocurrency Casinos

No Minimum

Instant

Yes, 100 is typically the max.

Twenty-four hours

Debit Card Casinos

$10

Instant

Yes (Some casinos) Max

Twenty-four hours to 3 days after review.

eCheck/ACH Casinos

$5-$10

Instant

Yes, Max $100,000

2-4 days

PayPal Casinos

$5-$10

Instant

Yes, Max $60,000

Within 24 hours

PayNearMe Casinos

$10

15-30 minutes

No

Play+ Casinos

$5-$10

Instant

Yes, Max $25,000

Within 24 hours

Prepaid Cards Casinos

$10

Instant

Yes, Max Varies per card type

Within 24 hours

Skrill Casinos

$10

Instant

Yes, Max $10,000+

Within 24 hours

Trustly Casinos

$10

Instant

Yes, Max $100,000

Within 24 hours

Venmo Casinos

$10

Instant

Yes, Max $20,000

Within 24 hours

Wire Transfer Casinos

$100-$2500

5-7 business days

Yes, Minimum $1,000+

24-48 hours

How To Deposit at an Online Casino 

  • Locate an online casino that has the deposit methods you like. If you don’t have an account, you will need to register and verify your account before you can deposit funds.

  • Once you visit the selected site, click Join Now or Register to create an account. Fill out the registration form with personal information.

  • Agree to terms and conditions. You may be asked to verify your email to log in.

  • Once logged in, the site may request you verify your identity. The Know Your Customer process can include adding a copy of your driver’s license and proof of address. Each site is different and will include a list of instructions.

  • After logging in to your online casino account, locate the deposit options. Do this by selecting your account details and locating the cashier.

  • You should be able to see all the available methods in the cashier. Click on each method as needed to review the minimum and maximum deposit amounts.

  • Select a method and enter the amount you wish to deposit.

  • Follow the instructions on the site to complete your transaction.

  • Once approved, you will see the funds in your account.

  • Check your account balance frequently and top up your account when you need more funds. If you like, you can save the banking information you used the first time and continue using the same method every time you deposit.

How To Withdraw at an Online Casino

  • Log in to your online casino account and open the cashier. Select the withdrawal section to review the available methods.

  • Open each method that works for you to see the minimum and maximum amounts. This is handy if you have won a big jackpot and want to remove a larger amount with one transaction.

  • Locate the wait times under the banking method or check the FAQ section for details. You want to select a banking method that is convenient for you but also provides quick payments.

  • Once you find a method that works for you, select it and enter the withdrawal amount.

  • Use the directions provided by the casino to complete the withdrawal.

  • You will receive your funds within 24 hours to ten days, based on the method you selected.

Common Online Casino Payment Issues

As online casino players, you want payments to be processed quickly and without issue. However, deposits and withdrawals are not always smooth and easy to complete. Below are a few common issues Oddsseekers has encountered and solutions to keep you moving forward.

Credit/Debit Card Depositing Problems

One of the most common problems that players face is declined card payments. Many card companies have banned online gambling payments, which can lead to a declined payment when you try to add funds. A bank may put your payment on hold for 24 hours before approving or rejecting the amount.

It’s best to contact your card company to see if such restrictions exist. If so, you can ask for the restriction to be lifted. You will need to explain you are playing online casino games in a state where gambling is a legal activity. If that does not work, you will need to seek another form of payment.

Withdrawals Issues with Identity Verification 

When it comes to withdrawals, players may come across issues due to identity verification. Casinos may require you to add a copy of your driver’s license and proof of address before allowing a withdrawal. Be sure the details of these documents match and that you input the details correctly. Any issues may result in the need for more identity verification, which can delay withdrawals.

Wagering Requirements 

When claiming a welcome bonus with your deposit, it’s important to note the wagering requirements. Many players don’t read the fine print of a match bonus or risk-free offer and fail to comply with the terms and conditions.

Most deposit bonuses have a wagering requirement ranging from 1x to 40x. You must play the bonus amount the number of times listed before a withdrawal is allowed. If you earn $20 bonus cash, you only need to play $20 with a 1x wagering requirement. With the higher 40x, you must play $800 before clearing the bonus.

Read and understand a bonus's full terms and conditions to know what you are getting into before you start!

Using Someone Else’s Banking Information 

Some players, such as spouses or partners, may use someone else’s banking information when depositing funds. This is not a good idea. The online casino site will check your account's personal information and payment method. The payment is flagged if you try to deposit with a credit card in your partner’s or friend's name.

This can lead to major issues, even locking you out of your account. The casino may suspect you are stealing someone’s personal information, even though that is false. Always use methods in your name to avoid any confusion or major problems.

Payment Wait Times 

Another major concern is payment wait times. Each payment method will have a wait time for depositing or withdrawing funds. Many payment methods are instant, like PayPal or debit/credit cards. However, like a wire transfer, some may take a few days to complete.

Review the wait times listed using a payment method before you complete a deposit or withdrawal. This will ensure you can add or remove funds promptly.

FAQS

What payment methods are accepted by online casino sites?

The options will vary per provider. You can expect to find a mix of credit/debit cards, online banking, e-wallets, and cryptocurrency.

Are online casino payment methods safe?

Yes. Your financial information is secure if you use a trusted banking method and join a reputable site. We suggest using methods you are familiar with, such as PayPal, Trustly, Visa, and Mastercard.

What are the most common payment methods offered by online casino sites?

The most common payment options are Visa, Mastercard, PayPal, and online banking.

What should I do if my payment method is declined at an online casino?

I suggest you speak to support. You need to know why your payment was declined. Double-check your card number if using a credit or debit card, as sometimes players type in the wrong number, which can cause the payment to be declined. This also applies to the date or CVV.

Are there any fees associated with using these payment methods at online casinos?

Typically, there are no fees for payments at an online casino site. However, you may have fees connected to the banking method you select. Credit or debit cards may charge a service fee for a transaction connected to gambling. Reach out to your cardholder before you complete a transaction to review any possible fees.

What is the minimum deposit for an online casino?

The minimum deposit amount is typically $10. Sites like DraftKings allow for a smaller amount of $5 when depositing.

What is the minimum withdrawal amount?

A typical online casino requires a minimum withdrawal of $1-$10. The amount will vary per site and banking method.

Sadonna Price
Topic Expert
Sadonna Price

Sadonna specializes in gambling site operator reviews; from casinos to poker gaming, slot reviews, and news. The gambling landscape is constantly changing and she likes to stay on top of the latest developments, the good and the not-so-good. Sadonna has played a vital role in helping to establish gambling websites via content creation as well as providing current updates on legal changes in the US and abroad with fully-researched news pieces and we're excited to have her as our Lead Casino Analyst at OddsSeeker! Sadonna is constantly looking to expand her horizons, meeting and working with new people in the gambling industry as well as other areas including design, fashion, home maintenance, food, and healthcare!

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