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Apple Pay in US Casinos
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Online gambling has experienced a significant rise in the US, particularly since 2018, when regulated betting markets began to open up in the country. However, even before Internet sportsbooks became a thing in the United States, there were licensed operators in distinct regions providing high-quality online casino experiences. Casino games from top global providers are now available for access in several US states, with many operators giving iOS consumers a native solution that can deliver swift depositing across many regulated casino sites for mobile play. The ease with which this method does this is one of its main enticements, and below, we go in-depth on why so many US players pick Apple Pay, and why it's the best payment method for them at regulated casinos in the United States.
Online Gambling Regulation in the US
As of writing, seven US states have legal iGaming sectors with operational online casinos. These hubs generate substantial tax revenues, more money than what betting arenas generate in states with both. That gets owed to the fact that the frequency of play is much higher when it comes to casino games, with results coming in a few seconds after a bet is made. Moreover, all games have a built-in edge in every round that favors the operators, who are more skilled in monetizing casual players.
The initial US state that allowed online casino gambling was Delaware in 2013, quickly followed by New Jersey. The other five are Pennsylvania, Connecticut, Michigan, West Virginia, and Rhode Island. It is vital to point out that before 2011, there was no possibility for Americans to enjoy casino-style games of chance. To play slots, video poker, bingo, keno, and table casino classics, they had to use foreign sites that feature them for real money action.
While international casino websites have been active since the mid-1990s, with Antigua and Barbuda being the first nation to allow them, they did not become legal in the US until the Department of Justice chose to issue a novel interpretation of the 1961 Wire Act, which looked to curb Interstate gambling as a tool to cripple mob profits from organized crime.
In 2011, the DOJ chose to reevaluate the Wire Act of 1961, and it decided that it did not apply to forms of gambling other than sports betting. Hence, from that moment on, states were free to pass legislation concerning this activity as they saw fit. Because this interpretation of the renowned law did not affect sports betting, and due to the PASPA-induced ban of 1992, wagering on sports in the US, online and offline, remained illegal outside of Nevada until 2018, when PASPA was repealed through a Supreme Court case verdict.
The 2011 interpretation also affected online poker, which was widely enjoyed in the US before at offshore platforms, before the event known as Black Friday Crackdown. That was a nationwide initiative of shutting down poker operators offering card gambling services to Americans, as these entities were in violation of UIGEA, or the Unlawful Internet Gambling Enforcement Act of 2006, which forbids the processing of online gambling-related transactions by American financial institutions.
There are multiple reasons why online casino adoption in the US has been slower than sports betting in the United States. These include political, cultural, and economic factors. The main one is that lawmakers see casino gaming as riskier of producing social harm, as casino games are fast and designed for repeated play. Gaming products, while generating more revenues, too require stricter regulatory oversight. Furthermore, wagering on sporting contests has also gotten normalized to a high degree in the country thanks to the popularity of fantasy sports.
That said, in the states where online casinos are legal, business is booming, and many of the platforms with the highest user counts in these places list Apple Pay as a viable transaction option for depositing. It is the logical pick for Apple device users, people who like to test their luck on legal casino games using their Mac, iPhone, iPad, or Apple Watch. If you fall into this group, get ready to learn how you can do this too by continuing to the section below.
Using Apple Pay Across US Online Casinos
Despite what some sites may say online, Apple Pay is not an e-wallet. It cannot hold funds. It is merely an intermediary between you and the credit or debit card you have linked with this payment app on your Apple device. Because of this, and its payment tokenization layer, which is a prime security feature, most US online casinos offering Apple Pay do not allow this transaction method for withdrawing.
The causes for this are a combo of regulatory, banking, and technical constraints. US laws emphasize anti-money laundering procedures and source-of-funds tracking. Thus, regulators want to know that businesses, casino operators in this instance, are well familiar with where the money they get comes from. The mentioned tokenization obscures this by hiding users’ connected card data for privacy reasons. That is problematic for operators to satisfy auditor rules, and is why they redirect users to withdrawal methods like PayPal, check, or ACH bank transfers. These options deliver clear ownership trails not viewable when someone utilizes Apple Pay.
Apple Pay was in development for a while before officially launching in October 2014. When it did, it was not a service that was quickly accepted by iOS users, as it took a couple of years before more than 10% had it active on their iPhones. Today, sixty to sixty-five million people, per some estimates, use it, and over 85% of merchants in the United States allow its use. Retail use, at writing, was beating out online Apple Pay transactions, but Internet use of this service has slowly been gaining traction in the US, even though the country trails Canada and the UK in this department.
Apple exercises tight control over how Apple Pay is used, but the US Internet gambling sector has accepted this money transfer option virtually with arms wide open. Some sites have even made efforts to allow withdrawing for it, which is generally unavailable.
The process of utilizing Apple Pay for online casino play in the US begins with you adding your card to your Apple device wallet. Technically, Apple Pay is built into all Apple devices, and in the wallet section, all you have to do is select the add card choice, scan your physical card, or manually enter all the required details. After that is done, it is time for you to choose an authentication method, and following that step, you are all ready for depositing at casino sites in America.
Generation Z members and Millennials with iPhones and iPads love this method, and below, we go into how to get started with it for playing slots, lottery-style games, and RNG/live dealer ones.
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Deposits and Withdrawals with Apple Pay
The convenience that Apple Pay provides to users of Apple devices is the top reason why so many Americans choose it, aside from its security and the speed with which it can facilitate depositing. Moreover, pretty much all US banks support it now, and a lot of casino websites do too.
Before utilizing it for funding your casino gaming online, naturally, you first must find a platform that is suitable for you to use. The process should entail analyzing all viable candidates’ promotional offerings, game selections, customer support levels, and reading reviews on how they treat players and how fast they supply payouts. Upon settling on a trustworthy brand and making an account with it, here is what you must do next to begin gambling with Apple Pay:
- Ensure that you are logged into your casino account before clicking the deposit button in the top navigation bar.
- Once on the Banking or Cashier section of your selected gaming website, click the Apple logo or select Apple Pay from the list of offered options.
- Type in the sum you wish to deposit, which must be above the site’s minimum requirement.
- Confirm your deposit request on your app using the selected authentication method.
- Verify that your desired funds have been credited to your gaming account’s balance.
Hence, the process of using Apple Pay for online casino depositing is super simple. It should not take over a minute once you have your card linked to your device’s app, and the whole procedure is very secure due to the mentioned tokenization and authentication systems.
Also, as touched upon above, withdrawing is unlikely to be allowed through Apple Pay. This is not possible at most regulated US online casinos. So, to take one’s winnings, most players go with a bank transfer, PayPal, Venmo, or a check payout. These methods have different payout timeframes, with e-wallets supplying the fastest cashouts, within two days, while checks are the slowest, at over a week. Bank transfers are ideal for players who want to get their funds in the same bank account from where they pulled money to fund their gambling voyage.
Conclusion
There is no better deposit choice for Apple device owners in a US state with online casinos than Apple Pay. It lets such players deposit at legit US casino sites from their bank account through a linked card, but thanks to Apple’s security features, they do this more safely than if they had deposited directly from said card. The transfers happen just as fast, but with an added layer of security that makes many feel super comfortable. Though withdrawing usually has to be conducted through another transaction option, if Apple Pay’s perks sound appealing, try it for your next deposit, and we are sure that iOS users who do, will enjoy a hassle-free experience.
FAQs
Is it legal to gamble online in the United States?
Online casino gambling is legal in the United States in New Jersey, Pennsylvania, Michigan, West Virginia, Delaware, Connecticut, and Rhode Island. In these states, players must be twenty-one or older to access regulated gambling platforms, and they have to be physically located within state borders to do so. The latter gets verified using geo-location software.
Can US players access foreign online casino sites?
In most states without legalized online casino gaming, residents play at offshore sites, which are unregulated by any US organization. These hubs operate from foreign lands, and they follow rules set by their native regulators. This behavior is outright forbidden in Utah and Hawaii, but even people from these regions are not prosecuted for using these platforms; the laws just aim to discourage anyone from registering with them.
Is Apple Pay offered across many regulated US online casinos?
Yes. Apple Pay is available at a decent number of licensed online casinos in states that permit these platforms. Most top operators have adopted this payment method, something which is happening rapidly even at offshore websites, on account of swelling demand for mobile-friendly brands for iOS users.
Does using Apple Pay increase anonymity at online casinos for US players?
No, it does not. One may think that tokenization provides anonymity, but the payment processors know from whom the transactions are sent, and so do operators. On top of this, legal US online casinos require all users to go through obligatory identity verification. So, no anonymity is possible with US gambling operators for compliance purposes.
Can Apple Pay deposits affect online casino bonus eligibility?
Generally, no. Popular e-wallets like Skrill and Neteller affect bonus eligibility due to chargeback risks, but Apple Pay deposits are treated like standard debit or credit card transactions. Operators make no difference between these two method groups, and Apple Pay deposits should qualify depositors for welcome offers and other promos.