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Guides in this section
PayPalWhere licensed casinos take PayPal, how long withdrawals take and what to check.Apple PayHow Apple Pay works at licensed casinos, its limits and how you get your money back.VisaWhy Visa deposits get declined, how slow withdrawals can be and the credit card question.MastercardWhat to expect from Mastercard at licensed casinos, including security checks and declines.Play+What the Play+ prepaid account is, how it works at casinos and what to check first.Fast payoutsWhat decides how fast a casino pays, with the times casinos state by method.What deposit methods are allowed?
New Jersey's rule is the one we have read in full, and it is a useful guide. Each casino chooses which allowed methods it offers, and other states have their own rules.
| Method | New Jersey rule |
|---|---|
| Credit or debit card | Allowed |
| ACH bank transfer | Allowed |
| Reloadable prepaid card | Allowed if verified as issued to the patron and not transferable |
| Gift card | Allowed with conditions, up to $500 per gaming day |
| Cash at an approved cashier | Allowed at a location the Division approves |
| Other methods | Allowed if the Division approves them |
How do online casino withdrawals work?
In New Jersey, money can go back through a verified bank transfer, a verified prepaid card or cash at an approved cashier. Before any withdrawal, your balance goes back to the funding card up to the amount deposited, where the card issuer allows it. Patron-to-patron transfers are not allowed. For timing, see whether online casinos pay real money.
Why are online casino card payments sometimes declined?
Your bank may decline it even at a licensed site. Under the federal Regulation GG, banks, credit unions and payment processors in designated payment systems must have policies to identify and block unlawful internet gambling payments, according to the law firm Nelson Mullins. Card systems and ACH are among those systems. Bank policies differ, so ask your bank or try another allowed method.
Are there other limits on deposits?
Yes. In New Jersey, five failed deposits within 10 minutes temporarily block an account for a fraud review, and five more can suspend it. Gift card money needs a one-time play-through before you can withdraw it. Casinos also offer spending limits as a responsible gaming tool. See responsible gambling.
Are payments at offshore casinos protected?
Not by a US state. Rules like New Jersey's separate account for player funds do not apply to offshore casinos, and the attorneys general have asked federal authorities to work with payment processors to block unlawful transactions.
What are the rules in your state?
Each state sets its own online casino rules. Pick a state to see its status, its regulator and the date we last checked it.
Read next: PayPal
Sources
Checked November 5, 2026. Regulator rules were read through the sources listed, and they can change. How we research.
- N.J.A.C. 13:69O-1.3: internet gaming accounts (Cornell LII)
- Nelson Mullins: the financial gatekeeper of online gambling (June 27, 2025)
- Connecticut Attorney General: 50 attorneys general on illegal offshore gaming (August 5, 2025)