Play Poker Online With Credit Card

If you’re looking to deposit with a US poker site using a credit or debit card, you can run into difficulties that have existed with the poker payment processor business since the 90’s. The process has been tightened up since the introduction of the 2006 UIGEA legislation, but UIGEA also made it hard or impossible for banks or credit card companies to knowingly accept gambling transactions. Let’s go through what sites have high acceptance rates and the legality of doing so.

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However, without going any further into the laws and court precedents regarding credit card deposits to US gambling sites, we should state:

It is still relatively simple and legal to deposit at poker (or other online gambling) sites when using a US credit card.”

It’s illegal only to partake in gambling if you are operating a site taking bets, or act as a payment processor for deposits and withdrawals. You’re just a player and, therefore, exempt from federal charges.

How to Deposit with Credit Cards at US Poker Sites

The most effective online poker sites accept credit card deposits – and one that has as many as 15 backup card processors – is www.Betonline.ag with IgnitionPoker.eu (previously known as Bovada) as an alternative. MasterCard and Visa can be used for online poker deposits at both these poker rooms (Amex is also accepted at BetOnline, but you must have at least $250 in your account and have deposited five times using a different method). Approval rates reach between 65% and 85% according to management. This approval rate applies primarily to secured credit cards such as prepaid cards, Visa, or MasterCard.

Unsecured cards are generally declined for reasons we’ll discuss below. It’s the bank’s decision to accept or decline whichever transaction they perceive as high risk, even if the transaction is perfectly legitimate. Alternately, you can transfer money using Western Union or MoneyGram.

Can You Issue a Chargeback if You Deposit and Lose Your Funds?

Prepaid credit cards have been popular in general online retails for years. Now, in 2021, real-money players are using the method for online poker banking. If you have a prepaid credit card, online poker. A free online version of 3 Card Poker with 6-card Bonus. Test out your 3 Card Poker strategy here. Practice for Vegas. Play Three Card Poker for Free. Paying for online poker with credit cards is just as easy, secure and simple as any online credit card purchase. Just head to your poker site's cashier page to enter your details. The form provided.

Chargeback is much less common than it used to be. Online gambling sites limit first time deposits, so if a deposit is successful the first time, sportsbooks will increase your deposit limit. Gambling sites are in competition with one another, but this doesn’t prevent them from regularly collaborating and sharing ‘black-booked’ customer names. This sharing is done in order to increase honesty. If you’ve been black-booked, you won’t be allowed to deposit via credit card and could be banned from the site.

Credit Cards at State-Owned Poker Sites?

Nevada, New Jersey, Delaware, and Pennsylvania all have legally-regulated and state-licensed online poker rooms. These operate at the intrastate and interstate levels, meaning play is only available inside the state via residents or tourists unless state compacts have been formed like NV, NJ, and DE have done. Those physically located in New Jersey, Nevada and Delaware can play against each other but they are still waiting for Pennsylvania to join the party. Legal battles between state and federal agencies will decide its long term legality.

Even with these states having legal poker sites, poker payment processors like MasterCard and Visa still decline deposits at times. Online poker market regulations are still new, so banks find it difficult to differentiate between state-licensed poker rooms and offshore operators. This causes many transactions to be declined. As banks come to terms with legal gaming, these problems should ease.

Once the legal markets become established, depositing via credit card will become fully functional.

Problems Credit Card Companies Face

In 1991, a Massachusetts man sued (and won) in order to avoid paying a $5,500 cash advance. He spent the money in a casino, but gambling debts were unenforceable where he lived and where the bank was located. That isn’t an isolated case. In 1998, a court ruled that a woman wasn’t responsible for paying $70,000 she racked up in online gambling debt. Her attorneys were successful in winning a counterclaim against MasterCard and Visa.

Court cases like those caused banks to refuse the use of unsecured cards at gambling sites. The situation has been different for secured cards, though. When secured credit is used, no “debt” is said to have been created. Banks can’t be hit by the same laws.

Everything changed in 2006, however. The UIGEA Act passed into law in 2006, making it illegal for banks and financial institutions to “knowingly” process transactions related to “illegal” gambling. (See our page on poker law for what’s considered “illegal”.) The penalties for violating this law are hefty, so banks and credit cards companies are much more diligent in policing against online gambling transactions.

The dangers to the consumer are low, however. Generally the bank will just decline to process a transaction related to online gambling and the consumer will have to use a different banking method. The vast majority of gambling transactions go through without a hitch.

It’s rare that a bank will close your account for depositing or withdrawing gambling winnings, but it does happen. 99% of online gamblers have no issues with their banks.

No Doesn’t Always Mean No

Play Poker Online With Credit Cards

Gambling transactions are a nightmare for credit card companies, so don’t be surprised if the bank blocks a transaction to an online gambling site. This is nothing new, but requires a phone call to allow the card to process the transaction. Banks face high penalties for not observing the regulations, so they’ll block any transaction they deem ‘high risk’.

Of course, when talking to your card company or bank, don’t mention that you want to use your card for an online gambling site. Just say you’re trying to make a purchase with an online vendor. The site may be able to help you by running your card with a different processor. Sites will use different processors at different times of the day, and may be able to run your card again with a different processor.

Unregulated, Offshore, and International Sites

It’s best to use a secured credit card – one that has been preloaded or one linked to a checking or savings account. If you only have an unsecured card, it’s likely you won’t be able to use it to deposit at your desired poker site but there are alternative payment methods.

Almost every US poker site offers at least one option that helps to indirectly fund the account using an unsecured credit card. Take the Rapid Transfer option, for instance. Players use cash, debit, or credit cards to fund their Rapid Transfer account. They then use it to move money into a gambling site that supports Rapid Transfer – Ignition Poker, for instance. It’s classed as a person-to-person money transfer service, so payments don’t appear as gambling transactions. It therefore exempts payments from gambling regulations.

Alternatives to Credit Card Deposits

So, what’s the best solution for depositing online besides credit cards? In our opinion, person-to-person money transfer services like MoneyGram or Western Union will be your best bets. Bitcoin and other cryptocurrencies are also on the rise as a method to deposit and withdraw funds. Other deposit options include wire transfers, paper checks, or cashier checks.

If you’re a casual gambler, a deposit or two using your credit card is unlikely to be an issue. For those looking to deposit online via credit card, we recommend Ignition Poker and BetOnline at this time.

Before you are able to play your favourite game of poker and hopefully win some money, you will first need to fund your online poker account. You will have several payment methods to choose from including wire transfers, e-wallets, and cryptocurrencies.

However, the easiest way to fund your online poker account is through plastic – a debit card, credit card, pre-paid card, or even a gift card. On this page, we will take an in-depth look at credit cards. It’s worth mentioning that everything we discuss below, regarding credit cards, can also be applied to debit cards, prepaid cards, and gift cards.

Credit cards are considered the easiest and best payment option for most online poker players. They are easily accessible, as anyone with a credit union or bank account will be able to obtain one, and every online poker room will accept them as a payment method.

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They also boast with high acceptance rates, even to players residing in the United States. At the end of the day, if you would like to play poker online and you own a credit card, you can make it your primary payment method unless you have a valid reason not to. You will soon notice that there are several reasons why players avoid using a credit card at online poker sites, but before we get into that, let’s first look at the various credit card options online poker rooms accept, and how you can make a deposit when using a credit card.

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Depositing with Credit Cards

Contents

• Advantages and Disadvantages of Using a Credit Card
• Frequently Asked Credit Card Questions

Using your credit card at any online poker site is not difficult at all. You will feel right at home if you’ve used your credit card for online shopping. The process at an online poker room is the same, however, before we take you through the process of depositing at an online poker room, let’s first provide the different credit card brands you can use. The most popular credit card brands that online poker sites will accept include:

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• Visa
• Discover
• American Express (Amex)
• Diners Club International

These brands aren’t limited to credit cards either. This will also cover prepaid cards, gift cards, and debit cards. Therefore, the types or brands you use will also expand, giving you, even more, options to fund your online poker account. It will ultimately depend on where you decide to play. Every online poker room will accept several types or brands of credit cards. The quickest way to find out which card brands they accept is to read our poker reviews.

How to Deposit with Your Credit Card

One thing that will remain the same, regardless of which online poker site you choose to play with, is how to make a deposit. The process is extremely simplistic, and all you’ll need in front of you is your credit card.

Once you registered with an online poker site, make your way to the banking section. You will then need to look for the credit card option to register your credit card to your online poker account. The registration process will require your 16-digit card number, displayed on the front of your credit card, and the expiry date that you will find below your card number.

Thereafter, you will be required to provide the CVV number that is located on the back of your credit card. The CVV number contains three digits. Once your credit card is registered, you can enter the amount you wish to deposit and simply select submit. Some online poker sites might also require the credit card brand, home address, as well as your first and last name as stipulated on the card. But that’s essentially all there is to it.

Limits and Fees

The amount of funds you’ll be able to deposit at once will vary from poker room to poker room. It will vary on a deposit to deposit basis, as well as on a monthly, weekly, and daily basis. The minimum deposit can range from as little as $5 and increase all the way up to $50, while the maximum you can deposit can range from a $100 all the way up to $2,000 at once, or over multiple credit card deposits. It will all depend on where you decide to play. For instance, Bet365 will have limits of $10/$3,000, while Bovada will have limits of $20/$1,000. As you can see, there is a significant difference in deposit limits when you compare the two poker rooms.

Credit card fees will also vary from poker room to poker room. In recent years, we noticed that most US-facing online poker rooms started charging debit and credit card fees on deposits, whereas international online poker rooms don’t charge any additional fees when a deposit is made with a credit card. The extra fees will also greatly depend on the credit card you will be using. We’ve noticed that Visa and Mastercard fees range between 3-8%, while Amex and Discover will have additional fees of over 12%. For instance, we reviewed Ignition Poker and the charges you’ll encounter when using a credit card. The additional fees are as follows:

• Visa: 5.9%
• Amex: 9.9%
• Mastercard: 7.9%

As you will notice, there is a slight difference in fees for each credit card brand. This is likely the fees that an online poker room is required to pay on their end, or it could be the difference in cost when a player decided to chargeback. Fees are an inconvenience to many online poker players. However, when you consider how fast your payments are processed, and how incredibly easy they are to use, the additional fees become less important. This is especially true for online players from the United States.

Advantages and Disadvantages of Using a Credit Card

There are several advantages, as well as disadvantages when deciding to use a credit card to deposit at any online poker room. We at Top10pokerwebsites, therefore, made a list of both advantages and disadvantages so you can see if using a credit card is the best option for you.

Advantages

1. In most cases, international online poker rooms won’t charge any additional fees.
2. Credit cards offer both low and high deposit limits. When compared to other payment methods, they offer more flexibility in terms of limits.
3. Most online players already have a debit or credit card. It’s also not very difficult to obtain a credit card. In addition, most online poker rooms accept credit cards from various brands.
4. Credit card deposits clear extremely fast. An online poker player can gamble within seconds after making a deposit.
5. All major credit card brands are accepted at most of the leading online poker rooms.
6. International online poker players can also use their credit cards for withdrawal purposes.
7. Transactions with a credit card are both safe and secure, including your personal and financial information. Online poker rooms utilise similar SSL encryption technology to ensure your credit card information, and personal information is safeguarded against third-party hackers.
8. Deposits through credit card take the least amount of effort when compared to other payment methods. You simply provide your details, enter your deposit amount, and you’re done within seconds.
9. Credit cards boast with an extremely high acceptance rate, even for players in the Unit3ed States.

Disadvantages

1. The average U.S player already has credit card debt of over $16,000. So, the use of a credit card can become an extremely dangerous cocktail when you decide to mix it with the addictive nature of online poker.
2. Most online poker players won’t be allowed to use their credit cards to initiate a withdrawal. This is especially true for players from the United States. Online poker players are required to make use of an alternative payment method such as check, wire transfers, or e-wallets. This is a major inconvenience if you don’t have an alternative payment method and need to go through the process of registering for one.
3. Most banks do not accept transactions to online gambling institutions. This will result in your deposit being declined which can be both frustrating and inconvenient.
4. Credit cards usually have a fee involved every time you want to deposit at an online poker room. The fees can vary from 3% up to 12%, depending on the credit card brand you decide to use.

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So, with all things considered, do you think that using a credit card is the right option for you? We are unable to answer this question for you. The only person that can do that is you. We believe the handful of disadvantages are more than balanced by the advantages of using a credit card. Although there are blocked payments and additional fees involved, they are quickly outweighed with high acceptance rates, fast processing times, and flexible limits.

Frequently Asked Credit Card Questions

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Online poker sites that accept credit cards are popular among players because many players will have some type of card. Most poker rooms will accept the major credit card providers and with top levels of security, credit card deposits are highly popular.

It takes just minutes for your credit card deposit to reflect in your online poker account and in most cases this is an instant transaction. However, there are sites that may take longer so take a look at the banking page to find out more information.

Yes, you are able to make a withdrawal with a credit card. You will follow the same steps as the deposit. A withdrawal does take longer and is often between 1 and 7 business days.

All transactions are protected with 128-bit SSL technology, which stops hackers accessing your information.

If your currency is not supported, the poker site will convert the funds to a currency they support. You will need to check the exchange rate that they use and if there are any fees attached.