Credit a deposit and pay a winner without a card in sight
The player funds in USDT or USDC, the balance credits your Paymos balance, and the moment a deposit confirms on-chain nobody can claw it back — so the chargeback ratio that gets a book fined under MCC 7995 never starts ticking. When your team clears a withdrawal, the payout leaves for the player's wallet in seconds, with no held-back reserve against your float. Licensing in each market stays with the operator.
Why iGaming runs into payment walls
One bad chargeback month can cost a book its acquirer
Gambling sits in the highest chargeback band on the card networks — far past the 1.5% ratio that triggers a Mastercard monitoring program — so a single bad month can fine a book or close its account outright. That risk gets priced in: the specialist acquirers that take MCC 7995 commonly land at 5–15% all-in once reserves and platform fees are counted, hold back a reserve against your float, and release winners' payouts on a multi-day cycle. Crypto gateways look cheaper until you read the fine print — a teaser near 0.5% that settles closer to 1.5–2% once swap, transfer, and merchant-paid network costs hit deposits and payouts both. Paymos closes a deposit on-chain instead: once it confirms it can't be reversed, so there is no chargeback ratio to police, no reserve, and one all-in rate on both legs. Licensing in each market stays with the operator.
What you get
Built for how a licensed operator actually settles
One backend handles the whole money loop: player deposits, payouts your team releases to player wallets, a single balance per stablecoin across the networks your players use, and a renewal invoice each cycle for season passes and VIP tiers.
No category code to refuse
Card networks read MCC 7995 and gate gambling before they ever look at your book; Paymos never touches card rails, so there's no category decline and no high-risk underwriting cycle. Onboarding is self-serve — an email and a settlement wallet — and Paymos doesn't vet your category, screen your licence, or hold a reserve against what you take. Once a deposit confirms on-chain it's final, with no chargeback to defend.
You release a payout, it lands in seconds
Clear a withdrawal and the payout leaves for the player's wallet on the next block — not a multi-day processor review. Your own AML checks decide when each one goes; Paymos moves it the moment your team does, charging no second processing fee on the payout, only a reduced network fee. Every payout is operator-initiated — wallets can't be pulled, so nothing moves until you send it.
One balance per stablecoin
A player deposits the same dollar stablecoin from whichever wallet and network they already use, and you hold one balance per asset regardless of where it came from — no forced conversion, no currency-conversion markup, no separate gateway per region. Same-token settlement means a dollar in is a dollar out.
Renewal invoices for passes and VIP
Season passes, monthly VIP tiers and other recurring products renew on a fresh invoice each cycle, paid from the player's wallet. Nothing is stored to expire and nothing auto-charges — the player approves each period's invoice, so a renewal can't fail on a lapsed card, and a player who wants out simply doesn't pay the next one.
Pick your operator shape
iGaming verticals we support today
Each vertical has its own deposit cadence, payout pattern and regulator. Pick the one that matches your licence.
Casino
Slots and table-game operators taking deposits and paying winners in stablecoins.
Sportsbook
Pre-match and in-play books that need a deposit credited fast and winners paid on settlement.
Poker
Cash-game and tournament rooms with buy-in bursts and fast cash-outs.
Fantasy sports
DFS contests and leagues with entries in and prize payouts out, no reserve on the pool.
Lottery
National, private and charity lotteries selling small tickets and paying winners.
Bingo
Online bingo rooms with tiny card buy-ins and monthly room passes.
Esports betting
Esports books collecting pre-match bets from a global, crypto-native audience.
Skill gaming
Skill-based contests where jurisdiction permits the model, with prize-pool payouts.
Crash games
Crash and instant-round games that need a tight deposit-to-cash-out loop.
Crypto casino
Crypto-native casinos running a stablecoin cashier without building the vault.
Prediction markets
Event markets paying out the moment the platform resolves the event.
What's inside
Everything a licensed operator's payments team needs
Player flows
- Per-player deposit addresses, one per channel
- Operator-initiated payouts to a player wallet with whitelist controls
- Renewal invoices for VIP, season pass and league fees
- Refunds as outbound transfers, on your own house rules
Operator infrastructure
- Hosted Checkout, Embedded Checkout and a host-to-host API
- Webhook bridge to your platform ledger
- Signed, idempotent webhooks keyed by your external id
- Sandbox that matches production for QA
Settlement and assets
- USDT, USDC and other major stablecoins
- One balance per stablecoin, whatever network the player used
- Same-token settlement — no forced conversion, no conversion markup
- 2-of-3 MPC signing on every payout — no single key, no single signer
Compliance and operations
- Licensing and geo-rules stay with the operator — Paymos doesn't rule on them
- Operator runs player KYC and AML independently — Paymos is not a KYC vendor
- Geo-restrictions and jurisdiction blocking stay the operator's responsibility
- An auditable trail for every deposit and payout
Other categories
Explore other Paymos solutions
Pricing
1.0% per settled deposit. No reserve, no payout hold, gas on us on the way in
The 1.0% on a deposit covers acceptance gas, sweep, and same-token settlement — no exchange markup, no currency conversion, no held-back reserve. On a payout Paymos takes nothing: you pay only a reduced network fee, less than the chain would charge you direct. High-volume operators qualify for a lower rate on request, down to 0.3%. Card-rail gambling acquirers commonly run 5–15% all-in with reserves and multi-day holds; crypto gateways advertise from 0.5% but settle nearer 1.5–2% once swap, transfer, and network costs hit both legs.
See pricing