Legal Apple Pay Gambling In The USA
While the best legal online betting sites for US players have long accepted a variety of traditional and modern payment methods, they’ve never been able to directly accept Apple Pay or other P2P app or e-Wallet transfers. However, legal Apple Pay online gambling is now available for US residents at several of the top operators via gambling vouchers, player transfers, and MatchPay (Bovada only).
Going forward, we expect many other brands to support Apple Pay betting deposits and payouts using similar models, though rollout may take some time. Ultimately, however, the cat’s out of the bag, and by allowing site members to buy and sell portions of one another’s account balances via the above means, Apple Pay is now one of the most convenient and secure ways to make quick deposits and claim same-day payouts!
Is Gambling Online With Apple Pay Legal?
As long as your site of choice supports the voucher, player transfer, or third-party MatchPay deposit model, you can legally fund your online gambling activities using Apple Pay and any other P2P platform or eWallet service. There are no federal gambling laws that bar such private transfers between individuals, and the sites that employ these payment options are similarly legal to use (as long as they’re located outside of US borders).
Note: Washington residents are barred from all forms of online gambling, though the state’s gambling laws are apparently unenforced. The sites we recommend all accept WA residents, but you’re advised to follow all local online gaming mandates.
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Bovada Casino has been an industry trendsetter in the real-money online gambling space for years, and they’re often the first major operator to roll out new bet funding methods. They were the first to support Bitcoin betting, and now – via Bovada Vouchers, Bovada player-to-player account transfers, and Bovada MatchPay – they’re the first to offer real, functional support for Apple Pay, Apple Pay Cash, and other P2P/e-Wallet solutions.
Several other sites have already followed suit, and many more are sure to do so in the future. However, because Bovada is a true one-stop shop for all things online betting, it’s our choice for the top destination when it comes to Apple Pay casino gambling, sports betting, online poker tournaments, and more.
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How To Gamble Online With Apple Pay
Despite the fact that Apple Pay compatibility promises far greater overall convenience for millions of US online gamblers (and potential gamblers), there are still some hoops to jump through. Remember, Apple Pay nor Google Pay is not directly accepted by any offshore or international gambling site.
This is due to a US banking regulation called the UIGEA, and it simply means that Apple Pay and similar services cannot be accepted by overseas betting sites (even though these sites remain legal and safe to use for US players). As such, Apple Pay is supported through a series of different workarounds: gambling vouchers, player transfers, and the third-party MatchPay service.
If you’re a member at a site that supports these methods (Bovada LV, Café Casino, Slots LV for vouchers/transfers; Bovada LV for MatchPay), the process is largely the same for both deposits and withdrawals, with only slight differences to keep in mind. Below, we explain the deposit and withdrawal processes for each method.
Using Apple Pay With Gambling Vouchers
Gambling vouchers (i.e. online casino vouchers, online sports betting vouchers, and/or online poker vouchers) are accepted by all the sites listed on this page, and they’re a way for players to buy and sell account balances from one another.
That said, each site is a different entity, and members cannot buy or sell account balances across these sites. You can only use Apple Pay to buy/sell vouchers to/from players at your same specific gambling operator.
Here’s how Apple Pay voucher transfers work:
- Follow any link on this page to a legitimate, trusted online casino that supports voucher deposits and withdrawals.
- Sign up for free, taking care to use your real, verifiable information.
- To deposit via the voucher method, go to your site’s hosted community forums and find a voucher code for sale. Ensure that the listing allows for Apple Pay transfers.
- Contact the voucher seller, arrange to send over an Apple Pay transfer, and kick off the transaction.
- Your voucher seller will then give you their voucher code for the amount in question via email, text, messaging app, etc.
- Enter the code at your site’s cashier page and select and optional online gambling bonus. Funds will be credited immediately with no added fees.
For those looking to cash out their winnings via Apple Pay, the process is largely the same. Just head over to your site’s cashier page, choose the gambling voucher payout option, and enter in the amount of money you’d like applied to your voucher code.
The site will then send this voucher code to your email address on file, which you can then advertise for sale on the venue’s message boards. Be sure to indicate that you accept Apple Pay, and always send your voucher code to your buyer as soon as the transaction concludes.
All the best Apple Pay gambling sites have strict rules for voucher compliance, so you should always transfer your code to your buyer ASAP.
Note: Gambling vouchers do not guarantee same-day payouts, but in our experience, these transactions clear same-day about 75% of the time. Remember, a buyer must contact you to conclude the sale, and sometimes that can take a day or two.
Using Apple Pay With Player Transfers
Player transfers are very similar to vouchers at the top US gambling sites online, with the exception that there’s a bit more active oversight by each supporting operator.
This oversight allows the operator to be a middleman of sorts, which makes things go a bit more smoothly. However, that oversight also means player transfers aren’t always as fast as voucher transfers.
Nevertheless, the processes for buying and selling account balances via player transfers are effectively identical to using the voucher system, with the exception that buyers and sellers must choose the “Player Transfer” option instead of the “Voucher” option.
The real benefit to using player transfers instead of vouchers to make Apple Pay gambling deposits and withdrawals is that player transfers have much higher maximum transfer limits. This is again due to the fact that player transfers are overseen by the sites in question to a greater custodial degree than betting voucher transfers.
Using Apple Pay With MatchPay
For our money and peace of mind, the best way to bet online with Apple Pay is to use MatchPay. Of course, as of Q3 2021, this is only available at Bovada. For some gamblers, then, it’s not a viable option (although we recommend that every serious US online gambler should join Bovada in addition to any of the other top-tier sites featured here).
Online MatchPay deposits at betting sites have the lowest limits of the three major Apple Pay-compatible gambling options, but it’s also the most convenient and most secure. That’s because MatchPay is a third-party service that Bovada employs to act as the go-between for player-to-player account transfers, and such transfers yield automatic deposits and withdrawals.
There are no voucher codes to worry about, no ads to post, and no extra steps involved when making Bovada MatchPay deposits and claiming MatchPay withdrawals via Apple Pay. Here’s all you need to do:
- Follow any link here to sign up with Bovada and create your membership account.
- Enter in all requested personal information.
- Select the MatchPay deposit option.
- A MatchPay window will pop up, prompting you to create a free MatchPay account. Simply enter a username, password, and email address. (This makes you a “MatchPay Trader,” and you can use this same account for any site or vendor that accepts MatchPay.)
- Include all the P2P apps or e-Wallet platforms you have access to and would like to use with MatchPay, including Apple Pay.
- Once your MatchPay account is all set up, you’ll be returned to the Bovada cashier page. Here, simply enter in the amount of money you wish to deposit into your legal online betting bankroll via MatchPay.
- MatchPay will then scan all other Bovada members who are enrolled in the service and who have designated all or part of their account balances as MatchPay eligible. Once the system finds a suitable match, the transaction is concluded automatically.
Because MatchPay is automated, most members can use the above process to deposit more or less instantly. Payouts are similarly instant, typically concluding the same day you request them.
To collect a MatchPay Apple Pay payout, just visit the Bovada cashier and select the appropriate withdrawal option. You’ll receive your money in full as soon as the system finds a buyer.
Apple Pay Gambling Transfer Limits
Because you can use Apple Pay three different ways at participating USA legal online betting sites, you’ll get three different deposit and withdrawal limits depending on the route you choose.
As a rule, player transfers have the highest limits, voucher transfers have moderate limits, and MatchPay has the lowest limits. The figures below are current and will be changed the moment the sites in question establish different gambling transaction limits:
Apple Pay Deposit Limits
- Player Transfers: $10 min, $15,000 max, no fees
- Vouchers: $10 min, $3000 max, no fees
- MatchPay: $20 min, $1000 max, no fees
Apple Pay Withdrawal Limits
- Player Transfers: $10 min, $15,000 max, no fees
- Vouchers: $10 min, $3000 max, no fees
- MatchPay: $20 min, $1000 max, no fees
Apple Pay Online Gambling Bonuses
The only comparative downside about making Apple Pay betting deposits at the best US online casinos, US online sportsbooks, and US online poker sites is that you’re only going to be eligible to receive the standard bonuses on offer. That means you’ll get deposit match free plays, free spins, and free coins to the tune of 50% to 100% of the amount you put in.
You’ll also need to be sure to accept an online betting bonus specifically for the market in which you’re going to most regularly participate.
Online casino bonuses are not applicable to sports betting or poker games, online sports betting bonuses are not good for online casino games or poker, and online poker bonuses don’t work with casino gambling or sports gambling.
Bonuses also have different playthrough/rollover requirements depending on the market in question. Generally, casino promos have the highest playthrough rates at 20-40X, while sports betting promos have rollovers of 5-10X. Online poker promotions have no rollover requirements and are instead disbursed incrementally according to the number of hands played.
Regardless of your preferred gambling market, we generally recommend that all eligible members accept these bonuses, as the best legal gambling sites for US players make them fair and attainable.
Apple Pay Gambling FAQs
Apple Pay is an instant-pay service (technically called Apple Pay Cash) and e-Wallet in one, and it works on iPhone, iPad, and Mac devices.
You can use Apple Pay to send private cash transfers to other Apple Pay users (which is how it’s used by the top online gambling services) or to store various credit cards, debit cards, gift cards, and rewards cards.
By using your actual Apple device, Apple Pay adds several more layers of security to standard card-based or online instant-pay transfers, and it’s convenient because it’s housed entirely on your mobile phone, tablet, or computer.
For legal online gambling, Apple Pay works like any other P2P app or eWallet product. You can use Apple Pay to store typical credit and debit cards, which makes it easy to submit credit/debit deposits at any online mobile US betting site, but because of the UIGEA, we don’t recommend this route.
Instead, we suggest using Apple Pay to fund your online gambling activities via site vouchers, player-to-player transfers, or – if you’re a Bovada member – the Bovada MatchPay service.
Otherwise, the actual process of using Apple Pay for online gambling is just like using it for anything else, and Apple Pay betting works similarly to PayPal betting, Venmo betting, Cash App betting, Zelle betting, etc.
Yes! All Apple Pay gambling transfers are secured by several parties acting as custodians, including your gambling site, your card issuer, your bank, and Apple itself.
In the case of Apple Pay MatchPay transfers, MatchPay also works as a guarantor, securing your transactions further.
Whenever you use Apple Pay to fund your online betting – whether you use vouchers, player transfers, or MatchPay – transactions are guaranteed to be safe and secure every time.
Currently, only a handful of sites accept Apple Pay. These are the venues that employ gambling vouchers, player transfers, and/or MatchPay.
Right now, that’s Bovada, Café Casino, and Slots LV.
Note: Bovada is currently the only legal online gambling site for US players that supports MatchPay.
We’re active members at all the sites listed here, and each has its strengths and weaknesses.
However, for pure, unfiltered online casino gambling action, we prefer Café Casino.
That said, if online slots are more your game than online blackjack, online roulette, or online video poker, we think Slots LV is the obvious choice thanks to their extreme focus on the one-armed bandit.
In reality, of course, you can’t go wrong with either site, and if you want sports betting and online tournament poker, too, Bovada is the only operator that offers all three markets.
The best Apple Pay sports betting site is currently Bovada, as it’s the only Apple Pay sportsbook on the Internet.
But even when other sportsbooks accept Apple Pay transfers for deposits and payouts, Bovada would still likely be our top choice, thanks to its award-winning mobile interface, its overall presentation and ease of use, and its custom prop builder tool.
It also doesn’t hurt that the Bovada Sportsbook supports dozens of leagues and events globally with thousands of daily betting lines and live odds to choose from.
As with Apple Pay sports gambling, Apple Pay poker is only available via Bovada as of late 2021.
While this could change in the future as more sites adopt vouchers, player transfers, and the third-party MatchPay service, the Bovada Poker Room is second to none and would still rank as our first overall choice.
At Bovada, poker players get access to cash table games 24/7, Sit-N-Go events that start around the clock, and major online poker tournaments with six- and seven-figure grand prizes!