I don't see this at all. Either you're verified or you're not. Due diligence should be exercised and player credentials established at FIRST KYC stage. Once verified to receive cash-outs you should be verified for £30 or £30,000.
You cannot have a 2-tier system that works like this:
"The player seems to have passed checks so we can pay him accumulated withdrawals of over £3k or any amount not exceeding £15k."
(Then the player wins £38k)
"Ermm...well that's convenient, we can add another layer of BS to delay things and asked for notarized ID, despite the player being OK for £10k of withdrawals in the last year. What? He's failed notarized checks? Oh dear! We'd better report ourselves to the authorities for paying all the previous £10k to him over the last year."
What bollocks. It's still a tactic usually reserved to be abused by Playtech/Crypto casinos when players win big, or other rogue outfits. Send your personal notarized ID to a shack in some remote Pacific island which will takes weeks, and by then hopefully you'll have reversed your w/d, or been so put-off and disheartened that you didn't even bother sending the notarized and reversed it anyway.
Plenty of players here have won amounts far larger and been paid quite fast without additional requests for notarized.
Obviously they have, and it seems so do many other casinos. Some don't even verify at all until the magic figure of around €2000 is hit.
The problem for players is that the advanced verification stage is managed in such a way that the player is pretty sure they have been branded a fraud by the casino, and thus they are asked to jump through the most ridiculous hoops after which they feel the casino will find a set of reasons for not paying. The attitude of support staff can add to this impression by being deliberately "unhelpful" to the player during the process.
Verification is SUPPOSED to be a "one time only" process, and this is how it is sold to players (even if this is wrong). If it's NOT a "one time only process" due to the way the regulations work, then don't manipulate players into thinking it is through slick marketing and vague guides on the website. If players are properly informed from the outset, then these advanced verifications for the bigger wins would not create such a negative feeling among players.
We are also being deliberately mislead over the issue of notarised documents. We are constantly being told that this is "very rare", and left with the impression it isn't something to worry about. Yet from the posts in the forum, requests for notarised documents are far from rare, in fact it's becoming commonplace, especially when larger wins are involved. Perhaps if players knew the truth about what the regulations require, they would be deterred from playing from fear that they will not be able to pass through the process easily.
Currently, it's being sold as the simple process of sending in 1x photo ID and 1x proof of address, and if used, back and front of any card. This is also being sold as a simple process that the player can manage on their own with a camera or scanner, rather than something that will require them to get in touch with their local lawyer/notary office, bank, employer, etc.
It seems to be that the current system is no longer fit for purpose because it has so many loopholes for the fraudsters to attack that the process has become near impossible for many genuine players who put through enough money to trigger the "advanced" stage of compliance.
The more exacting requirements for a scanned document are due to previous attacks by fraudsters, and now it seems that casinos are favouring photos over scans, whereas in the past, scans were preferred with photos often getting rejected for being "unclear".
I don't buy that the paying OUT of a big win has much to do with "money laundering". It's the amount of money that goes IN that matters, so advanced verification should really be triggered once a set amount has been deposited regardless of the outcome, rather than when a significant big win is withdrawn.
Despite the claim that banks are less heavily regulated, it seems they don't open accounts purely through email. They usually post out a form that must be filled in and sent back (proves you live there if you received it and sent it back). If they need to see your ID documents, you have to go into a branch and show them, not take a photo of them and email them to the bank. If not, you have to POST the documents, either the original or "certified copy" to the bank's HQ. UK banks will use electronic verification for most UK residents, so often we don't realise the extent to which we are checked.
Casinos are still in the "stone age" when it comes to the KYC process as they STILL rely on players making their own scans or photos of the documents, and simply emailing the files to the casino. It's hardly surprising therefore that the fraudsters have seen them as an "easy target". It also seems that they are heavily reliant on the document itself, and lack the ability to undertake checks based on the information shown on the document, such as checking with the utility company that a bill is legit, or with a bank that the account is legit. If they were cross checking the information, they would not have to worry so much about the quality of the document reproduction itself, as any made up information would be picked up when checking with the utility company or the bank.
For UK players at least, addresses can be validated too, via an electoral roll check. Unless a player has moved house within the last year, this should be an accurate check, and it's better than a utility bill as EVERY adult in a house is listed and validated, not just the bill payer.
I also wonder why casinos don't take the very simple approach to address validation of sending out a letter (with a unique code) to the player at their registered address, and requiring them to enter this code in order to validate that they actually live there and can receive post. No amount of photoshopping expertise can overcome this obstacle to getting away with using a false address.
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