Gaming Merchant Accounts

If you’re looking for a payment provider offering comprehensive online gaming payment solutions and considerable expertise and experience in the gaming industry, then you have come to the right place.


Why Gaming Payment Solutions are important?

iPayTotal specializes in online gaming merchant accounts, gaming payment solutions, developed specifically for gaming, betting and casino companies.


The global media and entertainment market, which includes online casinos and gaming, is projected to grow worldwide to $2.14 trillion by 2020, according to the statistics portal, Statista

As an important and ever-developing market, online gaming has exploded over the years and is expected to continue to gain in popularity. Data shows that global online gaming traffic alone is expected to climb from 126 petabytes in 2016 to 568 petabytes in 2020, proving people plan to keep the games going.

This year, the world’s two largest gaming regions, North America and the Asia Pacific, are expected to account for 78% of global revenues. Massively multiplayer online gaming (MMO), which includes games that can be played by hundreds and sometimes, thousands of players at a time, generated $19.9 billion in 2016. This is where the role of online gaming merchant account providers comes in effect.The whole expansion of online gaming and betting business depends upon online gaming merchant account setup and online gaming merchant account credit card processing .

You need a way to accept credit card payments from players around the world, all in real-time for your online gaming payment processing. iPayTotal’s gambling merchant accounts offer you a level of service of online gaming merchant account credit card processing that will help your business succeed and increase profits.

iPayTotal offers online gambling and casino owners several solutions for online gaming industry merchant account to accept payments online, the most popular method with a credit card. Our online gaming merchant account rates are the most competitive ones in the industry. Online gaming merchant account credit card processing is important for your websites which allow users to play or bet internationally.

Via dedicated gaming acquiring partners, we offer you online gaming merchant account and payment gateway, everything you need to accept gaming card payments and pay out winnings easily and securely. Our online gaming merchant account services are the best in class with multiple gaming payment providers and gaming payment solutions.

Our feature rich dedicated payment gateway for online gaming  solutions are fully flexible and have been developed to deliver value and growth to your business. Accept credit and debit card payments easily and securely, process repeat and deferred payments, manage refunds, pay out winnings into one easy to use and customizable platform for online gaming industry merchant account.

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How Do I Get A High Risk Online Gaming Merchant Account?


ave you tried to search “How to obtain a Gaming Merchant Account” or “Gambling Merchant Account” and came up short? You are not alone. Gaming is considered to be a high-risk industry by most of the acquiring banks and thus its very difficult to obtain an online gaming merchant account and payment gateway. Especially with online gaming many small transactions are generated and can often be hit with a much higher percentage fee by the respective banks.

However, we know through our network which banks are offering the best current deals and can enable the merchant to obtain the very best market leading rates for a merchant account for online gaming. We build our merchant services around your unique business model, whether it’s one-click tokenization for fast, in-game payments, or recurring transactions for game subscriptions. Our partner gaming payment providers get you best in class online gaming merchant account rates

iPayTotal, we offer dedicated support from a team with decades of experience in payment processing and online gaming.Our international network of banks / online gaming merchant account providers provide you with access to the most competitive rates and ensures you have resiliency in the business, operating across many different acquiring banks that can all be placed on our gateway without the need for individual integrations, saving time and money online gaming merchant account setup. We can also help to reduce your foreign exchange exposure to further improve your profitability.

Whatever type of games company you are, we make payments simple and help you increase player conversions and sales. We also enable the consumer to interact with the payments platform through the usual international card types (Visa, MasterCard, Amex et al), domestic card types as well as the ever increasing number of alternative payment methods.


To obtain a casino and online gaming merchant account, a business needs to fill out our online application. In addition to the application and a secure, operational website, merchants also must have the following items handy to provide to processors and underwriters:

  • A valid, government-issued ID, such as a driver’s license.
  • A bank letter or a pre-printed voided check
  • 3 months of the most recent bank statements
  • 3 months of the most recent processing statements if applicable
  • Chargeback ratios must be under 2%
  • A SSN (Social Security Number) or EIN (Employer Identification Number)
  • Utility Bill
  • Company Incorporation certificate

Accepted Gaming Sectors

We welcome applications from online Gambling businesses, including the following sectors:

  • Casinos
  • Bookmakers
  • Prize Draws or Similar
  • Internet Sports Books
  • Reverse & Penny Auctions
  • Raffles
  • Small Lottery Syndicates
  • Internet Sports Books
Why Do Banks Consider Gaming a
High-Risk Industry

nline gaming and gambling are risky because the industry falls into a legal gray area. Though there are no federal laws that prosecute online gamblers, the Unlawful Internet Gambling Enforcement Act of 2006 states that no person or entity may knowingly accept any funds associated with a person participating in illegal online gambling. Since the law states that a party cannot “accept” funds, this has no real consequence for an actual gambler. Since the law prevents gambling merchants from legally accepting wire transfers, merchants need companies, like ipaytotal Ld, to process credit card payments.

There are no provisions in the law, stating players would be punished for gambling online or transferring funds to pay for bets. The state level is a completely different story. Each state in the United States treats online gambling differently. Some states, like Delaware, have legalized regulated online gambling, some have conditionally legalized it, like Nevada, and others have outlawed it, like Louisiana and Iowa. Iowa has the strictest online gambling laws on the books.

Depending on the amounts of bets exchanging hands, a violator can be charged with a felony. Nevada permits online poker at state-licensed sites but prohibits anything else.

Though online gaming has become a major, profitable component of the gambling industry, many banks consider them way too risky. Casinos and online gaming businesses are prone to excessive chargebacks and refunds and have a higher volume turnover. These increase the liability the processor likely will incur when processing credit card payments for the business.

Also, online gambling gets hit with lots of friendly fraud. This is when customers dispute a transaction because they changed their minds. Their credit cards weren’t stolen. They just decided they didn’t want to pay for the services.


  • Proof the merchant can produce at least $5000 every week in sales.
  • Four to six months of payment processing history with banking statements showing company name, total sales, chargebacks, and refunds.
  • Endure a 10 percent rolling reserve


Merchants need to ensure they are using secure channels to prevent abuse by customers. Details of every transaction should be recorded, archived, and easily retrieved when necessary. Security steps should be taken to ensure that the exact date and time of the transaction, as well as the IP address of the computer from which the purchase was made is known in case there is a dispute.


When casino and online gaming businesses apply for merchant accounts, processors and underwriters want to see that they are running legitimate, reputable businesses.
During their review, underwriters look at many factors to ensure credit card processors are not taking on any unnecessary risk. Merchants that are considered high risk means processors are taking on a greater potential financial burden.

Some of the features of your
Online Gaming merchant
  • Multi-bank processing (including off-shore)
  • Secure payment gateway
  • Chargeback alerts
  • Chargeback disputes
  • ACH/Check 21 processing
  • Competitive processing rates (below 6%)
  • Fraud prevention and protection

As well as our customer-focused business set-up, we differentiate ourselves from our competitors in the following ways:


We can process large volume events – with a capacity of up to 1000 transactions per second


Our breadth of services means we can support and manage various parts of the payment eco-system including issuers, schemes and global payment partners


We have a value proposition structure that’s tailored to our customers’ need, Which helps to streamline things

Online Gaming Merchant Account Fee


ur online gambling merchant account fees are industry-competitive and affordable, and the application process is free – iPayTotal does not charge a merchant any fees until they begin processing transactions. Once you have been pre-approved,

our underwriting department will match your business with the acquiring banking partner we feel is the best fit for your needs. The bank will then process your application and determine your merchant account fees.

Especially with online gaming many small transactions are generated and can often be hit with a much higher percentage fee by the respective banks. However, we know through our network which banks are offering the best current deals and can enable the merchant to obtain the very best market leading rates.

Keeping Gaming Merchant Accounts in Good Standing

iPayTotal understands the unique needs of online gaming. Whether it’s online casinos, online gambling, online poker, social gaming or skill gaming, our experienced team intimately understands the challenges these businesses endure.

Our high risk payment processing expertise can help your legal gaming business acquire merchant accounts and protect those accounts from excessive fraud using proprietary transactional algorithms created to seek out potential chargeback threats before they happen.

Your fees are contingent on several factors, such as the merchant’s processing history, type of industry (high or low risk) and/or projected sales volume. Each online gambling merchant account is different, but typical fees include:

• Merchant Account Fee
• Transaction Fee
• Discount Rate
• Merchant Account Registration Fee
• Monthly Statement Fee
• Chargeback Fee
• Refund Fee
• Rolling Reserve

Some things merchants can do to keep their accounts in good standing include:
  • Maintain a good history with credit card processors
  • Consistently perform a high sales volume
  • Keep a high balance inbusiness accounts.
  • Dispute chargebacks whenever possible and back up disputes with strong evidence
  • Remain transparent in all communications with your banks and payment processor


We have been providing merchant services to high risk businesses for almost two decades and have developed strong banking relationships around the world to support online gaming.

If you operate an online casino or other legal online gaming business, iPayTotal can help you maximize profits.


We understand what payment method is needed in each market for different types of gaming transactions and, most importantly, we have the capabilities to enable you to offer these payment methods.

Look no further than iPayTotal , the leading experts in getting your Online Gaming Merchant Account ready to accept payments.