Stop a high-risk acquirer holding your float
Run the whole cashier on one stablecoin rail. Deposits credit your Paymos balance and can't be charged back, no acquirer parks a reserve against your category, and when your team clears a withdrawal the winner is paid in seconds.
What a casino cashier really costs on card rails
Why does the cashier cost so much before a single hand is dealt?
The bill stacks up four ways — issuers decline your category, the high-risk acquirer prices and reserves against it, crypto gateways quote a teaser, and disputes drag the dispute ratio.
Issuers decline your category before you can price it
Mainstream acquirers list online gambling as restricted, and issuers decline a large share of cross-border deposits on the category alone. A live licence in the player's market changes none of that — the refusal is a bank-side risk rule, not a verdict on you. Every declined deposit is a player who funded a wallet, reached your cashier, and bounced at the last step.
The high-risk acquirer prices and reserves against you
The specialists that do board a casino commonly land at 5–15% all-in once the held-back reserve and platform fees are counted. They hold a slice of every deposit for months against future disputes, and can freeze the balance with little notice. That reserve is your working capital, locked exactly when handle and payout demand peak.
A crypto gateway's "0.5%" isn't what you settle at
Other crypto gateways lead with a low headline, then layer on a swap markup, a transfer charge, and merchant-paid network gas — counted on the deposit and again on the payout. End to end, the real take often lands near 1.5–2% on both legs. The number on the pricing page is rarely the number that reaches your treasury.
Friendly fraud keeps the dispute ratio climbing
A card deposit can be reversed months later as "I never placed that bet" — the stake is gone, a per-dispute fee lands on top, and a drifting dispute ratio pulls surcharges or a card-scheme programme behind it. The handle you booked weeks ago is still exposed, so the cash you counted as earned was never fully yours.
The cashier on a stablecoin rail
What changes when the whole cashier runs on stablecoins?
Four things go right the moment deposits and payouts stop riding card rails and teaser-priced gateways — finality, an unencumbered float, one honest rate, and payouts you control.
The deposit is final — nothing to claw back
A stablecoin deposit never routes through an issuer that can decline your category, and once it confirms on-chain it can't be reversed. No "I never placed that bet", no per-dispute fee, no dispute ratio creeping toward a scheme programme. A goodwill or responsible-gaming refund stays your call, paid from your wallet on your house rules.
The float is yours — no reserve, no freeze
Every confirmed deposit credits your Paymos balance. There is no acquirer reserve or card-network payout cycle; timing follows the selected network and amount. The handle you take in is working capital you can deploy the same moment, even at peak.
One rate of 1.0% — no exchange markup, no second fee on payout
Paymos is 1.0% all-in and absorbs the inbound network gas, so the player's stablecoin lands in full. No exchange markup, no separate transfer charge, and no second fee stacked on the payout the way teaser gateways do. The player pays in a dollar stablecoin, you keep the same stablecoin, and the quote is the settle. Full breakdown in Pricing.
You approve a withdrawal, the winner is paid in seconds
When your team clears a cash-out, the payout broadcasts to the player's wallet and arrives in seconds — no acquirer review queue sitting on it for days, no banking-calendar gap. Your AML rules decide when each one goes; Paymos takes zero commission on the send and you pay only a reduced network fee, never a Paymos payout margin.
Wiring Paymos into the cashier
Which integration fits your casino platform?
Three ways to add a stablecoin deposit and payout flow to the cashier you already run.
Embedded Checkout — drops into the cashier UI
The player opens your cashier, picks "deposit in stablecoin," and an embedded panel handles the payment without leaving your domain. Your session, the player's verification status, and your balance ledger stay authoritative — Paymos handles the payment leg, nothing else. It sits beside your card and bank-transfer options as one more deposit method.
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Host-to-Host API — deposit and payout under your control
For operators running their own wallet ledger and game engine, the REST API exposes create-invoice, watch-confirmations, and signed-payout calls, with HMAC-SHA256 webhooks firing on every state change. A confirmed deposit credits the player; a cleared cash-out triggers a signed outbound transfer once your AML step passes. Sandbox mirrors production on the same code paths.
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Payment Links — VIP and host-assisted deposits
For a high-roller reload, a VIP host generates a one-off link in the dashboard and sends it over your existing channel. The player pays from any wallet, the funds credit your Paymos balance, and your cashier credits the balance on confirmation. No card number passed over chat, no banking-day wait on the wire.
See detailsCashier flows already running on a wallet
Which cashier patterns settle cleanly on stablecoins?
Four flows operators run today — the recreational top-up, the VIP reload, the payout on a win, and the monthly comeback.
Recreational top-up — Embedded Checkout
At deposit, the cashier creates an invoice for the amount selected by the player. Confirmation credits the balance after the chosen network satisfies its policy. There is no card-issuer decline or later chargeback on the confirmed transfer.
VIP reload — Payment Link
A large top-up from a high-value player. The host sends a one-off link; the player pays from an exchange withdrawal or their own wallet; your treasury credits within seconds and the cashier reflects it. The deposit clears the same moment, with no banking-day delay and nothing skimmed into a reserve.
Payout on a win — Host-to-Host API
The player wins, your engine resolves the round, and your AML rules clear the cash-out. Your system calls the payout API and a single signed transfer reaches the player's wallet in seconds — no multi-day review hold, no "where's my money" ticket, no churn from a slow cash-out.
Monthly comeback — renewal invoice
For a returning player who reloads each month, your system issues a renewal invoice and they pay it from their wallet — no card on file, no standing pull on the account. Each cycle is a fresh invoice the player approves, so stopping is just not paying the next one. Nothing auto-charges.
The casino cashier, answered
Frequently asked questions
Does Paymos require a gambling licence to onboard a casino?
Who handles player KYC and AML — Paymos or the operator?
What happens to chargebacks on a stablecoin deposit?
How fast do deposits confirm and payouts arrive?
How are payouts signed so one employee can't drain the treasury?
Is sandbox identical to production for the cashier integration?
Honest disqualifier
When NOT to use Paymos for a casino cashier
Four cases where a stablecoin cashier genuinely isn't the right fit.
Your contract demands automatic splits to studios
Paymos settles each deposit in full to a wallet you control — no sub-merchant accounts, no Connect-style split at the processor. If your platform deal requires a revenue share routed to each slots studio or aggregator automatically, that allocation stays in your back office; this rail won't carve it for you.
Wallet-funded play is barred in your market
Some regulators ban wallet-funded gambling outright, and some licences carve it out per sub-licensee. That's a real fit issue no rail can paper over — checking the condition before the cashier goes live is your obligation, and Paymos doesn't rule on it.
Your anti-fraud reads card fingerprints, not wallets
Multi-accounting and bonus-hunting checks built on BINs, card fingerprints, and issuer data go dark when the deposit arrives from a wallet. Paymos hands you the on-chain signal — source address, asset, amount — and nothing behavioural. Keep your fraud vendor and confirm it scores wallet deposits before you move volume across.
Your players have never held a wallet
An audience that has never touched a stablecoin won't set up a wallet to spin — what you save on fees you lose to funding friction. Run Paymos as a second cashier method for the crypto-holding and cross-border segment, and leave the card flow in place for the rest.
Related flows
Other iGaming & Betting sub-niches on Paymos
Pricing
1.0% per settled deposit, all-in. Inbound gas on us
The same rate on the recreational top-up and the VIP reload — no exchange markup, no separate transfer fee, no held-back reserve against your float. High-volume operators move to 0.3% on request. On a cash-out Paymos takes zero commission; you pay only a reduced network fee, never a second processing cut. Card-rail gambling acquirers commonly run 5–15% all-in with reserves; teaser crypto gateways quote from 0.5% but settle nearer 1.5–2% once swap, transfer, and gas land on both legs.
See pricing