Casino Merchant Account and Payment Processing.

A high-risk merchant account built for online casinos, poker rooms and land-based casinos. It's coded and registered for gambling with Visa and Mastercard, so you can take player deposits, pay out winnings and run the rest of the property's payments without your account being closed.

Casino and online gambling businesses are categorized as high-risk due to several factors: regulatory complexities across different jurisdictions, high chargeback rates, fraud concerns, reputational considerations from traditional banks, and the uncertain legal landscape in some regions. These factors make it challenging for casino operators to secure reliable payment processing through conventional channels.

Online casinos licensed by a US state use MCC 7801 once registered with Visa. Other casino gaming, including casino gaming chips, uses 7995 Betting, and social casinos with no cash prizes use 7994. A resort's hotel, restaurants and shops use their own codes, like 7011 for hotels.

No for Stripe and Square: Stripe prohibits internet gambling and casino games, and Square prohibits betting. PayPal requires pre-approval and only allows gambling in permitted jurisdictions.

Adaptiv offers comprehensive payment solutions for casino businesses including specialized high-risk merchant accounts, advanced chargeback prevention strategies, multi-currency processing capabilities, robust fraud detection systems, seamless integration with gambling platforms, and dedicated account management with industry expertise in navigating the complex regulatory landscape of online gambling.

Online casinos are live in seven states: New Jersey, Pennsylvania, Michigan, West Virginia, Delaware, Connecticut and Rhode Island. Maine legalized it in 2026, but it isn't live yet. You can only take deposits from players physically located in states where you're licensed.

Social casinos with no cash prizes are approved under their own code. Sweepstakes casinos are now banned in several states, including California, New York, Connecticut and Maine, and some of those laws reach payment processors, so underwriting looks closely at where you operate.

Yes. We set up the whole property: the casino cage, hotel, restaurants, spa and shops, each under the right merchant category code. Visa treats casino gaming chips as quasi-cash, so cage transactions follow their own rules.

Yes, when you're licensed in the markets you serve, like Malta or Curaçao. Your deposits are coded 7995, and you can only take players from places where your license and local law allow it. Our gambling merchant account page covers sportsbooks, poker and lotteries too.

Your gaming license for each jurisdiction, business registration, ID for owners and directors, financial and processing statements, proof of domain and platform ownership, and your KYC, AML, geolocation and responsible gaming procedures.

Often, yes, if you're licensed. Many casino operators come to us after a bank or processor closed their account. We look at why it happened and what's changed. We also work with merchants on the MATCH list.

Usually for online casinos. Gambling accounts often carry a rolling reserve released over time based on your processing history and chargeback ratio. Strong history and low disputes can bring it down.

Debit cards, credit cards where the issuer allows gambling, prepaid cards, e-wallets, bank transfers and ACH. Offering the right payment method for each market raises approval rates, and fast withdrawals to the same method build player trust.

Often, but not always. Many card issuers treat gambling deposits as cash advances, with fees and interest, and some decline them outright. Debit cards, ACH and online banking are the most reliable deposit methods.

Winnings paid to a Visa card go out as an Original Credit Transaction, which can arrive in minutes, never as a refund of the deposit. ACH and other bank payouts take a little longer.

Adaptiv provides comprehensive fraud protection for casino businesses through real-time transaction monitoring, IP geolocation verification, device fingerprinting, behavioral analytics, 3D Secure authentication, and tailored fraud prevention rules specifically designed for gambling operations. Our multi-layered approach helps identify suspicious activities while maintaining a smooth experience for legitimate players.

Not in the US. Visa gives no fraud liability shift on US gambling transactions, even with 3-D Secure, so KYC, device checks and velocity rules do the heavy lifting.

Casinos get no special allowance. Visa's VAMP program flags merchants at a 1.5% fraud-and-dispute ratio with at least 1,500 disputes and fraud reports in a month, and Mastercard starts at 1.5% and 100 chargebacks. Banks act well before that, so aim to stay under 1%.