Gaming and betting is one of the most closely watched categories in payments. The card networks require their own coding and registration, federal law sets rules for how gambling payments are screened, and every state draws its own lines. Most processors answer that with a blanket no.
Flux works with high-risk verticals deliberately. A gaming or betting business gets a real underwriting review by people who look at its licenses, where its players are, and the controls it runs, not just the category code. Underwriting is real, and not every business qualifies.
Why gaming businesses talk to Flux
A real underwriting review
People look at your licenses, your controls and how your money moves, not only your merchant category.
Cards and ACH in one integration
Card and bank-transfer payments run through one integration, so you are not dependent on a single method.
Card data off your servers
Hosted fields capture card details in Flux's isolated iframes, and Flux is certified to PCI DSS SAQ-D Level 2.
What a gaming underwriter looks at
Every gaming account review comes back to the same questions, whoever the processor is. Having clear answers ready is the fastest way through it.
- Legal status: a license for every market you serve, or a legal opinion where your model does not need one.
- Where your players are: how you confirm location and keep out places you are not allowed to serve.
- Who your players are: identity and age checks at signup, and again before money goes out.
- Disputes: your chargeback history and how you prevent and answer disputes.
- Money movement: how deposits come in, how withdrawals go out, and how you watch both for fraud and laundering.
The guides below go through each of these in depth, from merchant category codes to reserves and settlement.
Settlement and pricing
Card payments settle in 1-2 business days and ACH payments in 1-3 business days. Gaming and betting accounts are priced after underwriting, based on your license, volume, average ticket and dispute history, and some accounts carry a reserve. Get every term in writing before you sign: our guide to reserves and payout holds explains what is normal.
Gaming and betting guides
Fifteen in-depth guides to the rules, rails and risks of taking payments in gaming and betting.
Frequently asked questions
Does Flux work with gaming and betting businesses?
Flux reviews gaming and betting businesses case by case. Approval depends on your licenses, where your players are, and the controls you run, and not every business qualifies.
What should I have ready before I apply?
Your gaming licenses, or a legal opinion where your model does not need one, for every market you serve. Also your terms and responsible gambling policies, a description of your identity, age and location checks, and recent processing statements if you have them.
How are gaming and betting accounts priced?
Gaming and betting accounts are priced after underwriting, based on your license, volume, average ticket and dispute history. Some accounts carry a reserve, so get every term in writing before you sign.
How fast do gaming merchants get paid?
Card payments settle in 1-2 business days and ACH payments in 1-3 business days, on a schedule you can plan around.
Talk to Flux about your gaming business
Tell us how your money moves and a real person will review it.
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