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Why Online Gaming is High‑Risk
Banks and processors categorize online gaming—especially iGaming, casinos, betting, and real‑money play—as high‑risk due to card‑not‑present transactions, strict regulations, and elevated chargebacks. Even non‑gambling digital games see higher dispute rates from impulse purchases, minors using stored cards, and confusion over digital goods.
Card‑not‑Present & Digital Goods
Most gaming payments happen online or in‑app, which increases fraud and first‑party abuse compared to card‑present environments.
Digital items (tokens, skins, battle passes) are consumed instantly, making “did not receive” disputes difficult to defend.
Most gaming payments happen online or in‑app, which increases fraud and first‑party abuse compared to card‑present environments.
Digital items (tokens, skins, battle passes) are consumed instantly, making “did not receive” disputes difficult to defend.
High Chargeback Potential
Online gaming and travel are cited among industries with historically high chargeback rates and financial instability concerns.
Exceeding card‑network thresholds can trigger higher reserves, limits, or even account termination.
Online gaming and travel are cited among industries with historically high chargeback rates and financial instability concerns.
Exceeding card‑network thresholds can trigger higher reserves, limits, or even account termination.
Regulatory, AML & Age Restrictions
iGaming and betting must align with licensing, AML, KYC, and age‑verification rules, often differing by jurisdiction.
Banks and card brands expect controls around blocked regions, responsible gaming, and suspicious transaction monitoring.
iGaming and betting must align with licensing, AML, KYC, and age‑verification rules, often differing by jurisdiction.
Banks and card brands expect controls around blocked regions, responsible gaming, and suspicious transaction monitoring.
If your online gaming or iGaming business has been labeled high‑risk or struggled with processor stability, contact CARDZ3N to explore a dedicated gaming merchant account strategy.
