Online Casino Payment Methods

Playing at online casinos is possible thanks to the virtual payment methods that allow you to deposit and withdraw cash easily. There are so many casino banking options to choose from them these days, from traditional credit and debit cards to e-wallets, prepaid cards, bank transfers, etc. So there’s a method for everyone regardless of your preferences. You simply have to choose which one suits you best, and that’s what this guide will help you with.

Everything you need to know about making payments at online casinos is available here, as well as an introduction to how gambling payments work and the top solutions at the best online casinos in New Zealand.

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Author:

Anne Ifeanyi

Last Updated:

07/01/2024

Table of Contents

There are dozens of different gambling payment providers on the market. For the sake of this guide, we’ll cover them under the top payment method categories based on their characteristics and features.

E-wallets

Also known as digital wallets, these modern online payment solutions act as an intermediary between a player’s bank account and their casino account. They facilitate quick and secure transactions without the need to enter your sensitive banking information on the casino site. E-wallets have risen in popularity due to their convenience, allowing users to deposit or withdraw funds using only an email address (or phone number) linked to their wallet. They’re among the fastest ways to receive gambling payouts and are great for storing and managing your gambling funds.

LikePros
  • Check Fast deposits and withdrawals
  • Check No need to share bank details with casinos
  • Check Easy to track and manage transactions
  • Check Enhanced privacy
UnlikeCons
  • Cross May have fees for transfers or currency conversion
  • Cross Not all e-wallets accepted at every casino
  • Cross Must preload funds or link to a bank account
  • Neteller: Specialises in online gambling transactions with a fast and user-friendly platform, though it may incur fees not commonly associated with other methods.
  • Skrill: Offers instant transactions and is frequently used in online casinos. It also provides the ability to hold multiple currencies, which is advantageous for international players.
  • Ecopayz: Offers a secure online payment service, allowing users to send, receive, and spend money worldwide.

For more e-wallet solutions, check PayPal casinos and MuchBetter casinos.

Credit and Debit Cards

Debit and credit cards are a staple in the digital transaction space and maintain a dominant presence in the online casino industry. These bank cards are prized for their ease of use – you simply input your card details to execute a transaction. They are the most popular way to deposit at online casinos and are pretty common for withdrawals, too, although payouts can sometimes take up to 5 days to clear. Enhanced by cutting-edge security protocols such as 3D Secure, they offer a reliable and secure way to deposit and withdraw funds. They’re also readily accessible since almost everyone has a bank card with them.

LikePros
  • Check Universally accepted by casinos
  • Check Immediate transaction processing
  • Check Familiar to users
  • Check Advanced security features
UnlikeCons
  • Cross Slower withdrawal processing times
  • Cross Additional charges may apply

Top Credit/Debit Card Brands

  • Visa: Globally recognised, offers both credit and debit card options and is accepted at virtually all online casinos.
  • MasterCard: Known for its robust security features, it provides credit and debit cards and is accepted at most gaming sites.
  • American Express: Offers premium services with additional rewards, although not as widespread in the casino industry due to higher merchant fees.

Bank Transfer

Bank transfers are one of the most traditional forms of payment methods used in online casinos. They involve the direct movement of money from a player’s bank account into their casino account, offering a secure way to transfer large sums of money without the need for intermediary platforms. They are quite slow and can take up to 7 days at some casinos. Nonetheless, this method is favoured for its heightened security and the familiarity of dealing with one’s own bank, which often includes personalised customer service and the reassurance of established fraud protection measures. Thanks to its large transaction limits, it’s the go-to for high rollers.

LikePros
  • Check Highly secure with bank-level encryption
  • Check Suitable for large transactions
  • Check Trusted payment solution
  • Check Usually supports both deposits and withdrawals
UnlikeCons
  • Cross Slower processing times
  • Cross May incur higher fees
  • Cross Requires sharing bank details with the casino

Info: Bank transfers aren’t branded like other categories. They are simply transactions facilitated by your bank. You can also read about eCheck casinos.

Prepaid Cards

Prepaid cards provide a secure and straightforward alternative to traditional online payment methods. These cards are purchased with a predetermined value and can be used for online transactions without the need for a bank account, making them accessible and easy to use. A wide range of online casinos accept prepaid cards which is beneficial for those without access to direct banking services or who prefer not to share their banking information online. They are particularly appealing to players who want to manage their spending strictly, as once the loaded funds are spent, the card can no longer be used until reloaded.

LikePros
  • Check Budget control
  • Check No bank account required
  • Check Anonymity in transactions
  • Check Instant deposits
UnlikeCons
  • Cross Not suitable for withdrawals
  • Cross Requires upfront loading of funds
  • Cross Denomination limits
  • Paysafecard: This card is available at numerous outlets worldwide and is favoured for its user-friendly nature and the ability to use it without a bank account or credit card.
  • Neosurf: Offering a simple and secure way to pay and play online, Neosurf is a common solution in the casino industry for its ease of use and privacy.

For more prepaid voucher options, check Flexepin Casinos.

Mobile Payments

Mobile payment solutions offer a seamless and swift way to handle casino transactions directly from your smartphone or tablet. Leveraging the convenience of mobile devices, these payment methods utilise apps or built-in technology that allow users to make payments by simply using their mobile number or by tapping their device at digital checkouts.

The popularity of these payment methods stems from the growing trend of mobile gaming, aligning perfectly with the on-the-go lifestyle of modern gamblers. They’re underpinned by robust security measures such as biometric authentication and encryption, ensuring a secure transaction environment. Some mobile payments are device-specific, like Apple Pay and Google Pay. Others are more generally accessible, like mobile billing solutions, where charges are applied to your monthly phone bill or deducted from prepaid balances.

LikePros
  • Check Highly convenient and quick
  • Check Enhanced security with biometric authentication
  • Check Ideal for on-the-go gaming
  • Check Direct billing to phone account possible
UnlikeCons
  • Cross Transaction limits may be lower
  • Cross Not typically used for withdrawals
  • Cross Not accepted at all casinos
  • Apple Pay: Offers a secure and private way to pay with a simple touch or glance, available for Apple users.
  • Google Pay: Allows Android users to pay quickly on apps, websites, and in stores secured by Google.
  • Boku: Specialises in mobile billing, letting users charge casino deposits directly to their phone bill.

For more mobile billing options, check PayByPhone Casinos.

Online Banking Methods

Online banking services offer a digital approach to traditional bank transactions. The selling point is the ability to transact directly from a bank account without needing a credit card or preloading a separate wallet. At the same time, you won’t have to disclose sensitive financial information directly to the casino since the service provider acts as an intermediary.

You can think of them as a bridge between direct bank transfers and digital wallets, bringing together the best of both worlds. Online banking methods are much faster than regular wire transfers, and you can use these services without registering or downloading any apps. These methods are also highly secure, often requiring multi-factor authentication and utilising the same encryption standards as banks do.

LikePros
  • Check High level of security and encryption
  • Check Direct link to your bank for easy transactions
  • Check Faster than standard bank transfers
  • Check User privacy is maintained
UnlikeCons
  • Cross Not all banks may be supported
  • Cross Not available at all casinos
  • Cross Can be subject to bank-specific fees
  • POLi: Popular in Australia and New Zealand, this service facilitates online bank transfers without the need for a credit card.
  • Trustly: Offers secure and swift transactions by linking directly with your bank account, widely used across Europe. It powers the unique Pay N Play casinos.

Cryptocurrencies

Cryptocurrencies have emerged as a revolutionary payment method in the online casino world, providing a level of anonymity and security unmatched by traditional payment methods. These digital currencies operate on blockchain technology. They offer decentralised transactions that are fast and often have little to no fees. The use of cryptocurrencies in online casinos is praised for its privacy, as it doesn’t require players to share personal financial information, and for its efficiency with cross-border transactions without the complications of currency conversion. For these reasons, they are popular at offshore casinos that accept New Zealand players.

LikePros
  • Check High anonymity and privacy
  • Check Low transaction fees
  • Check Fast deposits and withdrawals
  • Check Global accessibility without currency conversion issues
UnlikeCons
  • Cross Volatile value fluctuations
  • Cross Not universally accepted by all casinos
  • Bitcoin (BTC): This is the first and most widely recognised cryptocurrency, known for its wide acceptance and strong security feature
  • Ethereum (ETH): Offers faster transaction times than Bitcoin and the added functionality of smart contracts
  • Litecoin (LTC): Designed for smaller and faster transactions, appealing to users looking for efficiency

How to Select the Best Online Casino Payment Methods

Selecting the right payment method for online casino gaming is as crucial as choosing the right casino site, and there is a lot that goes into it. Below are the key factors to consider when picking your preferred casino payment options. The best choice is one that balances all these elements to meet your specific needs.

Safety and Security

Where online payments are concerned, the number one priority should be the safety of your financial data. Look for payment methods that offer advanced security measures like end-to-end encryption, two-factor authentication, and fraud protection. These security checks are in place to prevent fraud and money laundering and to ensure compliance with regulatory requirements. Trusted payment providers always invest heavily in securing transactions and safeguarding user information.

Fees and Costs

Understand the fee structure associated with each payment method. Some may charge a percentage of the transaction, while others may have fixed fees. Opting for methods with lower fees means you keep more of your winnings. Additionally, check if the casino imposes its own processing fees.

Payout Times

One of the joys of online gambling is being able to cash out your winnings promptly. Compare the withdrawal times between payment methods, as they can vary from instant to several business days. E-wallets typically offer the fastest withdrawals, whereas bank transfers take the longest.

Transaction Limits

Different online casino payment methods have varying deposit and withdrawal limits. Depending on whether you’re a high roller or a casual player, you’ll want to choose a method that aligns with the amount you intend to transact. In this case, bank transfers are known to support the largest sums.

Currency Support

If you’re playing at an international online casino, make sure the payment method supports the local currency. This can prevent additional charges for currency conversion and allows for smoother transactions.

Payment Method Bonuses

Some casinos offer bonuses for using certain payment methods. Check if using a particular option qualifies you for additional match bonuses, free spins, or other promotional offers. In the same vein, some banking options have bonus restrictions, and if you’re a bonus lover, you’ll want to avoid using those for the first deposit.

Ease of Use

Consider how easy it is to set up and use the payment method. You’ll want a hassle-free experience where you can deposit funds quickly and focus on playing your favourite casino games.

How to Pay and Get Paid

In this section, we’ll walk you through the steps for depositing and withdrawing at online casinos. The processes are fairly easy, but if you’ve just started making payments at gambling sites, it may seem challenging at first. The great thing is that the steps are more or less the same at any casino you play. So once you get the hang of it the first time, you’ll be gliding right through, even when trying out new casino sites.

Depositing at Online Casinos

  1. Sign up at the casino
  2. Head to the ‘Cashier’ section
  3. Select the ‘Deposit’ tab
  4. Enter the amount you want to deposit
  5. Select your preferred deposit method
  6. Enter your payment details
  7. Confirm the transaction

Note: With some deposit methods, you may be redirected to your payment provider’s platform to confirm the transaction from there.

Withdrawing at Online Casinos

  1. Play casino games and win
  2. Head to the ‘Cashier’ section
  3. Select the ‘Withdrawal’ tab
  4. Enter the amount you want to withdraw
  5. Select your withdrawal method
  6. Confirm the transaction
  7. Wait to receive your funds

Note: You may not need to re-enter your payment details, if you’re cashing out with the same method used in depositing

What You Should Know About Online Casino Payments

If there’s one thing about online casinos, it’s that they always have fine print. While you may be aware of the importance of terms and conditions for online casino bonuses, you may not know that payment policies are just as crucial. We recommend reading the payment policy at your chosen casino before you begin playing. In the meantime, here are some of the prominent ones you should know:

Fees & Limits

Most casinos don’t charge fees for deposits, but withdrawal fees can vary. While the top sites will also let you get your full payout down to the last penny, others may apply a little fee. Additionally, there are often minimum and maximum limits for both deposits and withdrawals, which can differ based on the payment method and casino policy. Casinos may also set limits on how much you can withdraw daily, weekly, and monthly.

Looped Payments

At many gambling sites, players are required to use the same method for withdrawals as they did for deposits. This is known as a ‘looped payment’ and is a security measure to prevent money laundering. If this is the case at your chosen casino, your withdrawals will automatically be processed to the same account used in depositing. However, if the payment method you’ve used doesn’t support withdrawals, the casino will let you use some other option, although this may cause some delay.

Pending Times

After initiating a withdrawal, there’s often a ‘pending’ period before processing begins. This is also called an approval period during which the casino will review your request, and may ask for any additional documentation needed for verification. Depending on the casino’s policy, pending time can range from 24 hours to several days. During this time, you can choose to retract the withdrawal.

Bonus Restrictions

It’s a standard rule that if you have any ongoing bonuses, you must complete the wagering requirements before withdrawing. Otherwise, your winnings may be forfeit. Also, certain payment methods may be restricted for claiming a deposit bonus, as is often the case with Skrill and Neteller. Some casinos are lenient and will not take away your eligibility for using a restricted payment method for your first deposit. You simply have to use the right one to get the bonus. Unfortunately, others are stricter, and you will no longer be eligible for bonus claiming if you use the wrong method.

Verification and KYC Checks

Casinos are legally required to verify your identity. According to standard KYC (Know Your Customer) procedures, you’ll need to provide documents such as a copy of your ID, proof of address, and possibly proof of payment method before you can withdraw funds. For larger sums, casinos may require additional verification steps. Verification means it will take a little longer before you receive your funds, but it also shows that the casino is safe and operating legally. The best sites provide speedy verification within a few hours.

Payment Issues You May Encounter at Online Casinos

Declined Payments

This can happen for several reasons, such as entering incorrect payment details, insufficient funds, or expired payment methods. Sometimes, you may have just reached your transaction limit, and you don’t know it yet. On the other hand, the issue may lie with the casino’s payment processing system. Banks or credit card companies might also decline payments due to their own restrictions on gambling transactions.

If your payment is declined, double-check your payment information, confirm you have adequate funds, and review your bank’s policies on gambling transactions. You can also reach out to the casino’s customer support for clarification or to try an alternative payment method.

Delayed Approval

Payouts can sometimes be delayed further than the stipulated pending time. The casino may have been unable to verify your identity, in which case you may be required to provide more documentation. High volumes of transactions, especially during peak times, can also slow down the entire payment process.

If your withdrawal approval seems unusually delayed, first check the casino’s policy on processing times. If the stipulated time is exceeded, you can reach out to their customer support to inquire about the status of your transaction.

The evolution of online casino payments is marked by a shift from conventional methods to innovative digital solutions. Initially, players depended on direct bank transfers and mailed cheques, but the internet era ushered in credit card payments as a staple for online transactions. Then the 2000s saw the rise of e-wallets, providing a new level of convenience and speed. The introduction of cryptocurrencies has further transformed the landscape, providing anonymity and reducing transaction fees.

What’s evident over the years is that the online casino industry is always at the front of the line in adopting the latest innovation. With the future of the online payment industry being limitless, so is the potential for better and more efficient casino transactions. Moving forward, focus will be on increased speed and security, which are currently in high demand from players. The use of cryptocurrencies and blockchain technology is expected to grow, with operators maximising its transparency and fraud prevention qualities. We are also likely to see the growth of fintech and the use of AI to personalise payment solutions and enhance security.

The whisper of Virtual Reality (VR) in online gambling is growing louder, and applying this technology to payment systems could enable more interactive payment experiences. In addition, contactless mobile payments and biometric verification methods, such as fingerprint and facial recognition, are set to become more prevalent.

Tips for Smooth Online Casino Transactions

For the most part, the banking experience at online casinos depends on the operator’s payment policy and the reliability and safety of the payment provider. Where the casino or payment provider is doing a bad job, there’s not much you can do as a player. However, where you’ve got an excellent payment method casino, the last thing you want is to be the cause of your own transaction downfall. So here are some tips for handling your casino payments for the best experience:

  • Always check payment limits so that you don’t have declined transactions for exceeding the threshold.
  • Make sure your first deposit meets the minimum requirement, especially if you’re looking to claim a welcome bonus.
  • Don’t try to make a withdrawal until you’ve cleared any ongoing wagering requirements.
  • Check that your deposit method also supports withdrawals in order to prevent additional delay when withdrawing.
  • The faster you submit your documents for verification, the faster you can receive your withdrawals. So stay one step ahead of the casino and prepare your documents beforehand.
  • If you’re a beginner, you’ll have an easier time using payment methods you’re already familiar with, like debit cards or PayPal.
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    This casino’s opening offer will leave you in a right spin! Spinz Casino welcomes new players with a whopping matched deposit bonus of up to NZ$1,000 PLUS 200 free spins. Nice! Simply sign up and deposit anywhere between NZ$10 and NZ$1,000, and Spinz Casino will match your deposit as a bonus. Free spins are awarded at a rate of 25 per day for eight days. You will need to wager/play through your bonus amount x35 before you can withdraw any winnings. Any wins from free spins will also need to be played through x35 before they can be converted into cash. In an industry where an average wagering requirement is x40, this is a very nice opening gambit to attract new players. There are a couple of other terms and conditions you will need to bear in mind when playing, which we’ve listed below.

    Terms & Conditions

    • Minimum deposit NZ$10
    • X35 wagering requirement on bonus and free spin wins
    • Max bet for wagering is NZ$5
    • Games contribute different percentages when wagering – check before you play
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    New players only  One account per household/IP address Bonus wagering x40 Free spin wagering x40 Max bet when wagering NZ$8 Winnings capped at NZ$15,000 Not all games contribute the same to wagering – check before you play

    Welcome Bonus – 100% Bonus up to NZ$10,000 Plus 100 Free Spins

    There are only two words to describe ZotaBet’s opening offer – ABSOLUTELY MASSIVE! Their bid to attract new customers sees them offering a phenomenal matched deposit bonus of NZ$10,000 plus 100 free spins. You’d be hard-pushed to find a bigger opening offer anywhere else. So, how does it work? You simply have to deposit anywhere between NZ$30 and NZ$10,000, and they will match it. Of course, there are some terms and conditions you will need to abide by. The main one is that the bonus awarded (and any wins from free spins) will need to be wagered x40 before you can withdraw any winnings. This is bang on average in terms of wagering, so spin away! This is one heck of an opening offer.

    Terms & Conditions

    • New players only
    • One account per household/IP address
    • Bonus wagering x40
    • Free spin wagering x40
    • Max bet when wagering NZ$8
    • Winnings capped at NZ$15,000
    • Not all games contribute the same to wagering – check before you play
    +

Online Casino Payment Methods FAQs

Is it safe to enter my banking details at an online casino?

It is safe to enter your banking details when playing at a licensed and secure online casino site. The top casinos have robust security protocols like SSL encryption and firewalls to ensure your details never fall into the wrong hands.

What is the fastest online casino payment method?

E-wallets are usually the fastest methods for withdrawing at online casinos. When it comes to deposits, they are tied with credit/debit cards for near-instant deposits. Cryptocurrencies also have a reputation for speedy transactions.

How do I identify a fast payout casino?

You can identify a fast payout casino by the range of methods they provide and the processing time stipulated in the payment terms and conditions. Their reputation will also let you know if they actually pay players as quickly as they say.

Can I deposit and withdraw when playing on my mobile phone?

Yes, you can. Most payment methods are mobile-friendly, meaning you can use them from your mobile browser or download the mobile payment app.