VISA is a multinational financial services corporation based in the United States and established in 1958. The company simplifies electronic money transactions all over the world and online with its VISA-branded debit, credit and prepaid cards.
Although widely accepted at top online casinos and sportsbooks in the U.S., VISA deposits often get miscategorized and flagged both because of the 2006 Unlawful Internet Gambling Enforcement Act (UIGEA), which was intended to curb illegal gambling, and financial institutions’ concerns over potential changes in the implementation of the Wire Act by the U.S. Department of Justice.
Those two factors have made what should be an easy online gambling transaction at licensed and regulated casinos – which are the only ones you’ll find reviewed at Gambling.com – incredibly frustrating for would-be casino players or sports bettors. However, the problem is not with the online casinos but rather the banks, which is why operators may advertise they accept VISA but struggle to take it. An easy solution to this problem is by using a third-party services, such as the virtual card Play+ and funding them through your Visa credit or debit card. It’s quick, simple and effective and gets you playing casino games or making sports bets right away.
The VISA credit card lets you make quick and easy payments with various merchants online all over the world. As noted above, online casinos struggle to process credit card deposits, which is why we suggest using Play+. The virtual card smooths out the process. If using your credit card to fund a third party or to fund your casino account, remember this is borrowed money that will accrue interest if not paid off during the established period set by the card issuer.
VISA debit cards have no interest rate as the money flows directly from your bank account to the merchant. Funds move quickly, there are typically no fees and you can move funds quickly. But given the 50% success rate of VISA transactions with casinos and casino sportsbooks, using e-wallet giant PayPal is a preferred by many bettors over a debit card for obvious reasons.
A VISA prepaid card offers the same secure way to pay given they are not linked to your bank account. Accepted anywhere that takes VISA debit transactions, this option gives you a way to carefully manage your payments and limit the amount of funds you want to spend. Customers can top-up cards with more funds, and there are typically fees associated with using prepaid cards.
This card works similarly to merchant’s gift cards and can be used almost anywhere that accepts VISA. Some online casinos do not accept any gift card deposits.
VISA is a widely accepted online payment method and in theory should be convenient. That’s why it’s offered as a method of deposit at online casinos and sportsbooks in multiple states in the U.S., including top casino sites in New Jersey. But the reality is the banks aren’t supporting the method in many cases, making for a frustrating experience for bettors. That said, if you succeed in using the card at an online casino, the benefits include:
Many casino platforms accept all VISA cards as a payment method. Although the details can vary from site to site, here’s what you can typically expect:
Regardless of what kind of VISA you’re using, each casino site will have set limits for transactions made with the card. However, while high limits are attractive, because of the issues we’ve outlined, many serious players prefer bank transfers (ACHs), especially those on desktop computer, even though those don’t instantly credit accounts. With a 2-4 day processing time, bankroll management is key for these VIP players.
Online casinos don’t impose additional fees for VISA deposits, however some fees may be assessed by the card issuer. We recommend reaching out to your credit card issuer to find out what fees, if any, are added to online gaming payments made with VISA.
VISA deposits can be flagged and declined, and often are, for reasons we detailed above involving the Wire Act and UIGEA. Contact the casino’s support team if this happens and request that your card be removed from their system and try again or, better yet, switch over to more reliable methods such as Play+ and PayPal. About 50% of all VISA transactions fail.
When depositing with your VISA card, expect the funds to be added to your online casino account almost immediately if the transaction goes through, taking about the same time as any other VISA transaction.
Using VISA for adding funds is super simple and the process is pretty much the same at every online casino. To make a VISA deposit to your casino account, just follow the steps below.
After logging into your casino account, select the cashier from your account page to see the available payment options.
From the cashier page, chose deposit. You can also select any quick deposit option featured on the platform.
Select VISA as your method for this deposit. This makes VISA one of your existing payment options with the casino.
Enter the amount you wish to deposit to your account with your VISA by choosing one that is listed or entering a specific number.
To complete your deposit, enter the number displayed on the front of your card as well as the card’s expiration date and the security number from the back of the card.
You can’t withdraw funds using VISA, but there are other options out there available to access your money. That is why many online bettors use multiple payment and withdrawal options. Among the withdrawal options are PayPal, asking for a paper check to be mailed or a bank transfer (ACH). The downside with using bank wire transfers is that it can take 3-5 days, and with a paper check you are waiting on the mail.
VISA can in theory be used at many of the top online casinos in the U.S. New online casinos may have different offerings, but VISA will almost always be one of them. Gambling.com has compiled a list of the best casinos accepting VISA.
While VISA is a commonly accepted payment method among online casinos in the U.S., there are a variety of other options available. These are the most popular other payment providers offered:
Now that you know the issues of using VISA at online casinos, go check out an operator in your state from the list at the top of the page. Go through the easy registration process and then sign up for a virtual Play+ card. Add funds from your VISA and use your new Play+ card to deposit into your online casino account. Hopefully financial institutions will resolve these VISA processing issues, but until then, this is the most efficient way to get started.
"More than 30 years working in online gaming and sports journalism. I hope to explain the growing US online casino market to help those new to internet gambling have a better understanding."
Reviewer since August 2018