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iGaming Payment Processing Built for Licensed Operators

Betting and gaming volume is exactly what mainstream processors refuse. If you hold the gambling license for your markets, you can apply, and SwissPay reviews and underwrites you in-house, with the fraud and chargeback controls the category demands.

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PayPal railsOne of the most established payment networks
PCI L1Service Provider (AOC-backed)
No PayPal acctSwissPay boards in-house
RebillsCard and wallet vaulting
Quick answer

iGaming payment processing handles card and wallet payments for licensed casino, sports betting, lottery, fantasy and games-of-skill operators. SwissPay is a PayPal-managed payment facilitator that boards and underwrites operators in-house on PayPal rails, so you accept Visa, Mastercard, Amex, Discover and PayPal without needing your own PayPal account.

What is iGaming payment processing?

iGaming payment processing is the acceptance and settlement of player deposits for licensed online gambling operators, including casino, sports betting, lottery, fantasy and games of skill. SwissPay handles it as a PayPal-managed payment facilitator, boarding operators in-house on PayPal rails so they take card and PayPal-wallet payments that mainstream platforms decline for the category.

Online gambling is high-volume, cross-border and tightly regulated, so most platforms decline it on category alone. SwissPay solves that by boarding and underwriting the operator in-house on PayPal rails, so a licensed operator can accept Visa, Mastercard, American Express, Discover and the PayPal wallet without holding its own PayPal account. Whether a given product is permitted in a given market is set by that market's regulator, and the operator is responsible for holding the gambling license that applies.

How a payment flows through SwissPay: 1. Customer pays, Card or PayPal wallet at your checkout; 2. Screened in real time, Fraud scoring and 3-D Secure 2; 3. Processed on PayPal rails, SwissPay boards and underwrites you in-house; 4. Disputes handled, Card chargebacks and PayPal disputes; 5. Paid out T+2 in USD, Settlement to your own bank account
Diagram: SwissPay.ai

Why is iGaming payment processing hard to get?

Gaming is treated as high risk because of its volume, cross-border players, regulatory complexity and chargeback exposure, so mainstream processors decline it outright. Operators that do get placed often face sudden account reviews that interrupt deposits. Lasting processing needs a provider that underwrites gaming on purpose, not a general processor.

The friction is structural, not a reflection of a well-run operator. Mainstream platforms such as Stripe and Shopify Payments restrict gambling in their policies, so even a fully licensed casino or sportsbook is declined or closed. A general high-risk account may take the volume for a while, then pause it during review. Processing that lasts means a facilitator that boards and underwrites gaming in-house, on purpose, rather than a general processor that tolerates it for a while.

What does SwissPay bring to iGaming?

SwissPay is a PayPal-managed payment facilitator that boards and underwrites licensed operators in-house on PayPal rails, so you take card and PayPal-wallet deposits without your own PayPal account. Card and wallet vaulting supports rebills, with 3-D Secure 2 where required and real-time fraud scoring on each payment. One application starts it.

In-house boarding on PayPal rails

You are boarded and underwritten by SwissPay, so no separate PayPal account is required to accept the PayPal wallet or cards.

Cards plus PayPal

Visa, Mastercard, American Express and Discover, the PayPal wallet, and PayPal Pay Later (Pay in 4, Pay Monthly).

Built for rebills

Card and wallet vaulting for returning players and memberships, with T+2 USD settlement to your own bank account.

Fraud and chargeback control

Real-time fraud scoring, 3-D Secure 2 where required, and chargeback plus PayPal dispute handling with automated evidence submission.

Where can players pay from, and how does settlement work?

Players can pay from anywhere PayPal is accepted, while payments from sanctioned jurisdictions are blocked. Operators take Visa, Mastercard, American Express and Discover card-not-present payments, with 3-D Secure 2 where required, plus the PayPal wallet. Settlement is in USD, T+2, to the operator's own bank account.

That split matters in gaming, where the player base is often wider than the operator's home market. SwissPay boards US and Canadian operators, and their players can pay from wherever PayPal is accepted, subject to underwriting, the license each market requires, and card-network and PayPal rules for gambling. Card and wallet vaulting keeps returning players from re-entering their details. SwissPay does not publish pricing.

Can I run iGaming payments on Shopify?

Shopify Payments does not allow gambling, and Shopify restricts gambling stores in its own policies, so a Shopify storefront is not the usual home for an iGaming operator. With SwissPay, operators take card and PayPal-wallet deposits through the REST API or hosted checkout on their own gaming platform, subject to underwriting and the license each market requires.

Shopify Payments is powered by Stripe, and both restrict gambling in their policies, so gaming and many gaming-adjacent stores are declined or closed. The practical path is a payment provider integrated directly into the operator's own site or platform. SwissPay offers a REST API and hosted checkout for that, with T+2 USD settlement to the operator's own bank account.

How does onboarding work?

Onboarding is a single online application. You share your business details, gambling license, target markets and expected volume, and SwissPay reviews and underwrites you in-house. If approved, you integrate once through the REST API or hosted checkout, then take deposits with T+2 USD settlement to your own bank.

  1. 1
    Apply with your license and volume

    Share your business details, gambling license, target markets and expected volume.

  2. 2
    We review and underwrite you in-house

    SwissPay reviews and underwrites your operation in-house.

  3. 3
    Integrate once

    Connect through the REST API or hosted checkout.

  4. 4
    Take deposits

    Accept card and PayPal-wallet deposits with T+2 USD settlement to your own bank account.

Take card and PayPal-wallet deposits.

Board in-house on PayPal rails and accept card and PayPal-wallet deposits for regulated gaming, from one application.

Set up iGaming processing

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Frequently asked questions

What is iGaming payment processing?
iGaming payment processing is the acceptance and settlement of player deposits for licensed online gambling operators, including casino, sports betting, lottery, fantasy and games of skill. SwissPay handles it as a PayPal-managed payment facilitator that boards and underwrites operators in-house on PayPal rails, so they accept card and PayPal-wallet payments the category is usually declined for.
Do you process payments for licensed casinos and sportsbooks?
Yes. Licensed casino, sports betting, lottery, fantasy and games-of-skill operators can apply, and SwissPay reviews and underwrites each one in-house. You are responsible for holding the gambling license that applies to each market you serve.
Do I need my own PayPal account?
No. SwissPay is a PayPal-managed payment facilitator that reviews and underwrites you in-house on PayPal rails. You accept the PayPal wallet and cards without opening or holding a separate PayPal account.
Which payment methods and settlement can I offer?
You can accept Visa, Mastercard, American Express and Discover, the PayPal wallet, and PayPal Pay Later. Settlement is in USD to your own bank account on a T+2 basis, and card and wallet vaulting supports returning players and memberships.
Can I run iGaming payments on Shopify?
Shopify Payments does not allow gambling, and Shopify restricts gambling stores in its own policies. For iGaming, SwissPay works through its REST API and hosted checkout on the operator's own platform rather than a Shopify storefront, subject to underwriting and your own license.
How does SwissPay handle fraud and disputes for operators?
With real-time fraud scoring, 3-D Secure 2 for strong customer authentication where required, and chargeback plus PayPal dispute handling with automated evidence submission. Payments are processed on PayPal, one of the most established payment networks on the internet.
Last reviewed: 14 October 2026

Apply for a merchant account

Tell us about your business. One application, boarded and underwritten in-house on PayPal rails, with card and PayPal-wallet processing built for subscriptions.

  • Boarded and underwritten in-house, no separate PayPal account needed
  • Card and PayPal-wallet vaulting for subscriptions, trials and rebills
  • PCI DSS Level 1, 3-D Secure 2 where required, and chargeback and dispute handling built in