Credit cards at online casinos: Visa, Mastercard, Apple Pay and Google Pay

For players from Austria, Visa and Mastercard are the payment route that needs the least explanation: enter the card details, approve the payment with your own bank, return to the cashier. In the Austrian cashiers of Spinanga, Lunubet, Bassbet, Spinrollz and Kingmaker both cards are listed, for deposits as well as for withdrawals. Apple Pay and Google Pay, on the other hand, do not appear in the AT list of any of the five brands, even though the search for the phone wallet often starts in the same breath as the search for the card.

The card is therefore one of several options that sit side by side in these cashiers. How it fits next to eps, bank transfer, wallets and crypto is shown method by method in the overview of payment methods compared. This page goes into depth on the card: which amounts the five cashiers require, how the approval works, why card payments from Austria get declined, how money comes back to the card and what the Payment Services Act says about chargebacks.

The search queries from Austria show how broad the topic is: “online casino kreditkarte”, “casino mit visa einzahlen”, “casino mit mastercard”, “casino auszahlung auf kreditkarte” or “online casino kreditkarte zurückbuchen”. The answers rely on the cashier lists and terms of the five brands for Austria. Where Casino.Guru or AskGamblers give different information, it is noted as a deviation next to it, without giving either source priority. Voices of players from Austrian forums show where card payments get stuck in practice.

IICards and wallets by casino

When it comes to the card, the AT cashiers of the five brands are strikingly uniform. Visa and Mastercard are listed everywhere as “deposit and withdrawal”. In the cashier, the deposit is called “Pay by Card” at Spinanga, Lunubet, Spinrollz and Kingmaker, and the withdrawal “Withdraw to Card”; Bassbet simply lists the method as card (Visa/Mastercard). None of the lists contains a separate line for American Express; only Visa and Mastercard are shown. A search for Amex deposits finds no entry here.

Phone wallets. For wallets the picture is just as clear, only the other way round. Apple Pay and Google Pay are not listed in the information of any of the five. The same applies to PayPal and Paysafecard: both are missing from the AT cashier of every one of the five brands, listed neither for deposits nor for withdrawals. Wallets that are listed are MiFinity in both directions and Skrill, which appears at all five on the withdrawal side only. Neteller and Jeton are not listed, Revolut is listed in both directions.

Crypto as a third route. Besides card and wallet, each of the five cashiers carries a long row of cryptocurrencies, from Bitcoin via Ethereum and Litecoin to USDT and USDC on several networks. For players who want to use neither a card nor a bank account, this is the remaining option in these cashiers; what applies to minimum amounts and withdrawals is described on the page about crypto at casinos for players from Austria. At all five brands, Bitcoin has its own minimum deposit of €30.

Deviating lists. Third-party sites paint a different picture because they count across countries. For Spinanga, Casino.Guru names globally Neteller, Skrill, PaysafeCard, Mastercard, VISA and eps transfer among others, AskGamblers for the same brand Visa, MasterCard, EPS, Rapid Transfer and Paysafecard. For Spinrollz, Casino.Guru names Skrill, Neteller and PaysafeCard as deposit methods across countries. For Austria the cashier list counts: there, Visa and Mastercard are confirmed, Paysafecard is not.

Minimum amount. This is where the brands differ. Spinanga, Bassbet and Kingmaker require €10 for the card according to the cashier, Spinrollz 10 EUR. Lunubet sets €20 according to the AT cashier, while according to its FAQ the minimum deposit is “as a rule” €10. For the welcome bonus, all five require €20. The frequent search for a casino with a 5 euro deposit by Mastercard meets different values in these cashiers, because none of them names an amount below €10 for the card. The lower limits of all methods per brand are collected on the page about the minimum deposit at online casinos.

Maximum amount. At the top end, the limit for the card is €2,000 per deposit according to the cashier, Spinrollz writes 2,000 EUR. That is more than eps with €900, but less than MiFinity with €2,500 or bank transfer, Revolut and crypto with €5,000. Spinanga adds in its terms that the operator sets minimum and maximum amounts at its own discretion. Where the card sits within the full offer of these cashiers is summarised in the overview of online casino payment methods for players from Austria.

IIIDepositing by card and 3-D Secure

A card deposit begins and ends in the casino cashier; in between lies the approval by the bank that issued the card. The process is structured the same way at all five brands; the differences concern the minimum amount and the name of the method in the cashier.

1. 1

   Open the cashier

   Go to the deposit area in your account and choose the card in the AT list, usually labelled “Pay by Card”.

2. 2

   Enter the amount

   At least €10 at Spinanga, Bassbet and Kingmaker, 10 EUR at Spinrollz, €20 at Lunubet according to the AT cashier; at most €2,000 per deposit.

3. 3

   Enter the card details

   Enter the details of your own Visa or Mastercard. The card must belong to the player.

4. 4

   Approve with the bank

   Confirm the payment with the procedure set by the issuing bank, for example in the banking app.

5. 5

   Checking the credit

   Back in the cashier, check the balance and, if the credit is missing, keep the bank's confirmation.

IVDeclined card payments

In Austrian forums, players report declined card payments. A player with a Paylife credit card sums up the pattern: “In regelmäßigen Abständen werden Transaktionen abgelehnt.” (“Transactions are declined at regular intervals.”) In his case the answer came not from the casino but from the card's support. Another user explains the background: “Offenbar kann es passieren dass dein Account als ‚riskant‘ eingestuft wird.” (“Apparently your account can end up classified as ‘risky’.”) In the case described, the card support removed this flag again.

What the bank may do. The legal framework for refusals is set by § 73 ZaDiG 2018, the Austrian Payment Services Act. The payment service provider may refuse an authorised payment order if its execution would breach an EU or national rule. If it refuses, it must inform the user, stating the reasons and the options for correction, unless a legal provision prohibits this. So with a declined card, the bank is the right contact.

Monopoly and planned blocking. Under § 3 GSpG, gambling in Austria is reserved to the federal state; the licensed providers are Casinos Austria and win2day. According to government bill RV 594 d.B., payment blocking under § 56e and § 51a is to be introduced in future, a measure that also involves payment service providers. Entry into force is planned with the end of 31.12.2026; as of 09.10.2026 the bill is with the Finance Committee and deliberations have not yet begun. How the monopoly, banks and the planned payment blocking fit together is explained on the page about the legal situation in Austria.

Declined or booked? After a refusal, many players still see an amount on their card account and fear a double charge. One forum user puts it this way: “Vielleicht sind es aber nur Vormerkungen und die Beträge werden dann doch nicht gebucht.” (“Maybe they are just pending items and the amounts won't actually be booked.”) A pending authorisation is a reservation on the card account, not a final booking. Only the card statement shows whether an amount was actually debited. A second deposit of the same amount before this is clarified only increases the total of open transactions.

When the card does not go through. Anyone who repeatedly cannot use the card has several routes in the AT cashiers that are listed in both directions: Revolut, MiFinity and bank transfer. Paying by bank transfer requires a €10 minimum deposit at Spinanga, Bassbet and Kingmaker, 10 EUR at Spinrollz and €20 at Lunubet according to the AT cashier; per deposit, the cashiers name €5,000. It is also the return route that Lunubet's terms explicitly name as the fallback when the deposit method is not available for withdrawals.

VWithdrawing to the card

The search query “casino auszahlung auf kreditkarte” has a clear answer at the five brands: Visa and Mastercard are listed in all AT cashiers for withdrawals too, usually as “Withdraw to Card”. The terms also state that withdrawals go via the same method as the deposit wherever possible. Anyone who deposited by card will therefore as a rule get the money back to that card; Spinanga, Bassbet, Spinrollz and Kingmaker reserve the right to use a different payment system.

Minimum withdrawal. For the card, Spinanga, Bassbet and Kingmaker name €10 according to the cashier, Spinrollz 10 EUR. At Lunubet the minimum withdrawal is €20 according to the AT cashier. Spinanga and Lunubet only pay out to accounts in the player's own name.

Two phases. For the duration, processing by the casino and booking by the bank have to be separated. Bassbet, Spinrollz and Kingmaker state 3 working days for processing by the finance department, Monday to Friday from 6–17 GMT, and Spinanga likewise 3 working days after the request; for Kingmaker, the cashier states 1–5 working days instead. For the second phase the information is thin: Bassbet, Spinrollz and Kingmaker only write that credit card transactions take somewhat longer because a bank processes them first. They give no specific time for the card.

Spinanga. For Spinanga, AskGamblers states 3–5 days for withdrawals to the card; the operator itself gives no time for this. On VIP level 1 the withdrawal limit is €500 per day and 7 €000 per month, on level 5 it is 1 €500 and 20 €000. All values of the brand are on the page about Spinanga Casino payment methods.

Lunubet. Lunubet deviates most in amounts and timeframes. Processing takes 72 business hours on VIP level 1 according to the terms, 48 on level 2 and 36 on levels 3–5, but four working days according to the FAQ. There is no information on the withdrawal time to the card. The limits start at 500 EUR per day and 7,000 EUR per month and rise on higher levels up to 5,000 EUR and 75,000 EUR. More on the page about LunuBet Casino payment methods.

Bassbet, Spinrollz, Kingmaker. At these three brands the withdrawal limits on level 1 start at €500 per day and €7,000 per month; Bassbet and Spinrollz name €1,500 and €20,000 for level 5. For Kingmaker, the values of 500 EUR and 7,000 EUR come from Casino.Guru.

Documents before the first withdrawal. At the latest with the first withdrawal request, the casinos ask for evidence on the card. Spinanga and Lunubet require proof that the payment method belongs to the player and the transaction history, such as credit card statements, usually for 1–3 months. Bassbet names credit or debit card statements, plus a certified ID and proof of address, with a deadline of 30 days and verification usually within 10 days. Spinrollz requires card statements with the same deadlines, Kingmaker bank or card statements, ID and proof of address within 30 days. At Spinanga, deposits and withdrawals can be blocked until verification.

VIChargebacks: what the ZaDiG regulates

Behind the search query “online casino kreditkarte zurückbuchen” there are two very different situations. In the first, the card was charged but the money never arrived at the casino. In the second, the player deposited, played and wants to reverse the payment afterwards. The Payment Services Act 2018 covers only part of this.

Debited but not credited. A player from Austria describes two deposits of €60 and €56 that were “von seiner Kreditkarte abgebucht, aber nicht seinem Konto gutgeschrieben” (“debited from his credit card but not credited to his account”). Documentation helps first here: the card statement, the bank's confirmation, date and amount. For a missing deposit, Spinanga asks for a screenshot of the transaction with name, account number and details. The steps that follow when a deposit not received is the problem are described on a separate page. All five brands offer contact via live chat and email; Spinrollz and Kingmaker state that support is available around the clock, Bassbet states 24/7.

Unauthorised payments. § 67 ZaDiG 2018 concerns payment transactions that the cardholder did not authorise, for example after misuse of the card details. In this case the payer's payment service provider must refund the amount at the latest by the end of the following business day. This obligation does not apply where justified reasons support a suspicion of fraud. A deposit that the player entered in the cashier and approved with the bank is, by contrast, authorised. The norms set out here name no separate right to reverse such a payment.

Claims for repayment. Austrian forums also feature the demand to get all deposits back. One player argues that with an unlicensed casino “all transactions are invalid and have to be paid back”. Another reports on law firms that take on such claims: “a legal firm can demand cashback, the legal firm will keep 35% of the money”. Both statements are forum voices. Whether and under what conditions such claims exist is not governed by the ZaDiG norms named here; they describe a route via the card's bank only for unauthorised payments.

The casinos' role. The casinos also look closely at refunds. Spinrollz checks the ownership of the payment method in such cases.

Alternatives with their own rules. Anyone who thinks of PayPal after the card runs into a gap at these five brands: PayPal is not listed in any AT cashier, neither for deposits nor for withdrawals. What the casinos say about PayPal and which alternatives are listed in Austria is shown on the page about PayPal at casinos. For the card, the distinction of § 67 remains: a refund for unauthorised payments, and no rule in this section for your own deposits.