Credit and Debit Card Casinos

Bank cards have become one of the most preferred methods of payment in the world. They can be used at nearly every store that we can visit, as well as on the Internet where they are the primary way to pay. The best part about them is that they offer the consumer a certain type of convenience that was not available prior to their creation. Paying everything in cash can be cumbersome and impractical, even more so when we are depositing to an online casino. Credit and debit cards have been a valid payment option when moving money between your bank account and your online casino balance. It is the preferred deposit method for many gamblers around the world, as it allows for easy and convenient deposits and withdrawals. In this article, we will go over all of the aspects of using a bank card for gambling purposes.

Credit/Debit Card Registration Process

Every online casino player dreams of winning a life-changing prize, however, the first thing they should think about is how to fund their account. With a diverse assortment of online processors, casino enthusiasts can easily pick a solution that meets their gaming needs and requirements.

Since the very beginning of the online gambling industry, credit and debit cards have been among the most popular and widely-accepted payment solutions at interactive casinos across the globe. Below, we have outlined several important aspects of the process of credit and debit cards use for gambling-related purposes.

1. Let us start by enumerating the most popular brands that could be used at online casinos. They are widely known for issuing credit and debit cards, as well as gift cards and prepaid cards. The four most popular brands are VISA, Mastercard, American Express, and Discover. The brands’ acceptance across online casinos varies and the fastest way to check their availability is to navigate to the cashier section of the online operator and look through the supported processors.
   
2. The next thing that casino players might be interested in is how to replenish their casino balance by using a credit or debit card from the above-mentioned brands. The process is pretty straightforward and very similar to other online purchases. They should navigate to the cashier section of the online casino they have chosen to establish an account with.
   
3. Once users select the credit/debit card funding option, they will be prompted to fill in the necessary details, including their card number, expiry date, and security code found on the back of the card.
   
4. The next step of the process requires casino players to fill in the amount they wish to deposit.
   
5. When casino aficionados complete the process their funds should appear instantly on their casino balance and they can start playing right away. They can easily check this by looking at the section showing their available casino balance.
   

How Credit/Debit Card Works

Advantages and Disadvantages

Using Credit and Debit Cards for Gambling Transactions

Fees for Gambling Transactions

Processing Times (for Gaming Transactions)

Mobile Payments

Security at Online Casinos

Credit/Debit Card Alternatives

Notwithstanding the expansion of alternative payment methods in the online casino industry, credit and debit cards remain the most popular methods among players to move funds to and from their gaming accounts. However, users might prefer not to reveal their personal and banking information and in this case, they may opt for prepaid cards, various e-wallet solutions, and cryptocurrencies, among other methods. As part of our list of five alternatives to credit and debit cards, we have also included bank transfers, which we are going to review first.

1. Bank transfers

   Similar to credit and debit card payments, bank transfers are accepted at most, if not all online gambling establishments. Once players have selected an online casino and set up their accounts, they should navigate to the cashier section and look for bank transfers in the list of supported payment methods. To deposit, they should enter the amount they are willing to transfer and fill in their bank details. Bank transfers may require an additional security check, such as an SMS code sent over the mobile phone.

   Wire transfers are typically favored by professional casino players and high-rollers as they allow higher upper limits. Minimum deposits usually vary from $10 to $20, while maximums may reach $100,000. As for processing times, bank transfers are not among the fastest online payment methods. Deposits may take anywhere between 24 hours and 3 business days, while withdrawals may require from 3 to 7 business days.

   Aside from their high acceptance across online casinos, security, and relative simplicity, wire transfers are also popular due to their low transaction costs. In addition, there is no need to open additional accounts.

2. Prepaid Cards

   An alternative to credit and debit cards, prepaid cards, are gaining popularity at an amazing pace not only at casinos but for all kinds of online and in-store purchases. Prepaid cards are also known as “stored-value cards”, as they use a balance that was loaded to them in advance. Unlike debit and credit cards, they are not linked to consumers’ checking balances and credit history.

   Prepaid cards have plenty of advantages, which make many casino players look for a similar banking solution available in their country. Their widespread availability, broad acceptance, security, and anonymity are possibly their strongest benefits.

   All of the major e-pay networks that we discussed in the previous section of this publication (VISA, MasterCard, American Express, and Discover) issue prepaid cards. Other voucher-based solutions that are widely used for deposits to online casinos include brands such as Paysafecard, Neosurf, and Astropay, among others. Overall, if players are in urgent need of a credit or debit card alternative, the various prepaid solutions might be the easiest, most convenient, and expeditious solution.

3. E-wallets

   Electronic wallets facilitate both online and in-store purchases. They perform the functions of traditional wallets, storing funds from various sources such as bank accounts, credit and debit cards, other e-wallets, and prepaid cards, to name a few. Upon registration, e-wallet users fill in their personal information such as name, and address, and link their preferred sources of funds to their accounts. They are also typically required to verify their personal and banking information by completing a standard verification procedure, requiring an ID document and proof of address.

   The software used by e-wallet solutions rigorously guards consumers’ data through strong encryption, so they should not be worried about their funds’ safety. Furthermore, additional security measures such as Two-step verification, and biometric authentication methods are implemented to enhance the level of security.

   PayPal, Skrill, and Neteller are among the most popular e-wallet brands that find broad usage and acceptance in the online gambling industry. Apple Pay and Google Pay are examples of two widely used mobile wallet solutions that gain ever-increasing popularity.

4. App-based e-wallets

   When it comes to mobile electronic wallets, we cannot help but mention a popular app-based payment processor, MuchBetter, which is one of the most widely used ones in the online gambling industry. Established in 2016, the payment processor offers a genuinely secure, user-friendly alternative for handling online payments. Its popularity is not surprising at all, considering the ever-increasing number of players on the go. The solution is available in multiple countries across the globe, and facilitates storing, sending, and moving funds easily, safely, and promptly. Besides, it enjoys wide acceptance across interactive casinos.

   As far as security is concerned, the app-based e-wallet protects its users’ sensitive data through innovative measures such as device pairing, touch ID, and dynamic security codes. The latter is, as a matter of fact, the world’s first dynamic CVV code. Unlike traditional security codes, found on the back of physical cards, the dynamic code that MuchBetter customers use is safely stored in the app. Every single time they use it, a new 3-digit sequence is generated.

   The payment app is also the recipient of numerous accolades in various categories at events like the Banking Tech Awards, Emerging Payments Awards, and EGR B2B Awards, among others, all for 2021.

5. Cryptocurrencies

   Since the emergence of the world’s original cryptocurrency, Bitcoin, in 2009, the number of possible solutions for processing e-payments has drastically expanded. Cryptocurrencies exist only in digital form and are characterized by their decentralized nature. Thus, crypto payments do not require the involvement of a banking institution or any third party in the payment process.

   Cryptocurrencies are accepted by a growing number of online-based businesses, including gambling establishments. Many players have long ago realized their great potential to offer unrivaled anonymity and security for their online payments. Furthermore, they can be used both for deposits and withdrawals from online casinos.

   To execute payments through cryptocurrency, whether it is Bitcoin, Litecoin, or Ethereum, players should first establish an account with a crypto exchange. Once they buy their preferred cryptocurrency, they will be able to send the desired amount of money to their online casino account and use it for gaming-related purposes. Besides the type of cryptocurrency and the amount they are willing to transfer, holders of crypto exchange accounts should specify the recipient’s email address, mobile phone number, or a specific code, which represents the online casino’s crypto wallet’s address.

Casino Games with Credit/Debit Cards

As already established, the largest percentage of players who deposit funds into online casinos do so using credit or debit cards. Online gambling establishments join forces with high-end software developing companies to ensure the necessary diversity of games. No matter whether card depositors are more interested in playing slots or favor the suspense-filled casino classics such as roulette, blackjack, and poker, the top interactive casinos will welcome them to a world of opportunities.

Slots with Credit/Debit Cards

Card depositors enjoy an overwhelming variety of slots, featuring basic 3-reel layouts, or more advanced 5-reel and 6-reel setups. Games’ RTPs are also varying, as are the additional features and bonus rounds. Minimum and maximum bet limits accommodate the needs of all player types. The leading software developers are producing some exquisite 3D creations that players get to enjoy, along with enthralling sound effects for a truly immersive gaming experience.

Fortune Rewind

It’s time for a time-travel adventure with Play’n GO’s newly-produced slot, Fortune Rewind. It is among the newest additions to online casino catalogs that would immediately arrest the attention of reel spinners. The action takes place on a 5×3 grid delivering a total of 20 ways to win. With an RTP of 96.27%, this slot allows minimum wagers of $0.10. Between this and the maximum of $25, there are plenty of options to suit the budget of all player types. Dr. Tempis is the protagonist here who can time travel with the click of a button, taking players through six different eras during the Free Spins round.

Pirate Golden Age

Pragmatic Play invites players to indulge in a sea escapade with Pirate Golden Age. Reel spinners are expected to set sail and keep company with pirates and parrots. The action unfolds on 5 reels and 3 rows, with a total of 20 paylines. With a set RTP of 96.49% and a maximum win cap of 3,000x the wager amount, this slot machine offers great winning potential. The range of bets is between $0.20 and $100. There is a total of 13 symbols, with Jacks, Queens, Kings, and Aces being the lowest paying ones, and bombs, anchors, parrots, and crew members bringing the larger payouts.

Ways of the Genie Thundershots

Playtech’s creation Ways of the Genie Thundershots is yet another captivating slot, featuring an RTP of 95.48%, 6 reels, and 20 ways to win. In this fantastical game, casino enthusiasts will find out about the marvels of Arabian folklore, in parallel with winning prizes amounting to 10,000x their bets. This slot machine has a ton of features, including wilds, free spins, thunder shots, and more. If reel spinners land at least 3 lamp symbols on a payline during the base game, the free spins round is to be activated, with the ways to win increasing from 64 to 117,649.

Live Dealer Games with Credit/Debit Cards

Live dealer games are a unique and indispensable part of the contemporary gambling industry, delivering players with the opportunity to enjoy interaction with live dealers from the comfort of their homes. Besides the friendly and highly-professional dealers and croupiers, the best online casinos also offer advanced streaming from special studios where the real action takes place 24/7. Live dealer games deliver an authentic casino experience as well as some advantageous opportunities to land impressive prizes.

Roulette Azure

Pragmatic Play’s live dealer portfolio is excellently complimented by Roulette Azure, played on a European wheel and coming with a standard RTP of 97.30%. The gameplay is marvelously highlighted by four 4K cameras and close-ups on landings. The game also features an Autoplay button and game statistics. Live chat is among the game’s functionalities enabling players to interact with fellow players and the live dealer. Bets range from $10 to $2,000, making Roulette Azure perfectly suited for casual players and high-rollers.

Blackjack Azure

Pragmatic Play offers lovers of live dealer games the opportunity to put their gambling skills to the test with Blackjack Azure. This gorgeous casino classic delivers an optimal theoretical RTP of 99.59%. Players enjoy a real-life adventure thanks to 4K cameras and an Art Deco-styled casino studio. The game is a fast-paced one, with betting time of just 10 seconds, and the standard options available to players to hit, stand, split, and double down. Perfect Pairs and 21+3 are the side wagers that can make the gameplay even more intriguing and rewarding. There is also a “Bet Behind” feature and the “Early Decisions” functionality.

Grand Baccarat NC

PlayTech’s Grand Baccarat is a dazzling live dealer game, with the studio and the dealer’s attire richly covered in gold. Besides the standard wagers on Banker, Player, and Tie, casino fans have the option to opt for a couple of side wagers. Banker Pair and Dealer Pair each reward payouts of 11:1. Either Pair supplies 5:1, while Perfect Pair grants the usual 25:1. The Egalite side wager allows players to wager on specific ties and win up to 150:1. Baccarat players have access to the total statistics and their personal record in the upper left corner of the screen. The main menu is conveniently located at the bottom of the screen, allowing players to quickly adjust the sound volume and the video quality.

Blackjack with Credit/Debit Cards

Blackjack is one of the most favored casino games due to its simple rules and low house edge. Although the omnipresent rule of Blackjack is to have a hand that totals higher than the dealer’s but does not surpass 21, there are many interpretations of the classic game, serving to provide players with much-needed versatility and flexibility. There are many variations developed by the leading software companies, and card depositors are welcome to explore them in the best online casinos.

American Blackjack Turbo

Card depositors might be familiar with American Blackjack, but in GVG’s American Blackjack Turbo, they can also speed up the gameplay and enjoy the fast-paced action, without surrendering on any unique game features. Once the game starts, players get to choose between three betting modes – Standard, High, and VIP. American Blackjack is characterized by the inclusion of a “hole” card, as well as the use of 8 decks. If the dealer’s face-up card is a 10 or an Ace, they may peek at the “hole” card. The RTP of the game stands at 99.63%.

Blackjack Lucky Sevens

Evoplay’s Blackjack Lucky Sevens offers an interesting variation to the standard rules of this classic casino game. Players start the game by adjusting their bets and picking the number of active hands (up to three active hands are allowed). Traditionally, players should collect a hand value that is as close to 21 as possible, without busting. In this variation, there is an extra feature, called the Lucky Sevens Bonus, allowing gamblers to enjoy payouts of 1,5x the initial wager if they are dealt three cards with a value of 7.

Blackjack Perfect Pairs

Blackjack Perfect Pairs by Swintt is a game that makes use of the classic rules of the game and the Perfect Pairs side bet. A total of 8 decks of cards come into play. This blackjack variation comes with an RTP of 99.13%, minimum allowable bets of $1, and maximum wagers of $100. Based on the players’ first two cards, the side bet’s payout is as follows: 25:1 for a Perfect Pair, 12:1 for a Coloured Pair, and 5:1 for a Non-colored Pair.

Roulette with Credit/Debit Cards

There are two main types of roulette: European single-zero roulette, which has a 2.7% house edge, and American double-zero roulette, which has a 5.3% house edge. A third variation, French Roulette is played on a standard European wheel and due to an additional rule, the house edge is lowered to 1.35%. Predicting the precise number the little ball will land on is all that it takes to land the highest-paying straight-up bet. Players can pick between a multitude of other wagers, including line bets, corner bets, and street bets, among others, featuring various payouts.

Dynamic Paytable European Roulette

Dynamic Paytable Roulette by EGT Interactive offers a perfect combination of the classic European roulette wheel with the thrill of the Dynamic Paytable. The standard rules of the classic game have been preserved and standard bets remain unchanged. Players can expect payouts of up to 120x their wager with every single spin, based on a random multiplier that has been integrated into the game. Besides the re-bet, double, and re-double functionalities, players have access to betting history and detailed statistics. The game is available both for desktop and mobile players.

Lucky Roulette

Lucky Roulette is an attractive roulette game developed by Belatra Games and released in 2020. It makes use of the classic European wheel with a single zero and features an RTP of 97.30%. Bets are in the range of $1 and $500. What sets Lucky Roulette apart from the other variations available on the gambling market is the fact that the lucky numbers deliver players the opportunity to win 50, 100, 200, 300, 400, or 500 bets.

Zoom Roulette

Zoom Roulette is an exhilarating 3D creation by Betsoft Gaming, featuring a single zero European wheel set-up and a couple of unique characteristics working to the benefit of players. The game’s crisp graphics and masterfully designed overall depiction make it aesthetically appealing. Besides the standard outside and inside bets, there are several other side bets such as Zero and Orphelins bets. Traditionally the highest payout of 35:1 is reserved for straight-up wagers, whereas bets on red/black, even/odd, and low/high numbers deliver payouts of 1:1.