Canadian Online Casinos Accepting VISA, MasterCard, and More
As of 2024, credit cards still remain a popular choice for many players in the Great North. This guide shines light on the world of credit card casinos, focusing on Visa and Mastercard as the primary options.
Authored by Dana Nikolic and updated in July 2024, this piece first explores the compatibility of these credit cards with Canadian online casinos. It offers solutions for players whose banks or card issuers may restrict iGaming transactions. In closing, we present a range of alternative payment options to ensure players find at least one successful way to deposit.
- Canadian Friendly
- Instant eChecks
- No Maximum Deposit
- Live Dealer Option
- www.spincasino.com
- Yes
- Not Accepted
- Yes
- 2001
Top 3 Visa and Mastercard Casinos in Canada
- 🏆 SpinCasino.com [4.8/5]: 70% Visa compatible in ROC (with credit cards from BMO & CIBC). And 85%+ compatible with cards from BMO,CIBC,RBC, ScotiaBank and TD in the new Ontario legal space.* Read our Review
- 🥈 SpinGalaxy.com [4.7/5]: Spin Galaxy offers similar deposit options as Spin Casino (Visa, Mastercard in their credit, as well as prepaid and virtual lines, from BMO & CIBC for Canada wide) as well as alternatives such as Interac and eCheck. Read our Review
- 🥉 YukonGoldCasino.com [4.6/5]: offers Maestro, PaysafeCard, Visa, and Mastercard and eCheck with excellent acceptance rates across the board (80%+). Read our Review
* Please note that these percentages are estimations and may be subject to change. If available, we recommend checking the latest statistics or contacting the casino directly for the most accurate and up-to-date information on credit card compatibility.
A Note About Responsible Gambling
Disclaimer:
In this article, we use the term “credit card” in a generic sense to refer to various card-based payment methods. However, we strongly recommend not to gamble on a credit, and to prioritize responsible gambling practices by considering the following options:
- Debit Cards: Use your credit card network’s debit card option, which directly accesses funds from your bank account, helping to limit spending to available funds.
- Prepaid Cards: Opt for prepaid versions of credit cards, which allow you to load a specific amount and limit your gambling expenditure to that preset amount.
- Alternative Payment Methods (APMs): Consider using APMs that offer built-in spending limits or allow you to set your own deposit restrictions.
There have been, and rightly so, some moral concerns about credit cards still being allowed at Canadian casinos (both live and online). The UK has outright banned the practice. Australia is currently seeing strong support to do the same. If you feel that your gambling habits are becoming problematic, please seek help from professional organizations dedicated to addressing gambling addiction such as ConnexOntario or https://www.begambleaware.org/. Our website promotes EFT payments where funds will not go through in case of NSF (Non-Sufficient Funds).
Table of Contents
- The Recent Evolution of Fintech
- Visa Credit Cards
- MasterCard Credit Cards
- Best Credit Card Networks
- Choosing a Credit Card
- Alternative Payment Methods
- Conclusion
The Recent Evolution of Fintech in Canada
iGaming fintech in Canada has evolved significantly with the opening of the Ontario space in 2022. We’ve seen the introduction of new payment methods altogether such as FastPlay by Wyzia, SticPlay by Sticpay, and eCashout by Gigadat. Interac sub-brands have appeared with Loonio, Payper, and PayDirectNow. Many new e-wallets have been launched to serve Canadians, including MuchBetter, eZeeWallet, and MiFinity. Additionally, the popularity of crypto casinos has risen to the point where some brands now exclusively accept Bitcoin and altcoins. Yet it seems credit cards are “here to stay” as they say, be it in their debit/prepaid or vitual declinations. Just as eCheck deposits have stood the test of time in Canada.
[Update 2024] Dana Nikolic here. I’m updating this article on July 26, 2024 to make sure it’s up to date with current standards. I’ve been researching credit card casinos and credit card networks a lot this year. I’ve also been working on my new project “Credit Card Casinos Canada”, a website which specializes on exactly that. You’re welcome to visit my new project at CreditCardCasinos.ca.
Visa Credit Cards
Visa is the world’s most popular brand of credit card, for consumers and merchants alike. From North America to Europe, Asia to Australia, Visa is accepted by more than 61 million merchants across more than 200 countries and territories. As the old motto goes, it’s everywhere you want to be, including the online space.
Brief History of Visa Cards
Visa Inc. was founded in 1970, and currently hosts head offices in Foster City, California. They are one of the largest payment processing companies on the planet, supporting more than 3 billion customers worldwide. Over the last half a century, Visa’s coverage has spread across more than 200 countries and territories. Among them, over 61 million merchants, operator online and on land, accept the company’s eclectic variety of Visa-branded credit, debit and prepaid cards.
Due to overwhelming popularity as a payment method, Visa cards have long been a favorite recommendation from iGaming operators. They are easy to use, offer instant transactions, and as a result, are one of the leading funding methods for online casino players.
Card payment rejection has become all too common in the iGaming industry. However, it’s important to note that Visa does not set the standard for accepting or rejecting online gambling payments. Such policies are enforced by the bank or financial institution that issues the card.
How to Deposit with a Visa Credit Card
To get started, you’ll need an account with an online casino that accepts Visa credit card deposits. Follow the directions to register an account, supplying a user name, password, email address, and whatever personal details are required; (name, address, date of birth, etc.) Note that this information must match the information on your credit card, or you won’t be able to use it.
Once logged into your casino account, head over to the banking section. Choose to make a deposit, then select Visa Credit from the list of available payment methods. Next, enter your card details, including the 16-digt card number, expiration date, and 3-digit CVV security code (found on the back). Double check that all the info is correct. Finally, enter the amount of money you wish to deposit and submit the payment.
Within a matter of seconds, you should receive a notice stating whether your transaction was successful or not. Upon approval, your funds are immediately available for play in the casino. If the payment is not approved, you should be given some indication as to why the payment was rejected.
What to do if your Visa Credit Payment is Rejected
Common rejection issues include typos during input, insufficient credit balance, or an issuing bank’s refusal to transfer money for gambling purposes. If it’s a typographical error, fix it and try again. If you’ve reached your credit limit, try making a smaller deposit. Rejection by the card issuer means you’ll need to choose an alternative payment method.
Here in Canada, depositing with international online casinos can be problematic. Online gambling is not illegal, but to avoid issues for branch offices in other countries where it may be illegal, banks may enforce a blanket-ban against all transfers flagged for “gambling purposes”.
Advantages of Depositing with Visa
There are several advantages to using a credit card to deposit into a casino account, and at least one advantage that’s specific to the Visa brand. Perhaps the most attractive reason for iGamers is that you don’t have to divulge any information about your bank account (as opposed to issuing an electronic check). All the site sees is your credit card number.
Speed is another major benefit. Credit card deposits are instantaneous. The moment you submit a deposit, the money will appear in your casino account. Additionally, they offer users a ‘buy now, pay later’ option, similar to the recent introduction of phone billing. Not that we recommend betting on credit, but if you pay off the card in a timely manner, your deposits will be free of charge, too.
Visa cards have another advantage over other credit cards. They generally have the highest acceptance rates of any credit card brand. This is especially true when it comes to making deposits at online casinos. While individual banks may choose which transactions to allow or block, by and large, Visa cards issued by Canadian banks tend to be accepted at more online casinos.
Online Casinos Accepting Visa Credit Card Deposits
Almost all online casinos accept Visa cards. As a result, they are a great way to fund your account. Here’s a quick rundown of the brands listed on eCheckCasinos.ca that accept Visa deposits. Each one has been trial tested by our editors and proven safe, secure, reputably regulated, and socially responsible: (click for brand reviews).
- Spin Casino
- Spin Galaxy
- Yukon Gold
- Luxury Casino
- Grand Mondial
- Royal Vegas Casino
- Jackpot City
- Ruby Fortune
- Lucky Nugget
- Gaming Club
- Betway Canada
- River Belle
MasterCard Credit Cards
Brief History of MasterCard
MasterCard Worldwide was first founded in 1966 by a compendium of banks in California. Its purpose was to compete against another credit card issued by Bank of America (which eventually became the Visa card). Today, more than 25,000 banks offer MasterCard-brand cards to their customers. It’s an especially popular brand in Europe, where its brand’s include MasterCard, Maestro, Mondex and Cirrus.
Like Visa, MasterCard Worldwide doesn’t directly set most of the policies for their cards. Instead, individual issuing banks can alter things like interest rates and usage policies. Thus, customers of different banks may be subject to different terms and conditions of use.
How to Deposit with a MasterCard Credit Card
The process is the same as depositing with any other card. First, you’ll need an account with an online casino that accepts MasterCard credit card deposits. Once you register an account, log in and head to the banking section. There, you’ll choose to make a deposit, then select MasterCard Credit as your method.
Follow the instructions to enter the card’s details; 16-digit card number, expiration date, and 3-digit CVV security code (found on the back). You’ll need to provide the name on the card and the address and/or postal code associated with the card. This info must match the information you provided the online casino when signing up, or the deposit will not go through.
Once you submit the payment, you should get an instant response. If the deposit is successful, the funds will be available instantly for wagering. If you receive a rejection notice, it should come with a reason as to why the payment didn’t go through.
What to do if your MasterCard Payment is Rejected
Most rejections are simply a matter of typographical error. If that’s the case, fix the error and submit the payment again. It could also be that you’ve exceeded your credit limit, in which case you can try making a smaller deposit. However, should your bank decline the payment due to it being “for gambling purposes”, you’ll have to choose an alternative payment method.
Benefits of Depositing with MasterCard
MasterCard has its advantages. It’s a widely accepted payment method, and one that a lot of Canadians carry around in their wallets already. It’s extremely easy to use and, if you pay the balance on time, won’t cost any extra fees to deposit with. Fast, easy, free – what’s not to love?
The disadvantage to MasterCard credit card deposits is that they have a below average acceptance rate. While Visa card deposits make it through to international gambling sites at least 50-60% of the time, MasterCard payments succeed in only about 40-50% of cases. As stated previously, online gambling is perfectly legal in Canada, both at domestic and international websites. It’s the banks that issue these cards that may or may not reject a payment flagged for “gambling purposes”.
Casino Sites Accepting MasterCard Credit Deposits
Credit card deposits are so popular that the vast majority of online casinos list MasterCard on their payment menu. However, payment success rates can be more hit or miss, as discussed previously. Below, we have provided a short list of some of our favorite tried-and-true Canada-facing gambling sites that accept MasterCard.
- Casumo (best for Mastercard)
- 888 Casino
- Play Ojo
- Betinia
- BluffBet
- GrandMondial
- Luxury Casino
Top 3 Credit Card Networks for iGaming in Canada
In this section we study the different payment networks available to Canadian players. Each person has different needs. Depending on what you’re looking for (speed/acceptance or rewards), you might want to choose cards from one network or another. Here’s a quick breakdown:
1. Choosing Visa as your iGaming Payment Gateway
Visa offers extensive acceptance and strong security features, such as Visa 3D Secure. It is essentially the obvious choice for online casinos. The VISA logo is on almost every operator’s site. While it provides broad usability, it often has less competitive rewards compared to premium cards like Amex. For these reasons—wide acceptance and ease of use—Visa is our eCheckCasinos.ca pick for the best Canadian Credit Card Payment Network.
2. Choosing Mastercard
MasterCard is also widely accepted in the iGaming industry; however, the success rate can be more inconsistent. It offers versatile card options and generous rewards, though it is not as exclusive as Amex. As a result, we ranked them number 2 as a credit card modality.
3. Choosing American Express for High Rollers
Amex is ideal if you’re a high-end user who’s looking for exclusive benefits but also solid security. It offers high rewards but has more limited acceptance and somewhat higher transaction fees. The yearly fee is also a bit higher with Amex. As such it is considered a niche deposit options for high-rollers, and ranked as #3 in our list. Amex would work well combined to a loyalty program like VIP Preferred.
For most players, Visa and Mastercard are versatile and broadly accepted, while American Express is best if you prioritize premium rewards and exclusive benefits.
Here’s a table comparing all three networks in-depth:
Comparing Visa/MasterCard & Amex As an iGaming Payment Modality
Feature | Visa | Mastercard | American Express |
---|---|---|---|
Acceptance | Widely accepted at online casinos | Broadly accepted, slightly less than Visa | Limited acceptance |
Security Features | Visa Secure, strong anti-fraud measures | SecureCode, robust fraud protection | SafeKey, you get a code to your phone or email depending on your setup |
Rewards | Varies; high-end cards offer better rewards | Great rewards, especially on premium cards | High reward points, excellent loyalty program |
Transaction Fees | Moderate fees (1.5%-2.5%) | Similar to Visa, varies by card type (1.5%-2.5%) | Slightly higher fees (2.5%-3.5%) |
Customer Service | Handled by issuers | Handled by issuers | Direct customer service, highly rated |
Card Types | Classic, Gold, Platinum, Signature, Infinite | Standard, Platinum, World, World Elite | Green, Gold, Platinum, and specialized variants |
Buyer Protection | Available on high-end cards | Available, zero liability for fraud | Strong protection, especially on high-value purchases |
Who is it for? | Ideal if you’re looking for broad acceptance and basic rewards | Suitable if you’re after a balance of acceptance and rewards | Best if you’re valuing exclusive perks and premium rewards |
A Note about The Discover® Global Network in Canada
We didn’t have a number 4 position for our top list of credit card networks in Canada, but if we did, Discover would be our pick. Here’s why:
1) The Availability of Discover is on the Rise in Canada
The Discover Global Network has been actively increasing its presence in Canada:
- In 2017, Discover Global Network signed a deal with Desjardins Group to expand merchant credit card acceptance in Canada.
- The majority of merchants in Canada now accept Discover cards.
- From 2015 to 2016, transactions on the Discover Global Network increased by more than 20 percent in Canada.
2) Discover Card Brands Can be Used for Canadian iGaming
New Canadian brands like Smokace now list Discover on their footer as one of their accepted payment modalities. That’s a big deal, especially for Canadian players who’ve been seeing Discover pop up more and more.
SmokAce Casino, launched in 2022, is a relatively new player in the online gambling scene that has quickly made a name for itself. Licensed by Curacao and operated by Altacore N.V., this digital casino boasts an impressive array of over 7,500 games from various software providers, catering to diverse gaming preferences.
3) Three Cards to Choose From That Work in Canada
Discover Card
- Discover cards are accepted at many Canadian merchants, making it easier for U.S. cardholders to use their cards when traveling to Canada.
Diners Club International
PULSE
- PULSE, Discover’s debit and ATM network, is part of the Discover Global Network.
- While PULSE is in essence a U.S.-based network, its inclusion in the Discover Global Network means that some Canadian ATMs and merchants now accept PULSE-branded cards.
In summary, the usage of Diners Club, Discover Card, and PULSE by Canadians themselves is limited compared to other major credit card brands. The network’s presence in Canada primarily benefits U.S. cardholders traveling to Canada and helps Canadian merchants attract international customers. However, the network is able to facilitate deposits for Canadian iGamers as we’ve seen with new brands like Smokace offering the option.
Of note that Discover is now treating gambling transactions as cash advances (as of 6 months prior to this writing).
Selecting a Credit Card Brand for Online Gambling in Canada
When it comes to choosing the best credit cards for Canadian iGaming, several options stand out. The BMO eclipse Visa Infinite Card is highly regarded, with an annual fee of $120 and offering up to 60,000 bonus points. It is recognized as the best BMO card on CreditCardGenius.ca . For iGaming it is a cut above the rest due to its wide acceptance (being issued by BMO), and it far surpasses MasterCard in this regard.
BMO eclipse Visa Infinite Card provides rewards on everyday spending, including online gambling. These rewards can be redeemed for travel, merchandise, and gift cards. Additionally, the card offers a $50 annual lifestyle credit and comprehensive insurance benefits for mobile devices, purchase extended warranty, and travel.
Another strong contender you might want to consider is the BMO World Elite Mastercard, which comes in various versions such as Cashback and AirMiles. This card earns BMO Rewards points that can be redeemed for travel, merchandise, and gift cards, while also providing travel insurance coverage and access to airport lounges.
Lastly, the CIBC Aventura® Visa Infinite Card offers a first-year annual fee waiver and up to 45,000 bonus points. Similarly, the CIBC Aventura® Gold Visa* Card has a low-income requirement and offers up to 45,000 bonus points.
*As of June 2022, CIBC has confirmed that online gaming is accepted for cash-like transactions. The specific credit card terms can be found here.
While these cards are ideal for global iGaming, it’s essential to note that the list is not exhaustive. Always carefully review the terms and conditions of each credit card before applying.
Alternative Payment Methods (APMs)
Alternative payment methods, or APMs for short, make up the majority of todays iGaming deposit options. They come in a variety of classifications; direct banking, prepaid, eWallets and more. Within each class is an array of types. Below is a detailed list of many of the common options available to Canada’s iGaming community. If you aren’t able to use a Visa or MasterCard credit card, or want to try something different, these are the most popular choices.
Direct Banking Payments
The direct banking category generally refers to any form of payment in which the funds are debited directly from the users bank account. They include everything from debit cards and Interac deposits, to eChecks and bank wire transfers. Because they are direct debits, you never have to worry about credit card bills or account overdrafts. You can only spend what you already have available in the bank.
Thanks to the power of EFT protocol, the majority of these payments are nearly instant; credited to your casino account within a minute or two, at most.
An electronic funds transfer (EFT) is one in which the two financial institutions correspond to confirm the payment in advance. The receiving bank asks for the funds. The sending bank responds whether the funds are available. If so, a second message confirms initialization of the payment. Thus, the casino credits the user with that money, even though it will take a few days to arrive. This the payment gateway that Canadians use when playing at eCheck casinos.
Debit Card Deposits
Aside from a few specialty websites, pretty much every online casino in existence welcomes debit card deposits. They work the same way as credit cards, except that you are not borrowing money that you’ll have to pay back later. Debit card deposits take funds directly form your bank account. Anyone with a bank account already has, or can freely request, a debit card.
To make a casino deposit, simply enter the 16-digit card number, expiration date and CVV security code on the back. If done correctly, and funds are sufficient, you’ll be able to bet with that cash in under a minute.
Casinos that accept debit card deposits (Visa and MasterCard) include:
- Spin Casino
- Jackpot City
- PlayOjo
- Ruby Fortune
eCheque / eCheck / Instant Check
An eCheck (aka eCheque, or Instant Check), is like a paper check, minus the paper. As the name implies, it is an electronic form of a cheque. It debits money directly from your bank account in the same way, too. Being electronic, however, eChecks utilize the same Eft protocol as debit cards; hence the common nickname, “Instant Check“.
Writing an eCheck requires you to provide the same information found on a paper cheque. this will include your bank account number, the bank’s routing number (ABA), and in some cases, an actual cheque number. If a cheque number is required, you’ll need to take the number form a real paper, then void that cheque so that you don’t accidentally use it twice.
Casinos that accept eCheck deposits in 2024 include:
- Spin Casino
- Jackpot City
- Ruby Fortune
- Lucky Nugget
- Gaming Club
- River Belle
- Grand Mondial
- Yukon Gold
- Luxury Casino
- Villento
- Spin Galaxy
- Quatro Casino
- Captain Cooks
- Betway
Interac eTransfer / Online
Interac is Canada’s long-trusted debit system. It was established in 1984 by the nation’s Big Five Banks. Back then, they were looking for a quick and easy way to send funds across their banking network. Today, the Interac system handles billions of dollars in transactions for millions of Canadian consumers.
Interac casino deposits come in two forms – Interac eTransfer and Interac Online. An Interac eTransfer uses two-step authentication, including a special security Q&A sent via mobile. Interac Online uses your existing online banking account to initialize and confirm the payment.
Canadian casinos that accept Interac deposits include:
- Jackpot City
- Spin Casino
- Luxury Casino
- Play Ojo
- 888 Casino
- Casumo
- Ruby Fortune
- Betinia
- Bluffbet
- Yukon Gold
- Grand Mondial
- Yoyo Casino
Casinos that accept Loonio (a new, Interac-Branded payment gateway):
- Betway
- Winmaker Casino
Casinos that accept Payper (an Interac-Branded payment gateway):
- Jackpot City
iDebit for Online Casinos
iDebit is an online banking system that facilitates transactions between banks that support the network. It’s fast, secure, free to use, and most of Canada’s largest banks offer it. Likewise, a majority of trusted online casinos that accept Canadian players accept it.
When you choose to deposit with iDebit, you’ll enter the amount and choose your bank from a list. If your bank isn’t on the list, you can’t use it. If it is, you’ll be redirected to your bank’s website to log in with your usual online banking credentials. From there, you can confirm the payment, which will instantly appear in your casino account.
Casinos that accept iDebit deposits include:
- Spin Casino
- Ruby Fortune
- Casino Days
New Casinos offering iDebit in Canada:
- Lukki
- JustCasino
- WinMaker
- LuckyOnes
- CasinoRex
- CasinoNic
InstaDebit
Contrary to popular belief, iDebit and InstaDebit are not the same thing. Very similar, indeed, but they are two separate payment options. Where iDebit freely facilitates payments between two banks, InstaDebit is more like an eWallet, of sorts. You need to register an account to use it, and link your bank account to it, but you can’t upload funds directly. Instead, you send funds through it, straight from your bank to a merchant. You can also withdrawal money to it, then spend that money online or send that money back to your bank.
InstaDebit casino deposits are easy enough, and the cost is low. To make a deposit, choose InstaDebit from the banking page, enter the amount, then log into your InstaDebit account to complete the payment. Once you’ve successfully made an InstaDebit purchase, you can select this method for withdrawal. Simply enter the amount and confirm the email address on the account.
Casinos that accept InstaDebit deposits include:
- Spin Casino
- Jackpot City
- Ruby Fortune
New casinos that accept InstaDebit in Canada:
- WinMaker
- CasinoRex
- CasinoNic
Online Banking
This is exactly what it sounds like. Online banking allows users to deposit directly through their online banking account. Instead of utilizing financial networks, like Interac, iDebit or InstaDebit, you’re paying directly through your bank’s online service. If you’re familiar with the procedure for things like bill payments, you’ll have no problem initializing a casino payment in this way.
To make a deposit, you’ll simply choose this method from the casino’s deposit menu. Enter the amount you wish to deposit, then choose your bank name from the list. Following a quick redirect, you’ll be able to log right into your online banking account to confirm the payment.
Casinos that accept Online Banking via Citadel deposits include:
- Grand Mondial
- Luxury Casino
- Yukon Gold
Bank Wire Transfers
I moved this to the bottom of the direct banking list for a reason. Bank wire transfers are not fast, nor are they cheap. Banks tend to tack large fees onto these, so they’re only handy when moving a large sum of money. The only real plus here is that anyone, from anywhere, with any type of bank account, can use them. So, if you have no other options left, a bank transfer will get the job done.
For Deposit: Due to the high fees associated with international wire transfers, most casinos do not advertise them as a deposit method. If you plan to make a large deposit, however, you can contact customer support and ask about initiating a bank wire. They’ll tell you if it’s possible, and if so, how to do it. Expect there to be a relatively high minimum; probably $200 or more. Your bank may also require a quick security check through email or SMS before processing the payment.
For Withdrawals: Bank wire transfers are more commonly used for withdrawals, and most casinos support them. To request a bank wire withdrawal, choose this method form the cashout section. Enter the amount to cash out and your banking details, as instructed. It could take anywhere from 2-10 business days for the money to arrive.
Casinos that accept Wire Transfers include:
- Royal Vegas (for withdrawal only)
- Spin Casino (for withdrawal only)
- Ruby Fortune (for withdrawal only)
- Lukki (for deposits and withdrawal)
- Winmaker (for deposits and withdrawal)
- Lucky Ones (for deposits and withdrawal)
Prepaid Cards & Virtual Vouchers
Physical prepaid cards and virtual vouchers are a great option when you want to pay with cash, and/or keep your banking details private. The biggest difference between them is that physical cards can be used to make purchase in person and over the internet, whereas a virtual voucher can only be used online.
You can purchase a gift card or print-out voucher at most retail outlets; (department stores, grocery stores, convenience marts, gas stations, etc.) Alternatively, virtual gift cards and vouchers can only be used to make purchases online. Either one is an acceptable form of payment at online casinos.
Casinos that accept Virtual Visa include:- 888 Casino
- Party Casino
- Spin Casino
- Casumo Casino
Vanilla Gift Cards
Both Visa and MasterCard sell the Vanilla brand of gift cards. You can buy them in stores, or online as a prepaid Vanilla Virtual. They are not reloadable. There’s a one-time fee, paid at the time of purchase. the one thing you need to watch for before buying a Vanilla gift card is domestic/international usage. If you plan on depositing with an offshore casino website, the card must be eligible for international purchases.
To deposit with Vanilla Visa or Vanilla MasterCard, you’ll follow the same procedures as a debit card, minus the personal info. From the casino’s banking page, choose Prepaid Card, or Gift Card. If you do not either on the list, simply choose the Visa or MasterCard Debit (whichever the Vanilla card/voucher bears the logo of). Then provide the 16-digit card/voucher number, expiration date and security code. Follow any other instructions, then submit the payment. your account will receive credit instantly.
Casinos that accept Vanilla prepaid deposits (directly, or as Visa/MasterCard Debit) include:
- Royal Vegas Casino
- Spin Casino
- 888 Casino
Neosurf Prepaid
Neosurf is one of the oldest gift cards developed specifically for online payments. Canadians have been using Neosurf prepaid cards and vouchers for more than 15 years. They’re inexpensive, reloadable, and readily available at thousands of retail outlets across the country. Or you can buy them directly online from the official website, neosurf.com. If you open an online Neosurf account, you can combine your retail and online vouchers in one place, and keep track of all your purchases.
Making a casino deposit with Neosurf is very easy. Choose Neosurf as your payment method, then enter the amount to deposit, along with the 10-digit numerical code from the card or voucher. Press submit, and you’re all set.
Casinos that accept Neosurf deposits include:
- Lucky Nugget
- Gaming Club
- Spin Galaxy
Paysafecard
Another popular prepaid card/voucher in Canada is Paysafecard. The company has been around since 2000, offering physical prepaid cards across countless retail stores. the main benefits include security, worldwide acceptance, risk-free payments, and the risk-free option to buy with cash. Users can download the Paysafecard app to streamline their cards, vouchers and purchase history.
Making Paysafecard deposits requires nothing more than the 16-digit code found on the card or voucher. Choose Paysafecard as your payment method, enter this code and the amount to deposit, and your payment will appear in your casino account within seconds.
Casinos that accept Paysafecard deposits include:
- PlayOjo
- Casumo
- 888 Casino
Web Wallets / eWallets
Web wallets, or eWallets for short, have been around since the turn of the millennium. It all started with Paypal. When the online gambling industry took off, Neteller and Moneybookers (now Skrill) jumped into the fray. Despite immense popularity, not every casino supports these brand names for online gambling payments. Thankfully, there are other web wallets available that will. They are just as secure and trustworthy, if not as well known.
ecoPayz (now Payz)
Starting out as the prepaid ecoCard model in 2000, this company evolved over time into the online-only eWallet brand we know today as Payz. Users can open a free account, link it to a bank account or debit card, then use the wallet to fund their online casino accounts. It’s also a handy withdrawal option, allowing using to move casino winnings to the eWallet, then back to their bank.
To make an ecoPayz casino deposit, you’ll need to choose this option form the casino’s banking page. Input the amount you wish to deposit, then enter your ecoPayz username/email. From there, you’ll be redirected to the ecoPayz website to log in and confirm the purchase.
ecoPayz withdrawals work similarly. Choose ecoPayz from the casino’s list of withdrawal methods. This option will only be available if you’ve made at least one successful deposit with your ecoPayz account. Enter the amount to withdrawal, then confirm the username/email on the account.
Casinos that accept ecoPayz deposits and withdrawals include:
- Royal Vegas Casino
- Spin Casino
Jeton Wallet
Jeton is a relatively new web wallet that’s slowly working its way into the hearts of Canadian online casinos. When I say slowly, I mean it. We only recommend a few reputable casinos that accept Jeton at this time, but due to its convenience and versatility, we expect that to change in the near future.
Should your favorite casino accept Jeton Wallet, you’ll find the deposit process to be painless. Choose Jeton from the payment list, enter the amount to deposit, then input your Jeton Wallet ID (username or email). when redirected to the Jeton website, login and confirm the payment.
Casinos that accept Jeton deposits include:
- PlayOjo
- BluffBet
- Betinia
MiFinity
Another web wallet that’s growing in popularity among Canadian iGamers is MiFinity. It works like an online bank account, and even features its own IBAN number. The company dove headlong into internet gaming payments in 2021, when MiFinity teamed up with Interac. Since then, anyone with an Interac-compatible bank account is able to use MiFinity for online gambling deposits.
Depositing with MiFinity is incredibly quick and easy. Once you choose this method, you’ll enter the amount you wish to purchase, then press the submit button. this opens a new window to login to your Mifinity account and confirm the payment. From there, the funds should appear instantly in your casino account.
Casinos that accept MiFinity deposits include:
- BluffBet
- Betinia
- Yoyo Casino
MuchBetter
The concept behind MuchBetter is that its eWallet features are ‘much better’ than the old-school web wallets that came before it. Is that true? In some countries, maybe, but not here in Canada. Software, security and fees are similar, but MuchBetter typically utilizes ACH over EFT, which slows down the process.
MuchBetter casino deposits are initialized like any other web wallet payment. Choose MuchBetter from the list of available APMs, enter the amount to be deposited, and submit the payment. Then log in to your MuchBetter account to confirm the purchase.
Casinos that accept MuchBetter deposits include:
- Grand Mondial
- Betinia
- BluffBet
- Yukon Gold
Sticpay
For all intents and purposes, Sticpay is a mirror image of Paypal , except that Canadians are actually able to make casino deposits with it. The only negative is that very few Canadian-facing online casinos accept it. We will definitely keep an eye out for changes on that horizon, especially with the recent SticPlay cashback service launch.
Depositing with Sticpay is a painless process. Choose this method, enter your purchase amount, and press submit. Log into your Sticpay account to confirm the payment. The funds should appear right away in your casino account. Once you make a Sticpay deposit, you should be bale to withdrawal with Sticpay as well.
Casinos that accept Sticpay deposits include:
- Betssen
- 22Bet
- Melbet
Other APMs
Sometimes, there are worthy payment options that just don’t fit into any of the usual categories. We’ve come across two such APMs. The first one is Pay by Mobile. The second is cryptocurrency. You can learn more about these below.
Pay by Mobile Phone Bill
Pay by Mobile is a unique deposit option that involves billing your mobile carrier. There are several brand names that provide the service. The only one we know of that process payments for Canadians is Boku. When you deposit with Boku Pay by Mobile, the purchase is simply tacked onto your mobile phone bill. Some call it “play now, pay later” (much like a credit card).
This service works with both pay as you go and monthly subscription phone plans. For pay as you go services, you’ll need to have enough funds already in your prepaid account to cover the purchase. For monthly phone plan subscribers, you’ll see the charge on your next phone bill. Note that some monthly plan carriers require auto-pay to access Pay by Mobile Phone Bill services. There is one downside – the maximum deposit is usually very low, limiting you to about $30 to $50.
To make a casino payment, choose the corresponding logo (Boku, Mobile Billing, Pay by Mobile) from the casino’s banking page. Enter the amount of the deposit. Follow the instructions to input your mobile phone number, carrier, and any other pertinent information.
Casinos that accept Pay by Mobile deposits include:
- CasiGo
- 22Bet
Cryptocurrency Casinos & Deposits
The world of crypto gambling is vast these days. There are two major types of crypto casinos. The first are a traditional online casino that accepts both fiat and crypto payments. The second are crypto-only casinos. This second group can be quite different, as they tend to offer a selection of games that are built on blockchain technology; the same blockchain technology that powers cryptocurrency transactions. What makes these casinos unique is that their games are provably fair; again, just like the transactions their blockchains facilitate.
Years ago, people chose to gamble with crypto because it was anonymous. Today, privacy isn’t so easy to come by. Unless you’re depositing and betting in genuine privacy tokens (Monero, Verge, Zcash, etc.), your transactions are only pseudoanonymous. If anyone with the right technology and know-how (such as a government tax agency) wants to trace a transaction back to its sender/receiver, they can. Point being, don’t expect Bitcoin wagers to be anonymous.
Crypto casino deposits are a bit more involved than traditional payments, at least at first. You need a crypto wallet to store your coins in. Once you have it, you need to buy and/or transfer crypto into the wallet. Then, you can use the Wallet ID to deposit crypto into your casino account. Note that each casino has a different list of acceptable cryptocurrency, so be sure to check what’s supported before you get started.
Casinos that accept Cryptocurrency deposits include:
- Jackpot City
- Bitcoin [BTC], Ethereum [ETH], Litecoin [LTC], Tether [USDT]
Conclusion
Canadian players have a wide array of payment options for online gambling in 2024. While credit cards like Visa and Mastercard remain popular choices, alternative payment methods (APMs) offer additional flexibility and security. From e-wallets and prepaid cards to cryptocurrencies and mobile payments, there’s a solution for every preference.Frequently Asked Questions
What types of credit cards do online casinos in Canada support?
Online casinos in Canada typically accept major credit cards like Visa, Mastercard, Maestro and sometimes American Express. However, acceptance may vary depending on the specific casino's policies as well as regulation at the provincial level. Although not as widely accepted as Visa or Mastercard, Discover is still a solid choice due to its strong fraud protection measures and cash back rewards. And Diners Club, one of the oldest brands in the financial space may still be accepted. That is, even if the Diners logo is not present on the iGaming site's banking page, although we can offer no guarantee. Try it and see if it works (and let us know below). Other possible options include JCB and UnionPay which are widely accepted in Asia but not very common in Canada.
Is there any difference between using credit and debit cards in an iGaming site ?
Yes, there can be differences. Credit card transactions essentially involve borrowing money from the card issuer, while debit card transactions use funds directly from your bank account. Credit card transactions may also be subject to interest rates and credit limits. Debit Cards also include their prepaid modalities that add an extra layer of anonymity, such as gift cards like Vanilla. Lastly some regulated markets prevent the use of credit cards for gaming, for example in the UK iGaming Space. So check your regulation first, then your casino's policy and finally your bank's T&Cs fine print, in this order.
How long does it take to receive your winnings at credit card casinos?
Generally, withdrawals to credit cards may take a few business days to process, depending on the casino's processing times and your card issuer's policies. The brands listed on this page take from 1 to 4-5 days on average. Spin Casino states on their website that withdrawals to Visa take 1 to 3 days. If this timeframe is too long for you, we suggest using an instant e-wallet such as PayPal, Skrill, or Neteller. Why ? Simply because ewallets always offer the speediest withdrawal times and most casinos process these cashouts within 24 hours or less.
Does it matter if I use a gold or platinum card in an internet casino?
Generally, it doesn't matter which credit card tier you use in an online casino as long as it's accepted. Gold or platinum cards may offer additional benefits or rewards, but their acceptance in online casinos depends on the casino's policies. Look at your brand of card first, and the tier only comes in second.
Can I use my Visa or Mastercard at Ontario Online Casinos ?
Yes, Visa and Mastercard are commonly accepted at online casinos in Ontario, Canada. In 2024, the province maintains a fully regulated online gambling environment. These major credit cards are widely accepted payment methods across multiple brands licensed by the iGo.
What are the credit card terms and conditions at Canadian casinos ?
Credit card terms and conditions at Canadian online casinos typically include details about deposit limits, withdrawal procedures, transaction fees (if any), and security measures. It's essential to review these terms (visible from the banking page and the player's cashier section). Review these thoroughly before using your credit card for transactions. The banks issue their own T&Cs typically in PDF, and downloadable via their respective websites. FYI these differ between credit and debit cards. Here is the BMO general agreement as well as the relevant CIBC credit agreement following the June 2022 amendment applying to iGaming cash-like transactions.
Are there any fees associated with using credit cards for transactions at online casinos in Canada?
Yes, please be aware that fees can be levied when using credit cards for transactions in Canada. These fees may include cash advance fees (from the bank), transaction fees (from the casino), or currency conversion charges. Typically the fee is more weighted towards the bank than the casinos however.
In certain credit card agreements, gambling is mentioned as being a cash-like equivalent, and this has unfavorable implications in terms of fees (refer to the BMO and CIBC agreements). The reason for this lies in the existence of a cash advance fee— usually ranging between 3% and 5% of the advanced amount.