In today’s complicated times for USA online casino players, sometimes getting a payout requires a lot of arm twisting and perseverance. Even the USA facing online casinos with the BEST reputations can take time, have clerical errors, or simply not have the money on hand to make a transaction. This makes playing online casino games a bit dubious for USA online casino customers: if they lose their money, there won’t be any problems; but if they win money, it will take days – if not weeks – to get paid.
Why are payouts from USA facing online casinos such a royal pain?
- Poorly financed casino operations – It’s no secret that most offshore online casinos accepting USA players are poorly financed. Essentially, they have very little operating cash, just enough to pay employees, gaming licenses, and server costs. Even the best USA online casinos struggle to keep a solid flow of liquid cash moving through their businesses. While these sorts of difficulties are more problematic in the sportsbook market, some online casinos literally “fly by night” when it comes to finances. This doesn’t mean they’re out to screw players. It just means that they have MANY bills to pay and sending money to winning players is often last on their list of priorities.
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- Problems with credit card processing – The most convenient way to deposit is using a credit card. Setting up an e-wallet account can sometimes prove difficult and often requires a lot of paperwork. On top of that, you must also verify if your bank will accept inbound transactions from a particular e-wallet, because many banks like to avoid anything vaguely related to online gambling altogether. Cash transfer options like Money Gr@m and Western Uni0n usually don’t allow high limit transactions, which leaves bank wire as the only viable option. Gamblers want to gamble immediately, not 5-7 days from now. As a result, bank wires are used as a last resort for most patient casino players.
One would think collecting payment from credit card processors would be a relatively easy task: send a bill for all funds due, subtract processing fees and commissions, and then transfer the money to the casino’s bank accounts. In reality, this isn’t the case. Many credit card processors that accept USA players operate in a legal grey area. They are basically “tricking” the customer’s credit card company into allowing money to be sent to a casino, instead of an actual coded transaction. Because of the need to do things on the down low, credit card processors can’t pay casinos right away. They have to wait 2-3 weeks into the following month to allow funds to settle in their accounts before transferring money to an online casino. Inevitably there will be voided transactions and chargebacks that the processor would rather not absorb, so they always play it safe. In some cases, criminal credit card processors will simply keep a casino’s money and never pay it at all. The result: the processor escapes with a ton of cash and the online casino is left holding the bag.
- The “Money Shuffle” and currency conversions – Let’s suppose a casino is well financed and does have reliable credit card processors. They’re not out of the woods yet. Money must be transferred around the globe before online casinos can pay their players, particularly if those players are from the USA. USA banking law and strict European anti-money laundering regulations often mean that a casino’s credit card processor collects deposits in Cyprus, then wires funds to an account in Malta, then transfers money to the UK, and finally gets a wire transfer disbursed to their actual location in Antigua, Costa Rica, or Panama. We at Jaxcasinos.com call this the “Money Shuffle” because it’s a dance every casino does on a monthly basis to keep their finances in order. Of course, these complicated banking situations also mean players can’t get paid winnings right away.
What can be done about a casino that doesn’t pay me my winnings?
First off, you’re going to need to be patient. USA facing online casinos with the best reputations often need some leeway when it comes to paying players, and this means inevitable delays and clerical mistakes. Be prepared to wait up to three weeks for a payout from most casinos, even those with a stellar reputation.
Second, be persistent. That means stubborn 🙂 . If a casino hasn’t sent you your money, call them every day and remind them that you’re waiting. Don’t forget to tell that you’ve been a regular customer for X months or that you’re part of the VIP program if applicable. The squeaky wheel gets the grease. If you don’t pipe up about money owed, the casino might “forget” or “misplace” it until the next month. Finally, you might get the commonly used explanation that “we’re also delaying payments to other players so you’re not alone and should wait”. This is a lousy excuse. It deflects blame from the casino and attempts to tug at your heartstrings and suffer like the rest of the crowd. This isn’t how business is done. If you’re owed money and it is past due, you MUST get that money, regardless of the feelings of other players or excuses made by the casino.
Third, setup an e-wallet account if you don’t have one already. Yes, it can be a hassle and sometimes a waste of time of your bank doesn’t accept an e-wallet’s money; but if you’re successful it means payouts are MUCH easier to receive from the casino. Instead of waiting for funds to clear at a casino’s bank followed by an international letter containing a paper check, casinos can simply type in the money you’ve won and click “send” and it will appear instantly (in most cases) in your e-wallet account. This process is similar to paying someone by Paypal, except the money originates from a foreign bank. E-wallets make things a lot easier for both sides.
Finally, if you’ve kicked and screamed and still haven’t received a payout, visit a casino affiliate forum. It’s free to join these forums. Then, find the appropriate place to post “XYZ casino has not paid me” note. Casino affiliates and casino affiliate program managers regularly visit the top forums to take care of any potentially damaging PR. If a player is complaining that they haven’t be paid after doing everything they possibly could to get the money, that reflects poorly on the casino and means it will lose business.
Some casino affiliate forums even have designated staff that have inside contacts at top online casinos. In most cases disputes can be resolved in a few days, in which case it is proper etiquette to update your complaint thread with a “I got paid” message.
Our final word of advice: don’t play at lousy casinos with poor reputations, no matter how much bonus money they throw at you. There are plenty of shady USA facing online casinos that are nothing more than con-artists looking for a quick buck. Before spending any of your hard earned cash at an online casino, do a simple Google search for any complaints, reputation issues, and payout reliability. This litte bit of due diligence will save you a TON of trouble later on.
Good luck from Jaxcasinos.com!