Your player wins. The money is in their account within minutes.
For licensed casino and iGaming operators we arrange card acceptance with instant payout: your player cashes out on their Visa or Mastercard and has their winnings in their account within minutes, instead of the one to three days a bank transfer takes. Fast payout is one of the strongest reasons players stay. We arrange it, through licensed European partners.
Instant payout: your strongest tool for player retention
In online gambling, payout speed is one of the biggest drivers of player retention and satisfaction. The player wins, wants their money, and every day of waiting is a day of doubt. Instant payout reverses that: the feeling of winning and the money arriving happen together.
Slow. The player waits, doubts, and plays elsewhere.
The winnings land before the excitement fades.
Instant payout runs on Visa and Mastercard, and that is exactly the part we arrange without conditions. Cards work for this sector, for both deposits and payouts. That is the foundation everything rests on: no "maybe", no "on request", just working.
For you as an operator this is not a technical detail but a competitive edge. Players compare platforms on how fast they can reach their money. A payout that lands in minutes is a reason to stay with you rather than the competitor that makes them wait three days. It buys you loyalty.
And your player sees a recognisable description on their statement, without surprises.
What your players can use: honestly, in three tiers
Payment methods for gambling are not all in the same category. One is guaranteed, another depends on the provider, and a few are simply excluded for this sector. We say exactly what is what, because in this market a provider that does not overpromise is worth more than one that claims everything.
Cards
Visa and Mastercard, for deposits and instant payout. This is the hero of your payment page and the only thing we promise without any condition. Your player deposits with their card and cashes out on that same card, fast. This works, always, for licensed operators.
Local payment methods
Many players expect the payment method of their own country. These are available on request, and confirmed per application, because each provider decides at industry level whether it works with gambling. That is not reluctance on our side, it is how the market works, and we would rather say it honestly than promise something we cannot deliver. The methods we can request on your behalf include:
- iDEAL
- Bancontact
- Trustly
- Skrill
- Paysafecard
- Przelewy24
- BLIK
- EPS
- MB Way
- MultiBanco
- MyBank
- Paysera
- PayU
- SEPA Direct Debit
- Bancomat Pay
- Boleto
- Oxxo
- Payeasy
Which ones are feasible for your platform depends on your markets and your licence, and we calculate that clearly up front.
Not available for gambling
Some methods do not onboard gambling or gaming businesses under any condition. Alipay and WeChat Pay are among them. We name them explicitly, so you know where you stand and do not get a promise elsewhere that cannot hold.
Continuity and compliance: not dependent on one party
Speed is worth nothing if the payments fall over. So this market runs on two things we build in as standard: spreading across multiple acquirers, and a compliance foundation that holds.
Multiple licensed acquirers
The sector is scrutinised and acquirers can tighten their policy. So LunaPay works with multiple licensed European acquirers. For each operator we decide together whether a second one stands ready as a backup from the start, and if an acquirer stops serving your sector, we move you to another licensed partner. That way your deposits and payouts do not hang on one party.
Built on licensing and compliance
This market requires a licence, and licensed acquirers work only with demonstrably licensed operators. So expect a thorough check of your licence, your company structure and your processes during onboarding. That is not hassle but your foundation: precisely because it holds, the payment chains keep serving you. We work only with licensed and regulated operators.
The right category code
You get an MCC code that matches what you do. That code decides how the whole payment chain treats you, so it has to be right. We never present your business as something it is not; that always creates problems later. A correct code is the basis for payments that keep working.
Live insight and one fixed contact
In the LunaPay Insights dashboard you follow your transactions, deposits and payouts live. And you have one fixed contact who knows the sector, not a rotating call center.
Curious what instant payout means for your platform? Calculate your rate indication or request your personal proposal.
Which iGaming businesses this is for
Online casinos, sportsbooks and betting shops, poker and poker-room platforms, fantasy and esports, and gambling and betting in the broader sense. Working with sports betting? The same principles apply: a licensed operator, stable deposits, and payouts that reach your player within minutes.
Why iGaming is treated as high-risk
To banks and payment service providers, iGaming is filed under high-risk, and that has little to do with your business. It comes with the territory: high transaction volumes, a lot of international cards, an elevated risk of chargebacks and fraud, and an MCC classification (Merchant Category Code 7995 for gambling) that automatically drops you into the risk category. An MCC is the four-digit code Visa and Mastercard assign to your business; if it sits in a risk group, you are flagged regardless of your own numbers.
On top of that comes the licensing requirement: operators targeting the Dutch market need a permit from the Kansspelautoriteit (Ksa), the Dutch gambling authority, under the Remote Gambling Act (Koa), and licensed acquirers only work with operators that are demonstrably licensed. That is exactly why the continuity above is not a luxury: the same foundation that flags you as high-risk is the one that makes spreading across multiple acquirers, and a correct MCC code, necessary.
| One acquirer | Multi-acquiring with LunaPay | |
|---|---|---|
| Decline or outage | Deposits and payouts stall | A second acquirer as backup, if we choose one |
| Payout speed | Depends on the route, often slow | Instant payout to the account, within minutes |
| Acceptance rate | Depends on one party | Higher, spread across multiple acquirers |
| Risk on termination | Full outage | We move you to another licensed partner |
Your payments keep running.
Most providers rely on a single acquirer, the party that processes your card transactions. If that one goes down or refuses your sector, your payments stop. LunaPay works with multiple licensed European acquirers. For each sector we decide together whether a second acquirer stands ready as a backup from the start, and if an acquirer stops serving your sector, we move you to another licensed partner. That is what we call multi-acquiring. In iGaming, continuity translates straight into revenue and retention: a player who cannot deposit, or cannot cash out quickly, often does not come back, so routing across multiple acquirers is not a luxury here but a requirement.
Read how multi-acquiring worksWhere are you now?
Secure and compliant.
We work exclusively with regulated, licensed European acquiring partners. Your payments run over certified infrastructure, with PCI DSS for handling card data, 3-D Secure and SCA under PSD2 for strong customer authentication, and careful AML and KYC checks at onboarding. That keeps your acceptance not only stable, but demonstrably in order.
Read how we handle safety and continuityLive in three steps.
Call us or get a call back
In a short phone call we go through your situation, your volume and a start date. No strings, and no visit needed.
Send your documents
You get a clear checklist and an upload link. We think along and keep it simple.
Go live and get paid
After approval we set everything live. Ready to get paid.
Worry-free payments at a sharp rate.
Sharp, competitive rates on transparent IC++, with no surprises, and multiple licensed acquirers behind the scenes. What it means for your sector depends on your volume and your profile.
Online iGaming and gambling are not available worldwide. Regions under international sanctions, or excluded by default by the card networks and our acquiring partners, are ones we cannot serve. We discuss which regions apply to you in advance.
Frequently asked questions about casino and iGaming payments and instant payout
How fast does my player receive their payout?
With instant payout, the winnings are in the account behind your player's Visa or Mastercard within minutes, instead of the one to three working days a bank transfer takes. That does not just save time, it is one of the strongest reasons players stay with a platform.
Which payment provider accepts online casinos?
LunaPay provides payment solutions for casino and iGaming, with instant payout to the account and multiple licensed acquirers for continuity. We work with demonstrably licensed operators.
Which payment methods can I offer my players?
Cards are guaranteed, for both deposits and instant payout. Local payment methods are available on request and confirmed per application, because each provider decides at industry level. Alipay and WeChat Pay do not onboard gambling businesses.
Why do banks refuse gambling payments?
Usually because of the MCC classification and historically higher chargeback figures in the sector, not because of your business. We are built precisely for this sector.
Why do casinos use multiple acquirers?
Because one acquirer can tighten its policy for the sector, and different acquirers accept different transactions. With multiple licensed acquirers behind LunaPay we move you over if one stops, and for each operator we decide whether a second one stands ready as a backup from the start. That is the core of multi-acquiring.
What is the difference between deposits and payouts?
Deposits are players' funds coming in, payouts are the withdrawals. We set them up as separate flows, which keeps management and compliance clear.
How fast can I go live?
After a short call and once your documents are in, including your licence, we set it live as quickly as possible.
High-risk? No-problem.
Request your personal proposal and find out what we can arrange for casino and iGaming.