The Best Online Casino Payment Methods in the US for 2024

There are over 20 different online casino payment options and choosing the right one for you can be hard. That’s why I’ve created a page dedicated to the best online casino payment methods, helping you find the right option for you. To do so, you have to know a bit about each type of casino payment method.

Types of Online Casino Payment Methods Available in the US

As I mentioned, there are over 20 types of casino payment methods, and in this section I’ll briefly explain each payment type and highlight their benefits and disadvantages.

Credit Cards, Debit Cards & Prepaid Cards

For casino players, bank cards are a popular method for depositing and withdrawing funds. Here’s how each type works:

• Credit cards allow you to borrow money from the issuer to play now and pay later.

• Debit cards deduct funds directly from your checking account.

• Prepaid cards must be pre-loaded before use.

Bank cards are a highly favored method due to their widespread familiarity and ease of use. They provide a straightforward and secure method for casino payment transitions. Nearly all online casinos will accept at least one kind of bank card and almost everyone has access to one.

Visa Debit Card

Visa is the most popular payment method in the world, and it is accepted in millions of locations globally and online. This popularity extends to betting, where Visa debit cards are a standard option at online casinos. 

Because it is a debit card, funds are directly taken from your account, meaning that betting transactions will appear on your bank statement. 

As the leading payment provider, Visa offers robust security measures to protect players’ transactions, including advanced fraud detection, encryption, and zero liability policies.

Scores High In: Availability, Convenience, Ease of Use, Security

Mastercard Debit Card

Mastercard is the second biggest provider of debit cards, so it’s naturally a standard payment method at online casinos. Like Visa, it is reliable and trusted by users for online transactions. 

With Mastercard, players can easily deposit and withdraw their funds with the peace of mind that their casino payments are protected by advanced security measures.

Take a look further at the best Mastercard online casinos.

Scores High In: Availability, Convenience, Ease of Use, Security

Discover

Discover is a provider primarily of credit cards, but it also offers debit credits. It serves as both a card issuer and a payment network. While Discover has emerged as a prominent payment card provider in the US, it is not as widely available at online casinos as Visa and Mastercard. Like other credit cards, they are typically not accepted for withdrawals.

Take a look at the best Discover casinos.

Scores High In: Convenience, Ease of Use, Security

AMEX

American Express, or AMEX, is a leader in the global credit card industry. It is particularly popular among those who travel frequently or make large purchases, offering a variety of premium perks. So, it is ideal for those looking to receive extra benefits for their betting activities. However, as AMEX exclusively issues credit cards, you can’t make any withdrawals at online casinos with them.

Check out the best American Express casinos.

Scores High In: Rewards, Ease of Use, Security

Credit Cards

Credit cards allow users to borrow funds from the provider or bank for immediate use. You purchase products or services on credit, acting as a deferred payment. Interest fees apply if a balance isn’t settled by the specified deadline.

Visa, Mastercard, Discover, and American Express are commonly accepted credit cards at online casinos. Players can instantly fund their accounts using these cards and settle their bills later. Since credit cards are designed for outgoing payments, they can’t be used for withdrawals at online casinos. There are also some depositing limitations in some states.

If you are in Iowa, Tennessee, or Massachusetts, you won’t be able to initiate credit card transactions with gambling sites at all due to state regulations, while New York imposes a $2,500 yearly limit on credit card transactions.

Take a look at our list of the best credit card casinos.

Scores High In: Security, Rewards

Prepaid Cards

Play+ is a prepaid card specifically for betting. Players must create an individual Play+ account for each casino where they want to use it. It is a reloadable account where users can top up funds through several methods, such as Visa, Mastercard, Discover, bank transfers, and PayPal. 

As it is not directly linked to your bank account, there’s an extra layer of security, so betting transactions won’t show up on your bank statement. The downside is that you’ll need to regularly top up your Play+ account before making deposits.

For more information, explore our best Play+ casinos.

Scores High In: Anonymity, Speed

Chime

Chime provides banking services through its mobile app and website. While it is a digital financial platform, it is not recognized as a traditional bank. After opening a Chime checking account, customers receive a free Visa debit card. This can be used anywhere where Visa is accepted, including nearly all online casinos.

Scores High In: Availability, Convenience, Ease of Use

E-Wallets

E-wallets are digital payment tools that allow you to make quick and easy online purchases by linking to your debit card, credit card, or bank account. By serving as a buffer between your bank or payment card and the casino, they improve privacy and ensure your sensitive financial details aren’t disclosed.

When you deposit or withdraw through an e-wallet, the transactions are only recorded in the e-wallet’s history, not on the bank or card statements.

What sets e-wallets apart from other online casino payment methods is their speed. They are usually the quickest way for players to access their winnings, making them a preferred option for many players.

The downsides of using e-wallets include the potential fees charged by the company and the extra effort required to sign up for an account and top up your e-wallet.

PayPal

PayPal is the most popular e-wallet widely available in the US. It is typically one of the fastest online casino withdrawal methods available, sometimes processing withdrawals within just a few hours.

You can fund your PayPal account by linking your bank, debit, or credit cards.

Find out which are the best PayPal online casinos.

Scores High In: Availability, Speed, Privacy

Venmo

Venmo is another e-wallet that can be used to fund your online casino account and other digital transactions. Just like PayPal, it is known to process withdrawals speedily after they have been approved by the platform. 

However, users cannot use their credit or debit cards to load funds onto their accounts for betting due to Venmo’s specific regulations. Instead, they must connect their bank accounts for transactions at online casinos.

Find out which online casinos are best for Venom.

Skrill

Skrill is a digital wallet where users can store funds, make payments, and receive money, same as with PayPal and Venmo. 

You can fund your Skrill account through bank transfers, credit cards, or debit cards. It is particularly popular for gambling and is a common option at online casinos internationally, in addition to some US betting sites.

Scores High In: Speed, Privacy

Bank Transfers

Bank transfers are a traditional and reliable method that online casinos widely accept. This method involves direct transactions between your bank account and the casino, offering a high level of security and often preferred by players making large deposits.

Online casinos offer the following bank transfer methods, including Trustly, online banking, VIP Preferred, and wire transfers. The difference is in how funds are transferred.

Explore more about bank transfers at online casinos.

Trustly

Trustly acts as a middleman between your bank and the online casino, so you don’t worry about sharing your bank details directly with an online casino. 

Partnered with more than 6,300 banks, players simply have to select their bank and log in through the Trustly portal while depositing. Conveniently, there’s no need to create a separate Trustly account. 

Trustly is widely available at online casino sites.

Scores High In: Security, Acceptance

Online Banking

Online banking lets you directly fund your account through the bank’s website or app. Instead of using the casino’s interface, you log into your bank account and complete the transfer by sending funds to the details given by the online casino. 

Since you are transferring funds through your bank’s platform, you don’t have to worry about sharing any payment details with the online casino.

Scores High In: Security

VIP Preferred

VIP Preferred is a specialized eCheck service that facilitates bank transfers through the Automated Clearing House (ACH) system, using your routing and account numbers rather than your bank’s login credentials. Since ACH transfers are processed in batches, they are processed slower than other methods; withdrawals can take anywhere between 3 and 5 days.

However, it is a good option for higher-stake players as it tends to have higher deposit and withdrawal limits than other payment methods. You’ll need to set up an account the first time you use VIP Preferred. But once that’s done, your banking details are stored, so you won’t need to re-enter them for future casino transactions.

Check out the best VIP Preferred online casinos.

We also have a dedicated list of best eCheck online casinos.

Scores High In: Availability

Wire Transfer

Wire transfers allow you to send funds straight to your online casino account through networks like SWIFT or Fedwire. This method is great for handling large transactions that exceed the limits of other payment methods, making it ideal for high rollers.

Scores High In: Security, Higher Limits

Other Online Casino Payment Methods

Cryptocurrencies

Unlike traditional currencies, cryptocurrencies operate with no central authority overseeing transactions. Instead, they function on a decentralized system through blockchain technology, offering highly secure and private transactions. 

Bitcoin, Ethereum, Ripple, and Litecoin are well-known cryptocurrencies that are just a few among the thousands available. Although crypto payments aren’t accepted at online casinos in the US, their growing popularity suggests that this could change in the future.

However, you can use cryptocurrency to purchase coins and redeem prizes at many sweepstakes casinos in the US, including Stake.us and Scrooge Casino.

Scores High In: Speed, Privacy

Cash at Retail Locations

Online casinos may support cash deposits at their brick-and-mortar partners. The availability of this varies from state to state depending on local gambling laws and the online casino's partnerships. In states where it is allowed, you can only deposit cash where the online casino operates a physical location or is partnered with a nearby casino.

Scores High In:  Security, Privacy

PayNearMe

PayNearMe is a convenient option for online casino players to fund their accounts using cash at more than 62,000 stores and outlets. To complete your deposit, you simply have to show your reusable barcode from the platform at the checkout. 

One advantage of using PayNearMe is that you don’t need to disclose sensitive financial information with your chosen online casino. On the downside, it is subject to a fee ranging between $1 and $5 for every deposit and can’t be used to withdraw winnings.

Explore the best PayNearMe online casinos.

Scores High In: Security, Privacy

Apple Pay

Apple Pay is a payment service that allows users to make casino payments easily and quickly through their devices. 

I’d recommend it to casino players who prefer mobile gaming, as you can deposit with just a click without the hassle of entering any details.

It works by adding a credit, debit, or prepaid card to the Wallet app and verifying payments through biometric data. Due to regulations, you can’t use Apple Cash for real-money gaming transactions, which includes online casinos as well. 

Apple Pay, as the name suggests, is designed specifically for Apple users, which means that if you have an Android phone, you won’t be able to use it and unfortunately, Google Pay is no longer available in the US.

Take a look at the best Apple Pay online casinos.

Scores High In: Ease of Use, Security, Privacy

Prepaid Gift Cards

Prepaid gift cats, just as their name suggests, come preloaded with funds you can use at online casinos. They can be purchased in stores and online. Players who value privacy and security in their transactions prefer these cards, as no financial information is needed.

Scores High In: Privacy, Security

How to Choose the Best Online Casino Payment Method

Now that I have covered the benefits of each online casino payment option, you can pick the best one by comparing the key elements I have listed below.

Privacy and Security

Keeping your banking and private information secure should always be your top priority.

Knowing that your financial transactions and personal information are protected gives you peace of mind, so it is important to select a trustworthy payment method.

For high security, traditional methods like bank transfers or payment cards are reliable, as they are backed by reputable financial institutions.

If privacy is an important factor, then e-wallets and prepaid cards are ideal since they keep your financial information private and transactions don’t appear on your bank statement. 

Cryptocurrencies offer both strong security and privacy, using advanced technology and decentralized networks to safeguard your transactions. But you can’t use them at online casinos.

Choosing a regulated and legal online casino ensures your privacy and payment info will be protected due to state and federal regulations.

By sticking to these platforms, you can be assured that your transactions are safe. On the other hand, this level of security isn’t offered at unregulated offshore sites, which lack a regulatory body overseeing them or a license, so they don’t have to follow the same standards or protections.

Timeframes for Deposits & Withdrawals

When deciding on a payment method for an online casino, it’s important to look closely at the timeframes for deposits and withdrawals. 

Most methods facilitate instant deposits, but transactions involving cash can have minor delays before they show up in your account.

However, withdrawal processing times can significantly vary depending on your online casino and the payment method. E-wallets typically offer the quickest turnaround time, whereas bank transfers are known to be slower.

Some players may prioritize quickly receiving their winnings, while others might opt for a more secure option, even if it means waiting a bit longer. It is simply down to your preference. You can find specific casino deposit and withdrawal timeframes for a specific method on our casino payment method pages.

Processing Fees

Leading online casinos, like those on our list of best real money online casinos, typically don’t impose their own fees for deposits and withdrawals. However, the provider of your chosen payment method or your bank might apply charges for these transactions. 

While these fees are often minimal, they can add up, especially if you make frequent transactions. For example, PayNearMe has a fixed charge for each transaction, and, in some cases, e-wallets can impose fees for transferring funds out of the account. It’s wise to weigh these potential costs against the advantages of each payment method when choosing how to deposit and withdraw at an online casino.

Bonuses and Promotions

Before you commit to a payment method, you’ll want to check that it qualifies for any promotions or deposit bonuses. Occasionally, I only saw it once, an online casino may exclude specific payment methods from bonus eligibility. But they may also offer a special promotion for a particular payment option.

If you’re interested in a specific online casino promotion, always check the terms and conditions for any requirements related to payment methods. This will save you frustration and hassle if you deposit and then realize that you don’t qualify.

Ease of Use

Another important factor to consider is how straightforward and convenient the payment method is. You’ll want to be able to deposit and withdraw funds without any hassle. If you’re familiar with a certain payment method or have already set up an account for it, sticking with it might be the easiest choice.

For example, buying, storing, and using cryptocurrencies involves multiple steps and is more complex than other methods. Using banking cards, in comparison, is a familiar option to anyone who has made an online transaction.

Availability

There’s no guarantee that the same options will be available across all online casinos. Before signing up, it’s important to check the casino’s accepted payment options if you want to use a specific method.

Online Payment Methods Availability by Casino

Take a look at all the casino payment options available at our favorite US casinos:

Some methods, like cryptocurrencies, aren’t available at all since they can’t be used for gambling in the US. 

How to Deposit at an Online Casino

Depositing funds at online casinos is an easy and almost instantaneous process. I’ve outlined the process below so you can follow exactly how it works.

1. Set up your account.

Firstly, click the “Sign Up,” “Register,” or “Join Now” button to get started. This will lead you to the registration page, where you’ll need to enter details like your full name, email address, and create a password. 

You’ll also need to verify your identity, which is a regulatory requirement for US online casinos. This step usually involves confirming your phone number or email and providing a valid ID, like a driver’s license or passport. Additionally, you’ll need to submit your date of birth to confirm your legal age, full address for state eligibility, and the last four digits of your SSN.

Completing full verification early is a good idea, as it gives the platform time to verify the information so you can quickly and easily withdraw. Some casinos let you create an account and start playing with only basic information but won’t let you withdraw your winnings until you’ve verified your identity. 

2. Find the casino deposit section.

Once your account is set up, you’ll need to add funds before playing any games or claiming your welcome bonus. Look for the section where you can deposit money; often, it is called "Deposit," “Add Funds," or "Banking.”

Here, you’ll find the various payment methods available. Take into account that the method that you choose for depositing may be the same one you’ll have to use for withdrawals.

3. Choose your payment method.

Now, you can select a payment method and follow the instructions provided. For example, if you’re using a credit or debit card, simply enter your card information. For e-wallets or online banking, you may be able to log into that account directly. 

Next, input the amount you want to deposit, making sure it meets the minimum requirement, typically $10 to $20. Remember that your first deposit often qualifies for a welcome bonus, so it’s wise to deposit an amount that maximizes this offer.

4. Confirm your deposit.

After that, click and confirm the deposit so that it can be processed. In some cases, you’ll need to verify the transaction through your payment provider’s app or website as a security measure. Deposits are usually processed immediately, allowing you to start playing games straight away.

How to Withdraw at an Online Casino

Withdrawing funds follows a similar process across most online casinos, although time frames vary. Simply follow this step-by-step guide:

1. Find the withdrawal section.

After logging into your account, locate the withdrawals section. This might be under the cashier or banking section or under a separate ‘Withdrawals’ tab. 

Check that your account is fully verified to ensure a quick and smooth process.

2. Select your casino withdrawal method.

Choose the method you’d like to use to withdraw your funds. Usually, this needs to be the same as your deposit method. But if it’s unavailable, you’ll need to select an alternative option. Online casinos tend to have more choices for deposits than withdrawals.

3. Enter and confirm your withdrawal.

Enter the amount that you want to withdraw. You’ll need to ensure you’ve collected enough winnings to have the minimum withdrawal required for payout and that you don’t have any pending wagering requirements on any money you won through a bonus. There’s also a maximum limit on how much you can cash out at once. 

After confirming the amount, double-check your details and proceed with the withdrawal request. It will be sent to the online casino for verification and processing.

4. Wait for your funds.

Now, all you have to do is wait. You should receive a confirmation email or be able to monitor the withdrawal status on the platform. The processing time of the online casino can vary. It’s pretty normal for casinos to impose a mandatory pending period of a day or two on all withdrawal requests, but in other cases they can be processed in the same day or even instantly.   

Once they’ve approved the request, the time frame depends on your payment method, ranging from a few hours to several days.

If the process takes longer than expected, I recommend contacting customer support to resolve any delays. 

Common Online Casino Payment Issues

Payment issues at online casinos can happen and when they do, it’s quite frustrating. Being proactive and understanding these potential obstacles beforehand can help you to avoid issues later on. I’ve listed some typical challenges below. If you can’t fix the problem yourself, remember that customer support is always available to help you.

Verification

Verification is needed at any online casino site before you can withdraw any winnings. This is a preventative measure against illegal activities such as fraud, money laundering, and underage gambling. Players must provide documents to verify their identity and confirm the details they submitted at registration.

Verification is typically required during registration, although it may be completed after an account is set up. All submitted documents must be legible, up-to-date, and consistent with your provided information. Otherwise, this can lead to delays or rejections in the verification process, stopping you from making deposits and withdrawals.

Minimum & Maximum Limits

Online casinos have minimum and maximum limits on both deposits and withdrawals. These limits can change depending on the payment method. Sometimes, the payment provider will set their own restrictions, like PayNearMe’s daily maximum deposit of $500 or Venmo’s weekly one of $7,000.

This can pose different challenges depending on the player. Beginners may feel restricted by high minimum deposits, as they might be uncomfortable committing large amounts of money right away. 

On the other hand, high-stakes players might find the maximum deposit limits or withdrawal limits constricting, preventing them from playing or cashing out large sums. 

Additionally, those who play with small amounts might struggle to meet high minimum withdrawals when cashing out.

If this is a concern, being aware of these limitations beforehand can help you steer clear of any potential setbacks later on.

Wagering Requirements

Wagering requirements are a condition attached to casino bonuses. It refers to the number of times your bonus credit, or your winnings from a free spin or free bet, have to be played before any winnings can be withdrawn. This stipulation prevents players from cashing out bonus funds without actually playing.

Wagering requirements vary significantly between one casino and another and even across different bonuses at the same casino, but generally they are between 15x to 50x. High wagering requirements can be a nuisance, prolonging the time taken before you can access your winnings. 

Before claiming any bonus, you should always check the terms and conditions to see if the playthrough conditions are reasonable and manageable.

Blocked Deposits

Banks and credit card companies can impose strict restrictions on gambling transactions. Although legal, betting at online casinos is viewed as a high-risk activity due to concerns of fraud, chargebacks, and money laundering. Many financial institutions choose to block all gambling-related transactions entirely to sidestep any potential risks or legal complications. 

This can be an issue for players who want to use this method at their online casino. If you want to use funds from methods that block betting transactions, your only option is to opt for an alternative that acts as a middleman between the provider and the casino.

Legal and Illegal US Casino Payment Methods

Whenever money is on the line, it’s essential to be cautious. At online casinos, you should always opt for verified, legal, and regulated payment methods. These options are not only compliant with gambling laws but also protect against potential fraud or theft.

A surefire way to know if a payment method is secure is by choosing an online casino that is licensed in your state. Licensed platforms must legally adhere to strict regulations, ensuring that your transactions are safe. 

On the other hand, offshore sites operate without legal oversight. This means they might have unverified and unregulated payment options, exposing you to major risks like fraud, theft, and other security concerns. It’s best to avoid offshore platforms altogether, as there’s no legal avenue if things go wrong.

Your safest bet is to stick with a legal and regulated online casino site that offers trustworthy and vetted payment options. This is a less risky choice and ensures that your funds are secure and protected.

Why Trust Us?

At WSN, our goal is to provide trustworthy, thorough, and insightful advice to our readers. We ensure that every piece of content we produce is grounded in actual, hands-on experience. 

Our rating approach consists of extensively exploring each online casino site and testing it out from the perspective of a user. What really makes us different is that we don’t cut corners. We go through every step ourselves, from signing up and depositing to withdrawing winnings.

Our team is made up of experts who have spent years in the gambling industry. So, we have the experience to back up each piece of praise or criticism we write. We’re not just reviewers but also avid casino players. That’s why we’re able to offer guidance that is both deeply knowledgeable and genuinely practical.

We carefully examine the strengths and weaknesses of each platform, giving you a balanced perspective to help you make informed decisions. Our ultimate aim is to ensure that the content we provide is valuable, accurate, and beneficial to your betting. Whether you’re a beginner or a seasoned player, we’re here to help you make the most of your gaming experience.

Gamble Responsibly

Casino gaming is exciting, but it is easy to get carried away. Gambling can lead to unhealthy habits and has the potential to be addictive, which can lead to financial and emotional burdens. At WSN, we’re aware of the dangers associated with gambling, which is why we want to emphasize the importance of responsible gameplay.

Before playing games, set a clear budget to keep your spending in check. Chasing losses will do more harm than good. Gambling should be fun, not stressful. If it starts feeling like you’re losing control, it’s time to take a break.

Online casinos offer tools to help you manage your gambling. If needed, you can opt for self-exclusion, session alerts, betting and depositing limits, and the option to close your account for a short period.

If you’re looking for external support, specific organizations can be contacted:

• The National Council on Problem Gambling provides assistance across the US. They can be reached by phone at 1-800-GAMBLER, texting at 800GAM, or live chat.

• Gamblers Anonymous hosts meetings nationwide where individuals can meet and share their experiences with problem gambling.

• Each state has specific organizations for localized support and resources to those struggling with gambling.

For further information, please explore our dedicated Responsible Gambling page.