The Best and Safest Casino Payment Methods in the US

Choosing the right payment method is essential when playing. It is crucial to make sure that your payment method is safe, but also speedy. Here, our team breaks down everything you need to know about the top payment methods used at online casinos in the US.

How secure are your payment details when playing at Online Casino?

In today’s tech world, we need to be able to do everything as quickly as possible. This includes payment transactions. 

Almost everything these days uses electronic payment methods whether it be shopping online to ordering dinner to playing your favorite casino games. 

The top online casinos in the US use various electronic payments such as credit/debit cards and e-Wallets. 

We will only recommend legally licensed online casinos. This guarantees that your personal and financial information stays safe and secure as it is regulated and monitored by state and federal government agencies. 

*Did you know?

Credit and debit cards are still the most popular form of online payment in the US. The top three used are VISA, MasterCard, and American Express. 

Most common Payment Methods Online in the US

Players will find that the majority of payment methods fall under three main categories:

  1. Credit/Debit Card
  2. e-Wallets
  3. Play+ Cards

This is not to say that there aren’t other payment methods, but just that these are the main ones used. Some online casinos do offer other payment methods as listed below. 

Payment Method Name Type Average Deposit Time  Average Withdrawal Time Provider’s Transaction Fees Casinos
Visa Credit Card Instant  N/A Between 0.8% to 3.8 %    All online casinos in the US
MasterCard Credit Card  Instant  N/A Between 0.8% to 3.8 %   All online casinos in the US
Discover Credit Card  Instant N/A Between 0.8% to 3.8 %
American Express Credit Card Instant N/A Between 0.8% to 3.8 %
PayPal eWallet Instant 1-3 days (Please allow up to 10 days for the transaction to appear in your account. This varies between operators.) No Fee
Skrill eWallet Instant 1-3 days (Please allow up to 10 days for the transaction to appear in your account. This varies between operators.) Skrill charges a fee of 2.9% to load an account using a Visa or MasterCard card and a fee of 7.50% to load an account using a Paysafecard prepaid card.
Neteller eWallet Instant 1-3 days (Please allow up to 10 days for the transaction to appear in your account. This varies between operators.)

The regular NETELLER fee for sending money is 1.45%, min USD 0.50.

  • BetMGM
  • Borgata
  • Caesars Casino
  • Hard Rock
  • PartyCasino
  • ResortsCasino.com
  • Scores Casino
  • Virgin Online
ACH transfer/e-check Online bank transfer Instant 2-5 days (depends on the operator) No Fee All online casinos in the US
Casino Play+ Card Prepaid card  Instant Instant  No Fee
  • BetAmerica
  • Betfair
  • BetMGM
  • Caesars Casino
  • Golden Nugget
  • Parx Casino
  • PokerStars
  • SugarHouse 
  • Unibet
  • William Hill
  • WSOP.com

 

 

VIP Preferred Online Bank transfer Instant 2-3 days No Fee
  • Caesars Casino
  • Golden Nugget
  • MoheganSunCasino.com
  • PalaCasino.com
  • PartyCasino
  • Unibet 
  • BetMGM
  • SugarHouse
  • William Hill
PayNearMe Cash / 7-Eleven Instant Instant  No Fee

All online casinos in the US

Check Check N/A 2-3 days (Up to 10 days for delivery) N/A
  • BetMGM
  • Golden Nugget
  • SugarHouse
  • Parx Online

The different types of payment methods

Players in the US will notice a lot of payment options listed above, but not all of them are offered at all online casinos. 

The good news is that you will find that the most popular methods of payment are offered at most. 

We will break this down in more detail for you below: 

Debit & Credit cards

The most commonly used payment method by online casino players is a credit or debit card. This is probably due to the speed of the transaction and added security that comes with using credit/debit cards. 

It is important to note that not every online casino accepts every credit card type. 

Players will also want to make sure that they contact their bank to alert them that they will be using their credit or debit card for such transactions. This will avoid your transaction from being flagged. 

VISA & MasterCard

VISA and MasterCard are the most widely accepted forms of payment as they are accepted at every online casino in the US. This method allows for the fastest and most secure deposit methods. 

For withdrawals, players will need to link their VISA or MasterCard to their PayPal or ACH accounts. This is also one of the fastest and most secure methods for withdrawals. 

Other Credit Cards

A few online casinos do accept Discover and American Express, but not very many. If this is your preferred method of payment, your options will be limited. 

If your PayPal or ACH account is linked to your American Express or Discover card and your online casino does not use that payment method, you will likely encounter issues at withdrawal. You will need to link an accepted payment method to your account to be successful. 

Casino Prepaid Cards

Players will notice many casinos accept a method of payment called “Play+ Cards.”  These are prepaid cards that players can use for both deposits and withdrawals. 

To get a Play+ Card players will need to order one directly from the online casino and keep it funded from their bank account. 

Like credit/debit card transactions, they are instant, but unlike them, there are no transaction fees associated with use. This makes Play+ Cards one of the most popular payment methods among online casino players. 

E-wallets

E-wallets are the next most popular payment method for online casino players in the US. 

Deposits via e-wallets are instantaneous, and withdrawals are much faster than many of the other methods available. 

PayPal

The most common e-wallet used in the US is PayPal. This is also the most accepted e-wallet at various online casinos throughout the country. 

Players can link their VISA or MasterCard to their PayPal account for fast, easy withdrawals. 

Deposit transactions using PayPal are fee-free!

Skrill

Skrill is a popular e-wallet that can be used at various online casinos in the US. However, it is not as accepted as much as PayPal is. 

Neteller

The other e-wallet players will see being accepted at some online casinos is Neteller. Neteller was specifically designed for online gaming and is accepted at many online casinos worldwide. 

Unfortunately, players will find the number of casinos in the US that accept Neteller to be minimal. 

Bank Transfers

A lot of players may be hesitant to use bank transfers as their preferred method of payment, but they are one of the most reliable and secure methods available. 

ACH Transfer

ACH stands for “Automatic Clearing House” transfer. All online casinos accept ACH transfers as a method of payment.  

This is a great route to go when selecting a payment method as there are no fees and it is one of the fastest methods available. This method can also be used for both deposits and withdrawals. 

Many of the top banks in the US allow players to use ACH transfers for online gambling. Here is a shortlist of such banks: 

  • Bank of America
  • BB&T
  • Chase
  • HSBC Bank USA
  • ING Direct
  • PNC
  • Regions
  • SunTrust
  • TD Bank
  • U.S. Bank
  • Capital One 360
  • New York Community Bank
VIP Preferred

Several online casinos in the US offer a VIP Preferred method of payment to easily allow players to set up ACH transfers for their account. Using the VIP Preferred method allows players to gain access to higher limits and players can also instantly cash e-checks up to $500. 

Cash Transactions

PayNearMe 

For those who prefer to do in-person transactions, there is the PayNearMe option. 

PayNearMe allows players to go directly to many locations to handle their deposits or withdrawals. These locations vary based on location such as a 7-11 or a local pharmacy. 

Players will need to provide the barcode provided by the online casino to the cashier of the establishment. Once the barcode is scanned, players may make their transactions via the cashier. 

Cash at the Casino Cage

Another option for players who live close enough to the land-based casinos is that they can visit the casino itself and do all deposit and withdrawal transactions at the Cage. 

This requires players to show a valid ID and casino account information. 

Update: Due to the current and ongoing pandemic regarding COVID-19, this type of transaction has been restricted as a means to keep all players and employees safe. 

*Did you know?

PayPal is one of the fastest-growing online payment methods in the world. In the fourth quarter of 2020, PayPal grew by nearly 24% compared to the previous year. This measure is tracked by way of active registered accounts. 

Solutions to common issues

There are plenty of common issues players may encounter when it comes to their payment method. Many of the answers to your problems can be found in your online casino’s FAQ page. If you still can’t get help from the FAQ, contact the casino’s customer support immediately to assist you.  

However, we have listed some answers to common problems below. 

1. I can’t find where to verify my payment methods

All questions regarding your payment method should be found in your profile account. Search there to see if your payment method was successful, or check the payment method’s account directly. 

2. I can’t change my payment method on my account

When you go to your account, you should find the means to change your payment method. If it isn’t there, try the Banking or Cashier link on the casino’s site. 

3. I can’t remove my credit card from my account

On your account, you should be able to fully update or delete your credit card information. If not, you can also contact your bank or credit card company directly to assist with your needs. 

4. In-game deposits from my mobile are not working

Do not attempt to retry this. Sometimes deposits take a bit of time to process. If you feel you have waited too long, contact customer support immediately; especially if the transaction has been processed out of your payment method’s account. 

5. My latest deposit hasn’t been added to my account

Again, sometimes transactions take time; even deposits. Do not attempt to do it again. If the transaction has not gone through after a 24 hour wait time, contact customer support. 

6. I am unable to withdraw my winnings

The most common reason for this is that a player is attempting to withdraw winnings from a bonus, but has not met all of the terms and conditions associated with the bonus. We recommend that you fully read all terms and conditions before opting for any bonus to avoid this. 

Another reason for this could also be that your payment method requires multiple steps to verify your identity. Check with your payment method provider to make sure that you are going through all necessary steps to adequately withdraw your winnings. 

7. I didn’t receive my winnings in full

This might, again, be due to terms and conditions attached to bonus winnings. Be sure to fully read all terms and conditions before opting for a bonus to avoid any surprises. 

Some casinos may charge a small fee for withdrawing winnings. Check beforehand on the casino’s website before registering to see if this may be the case. 

*Did you know?

The best online casinos in the US offer a 24/7 live chat customer support service. This service will put you in touch with a representative in a matter of minutes to help you with your questions. BetMGM and Golden Nugget both offer this service to their players. 

Top 4 Extra tips to help you decide on a Payment Method

1. Speed is Everything

In today’s modern world, we do not have the time to be waiting on slow-moving transactions. Make sure your payment method meets your need for speed for both deposits and withdrawals. Credit/debit cards and ACH transfers will usually be your fastest.

2. Secure = Safe

Whenever you are putting out your personal and/or financial information on the internet, you want to make sure you are doing so via the safest means available. 

This is why it is necessary to make sure you are only using the safe and secure payment methods listed on your casino’s website, and only playing at legally licensed online casinos. Players who play at offshore/illegal casinos risk the security of their data. 

3. Do Your Homework

Never skip reading the small print when it comes to terms and conditions at your online casino. There is a lot of important details they put in them, especially when it comes to bonus funds. 

Be aware of any wagering requirements, fees, or time limits that may be attached to any winnings attached to your bonus. 

4. Alert Your Payment Method Provider

Make sure your bank or credit card company knows that you intend on using your account for online gambling. This will keep your account from being flagged during any deposit or withdrawal transactions. 

*Did you know?

All US online casinos take responsible gambling seriously. Because of this, many offer a deposit limits tool that you can place on your account. This will allow you to set a limit on how much you can place in your account at one time. 

How to place a deposit and withdraw your winnings

Below, is a step-by-step guide to placing a deposit and withdrawing your winnings. 

How to place a deposit

Online casinos make making a deposit fairly simple:

  1. Find the Cashier page 
  2. Select your preferred payment method
  3. Enter the amount you would like to deposit into your account
  4. Review all details and confirm the transaction

How to withdraw the winnings

  1. Find the Cashier page
  2. Set-up your withdrawal method
  3. Enter the amount you would like to withdraw from your account
  4. Review all details and confirm the transaction 

Players should allow between 3-5 business days on all withdrawal transactions depending on their payment method being used


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