Pre Paid Credit Card or not

Roseyetta2

Newbie member
Joined
Jul 12, 2020
Location
Kent UK
Hi,

So by definition, a prepaid Credit Card is a Credit Card, but for UK Gambling purposes, what is it? credit or Debit card?
Some sites will not allow deposits as its a Credit Card, some will as they say its a Debit Card.

I ask as I made a rookie mistake at the weekend and am having a "discussion" with a complaints team, would be great to have others thoughts on this.

Thanks
 

LadyJelena

CM Account Manager
Staff member
CAG
MM
Joined
Mar 18, 2012
Location
Serbia
Hey @Roseyetta2 and welcome to the forum :)

Interesting question, I'm sure some of our more experienced members will reply to you soon :)
 

jaytechnos

Newbie member
Joined
Jan 10, 2019
Location
Swedish version of Narnia
Prepaid cards look like credit cards and spend like credit cards but there's no credit behind them. They are technically
You do not have permission to view link Log in or register now.
– when you use them, you’re spending your own money, not the bank’s. Meaning it can be used to top up Skrill, Neteller and other wallets I would assume (as it's technically not a credit card).
 

Slottery

Senior Member
PABnoaccred
MM
Joined
Aug 21, 2017
Location
Malta
Are you referring to single use card which you can buy or use or some neo-bank what card you can top-up from your credit card? If credit card can be used for funding this card, it can considered as gamble with credit which is not ok.

We explained in the credit cards
You do not have permission to view link Log in or register now.
and in our
You do not have permission to view link Log in or register now.
that this would mean that operators could not accept any payment through an MSB unless the MSB has prevented the use of credit cards for gambling through their services. This includes, for example, circumstances where an MSB allows its customers to transfer funds from a credit card into a wallet or account which could then be used by the customer to make gambling deposits.

You do not have permission to view link Log in or register now.


That's article from UKGC about these services. If you clarify which type of payment card you're actually referring it would help to be more specific.
 

Roseyetta2

Newbie member
Joined
Jul 12, 2020
Location
Kent UK
Ahh, thanks for all the feedback, the link, very helpful, it is in essence a Credit Card, as its a pre pay Master Card and can be topped up using a Credit Card, So essentially cannot be used for UK gaming??
 

Davey86

What consumes your mind controls your life
MM
Joined
Feb 6, 2020
Location
Newcastle upon tyne
Some Pre paid debit cards have the same unique numbers for car rental purposes and other place that ask for imprint or copy of a credit card which does help if you don’t have a credit card, but as the identifying numbers/transactions are technically credit cards their is no middle ground with this it’s a credit card plain and simple especially for online casinos
 

PokCas

Full Member
webmeister
Joined
Apr 15, 2020
Location
Malta
A Credit Card which is not allowed to be used in the casinos is the one that hard to get and requires certain conditions in order to get credit (a balance which you will have to pay back).

I suppose normal British debit cards should be alright.
 

colinsunderland

Experienced Member
webmeister
MM
Joined
Jan 28, 2016
Location
uk
Ahh, thanks for all the feedback, the link, very helpful, it is in essence a Credit Card, as its a pre pay Master Card and can be topped up using a Credit Card, So essentially cannot be used for UK gaming??
Thats correct. Pre-paid cards have always had weird restrictions on them, like a lot can't be used to pay for petrol :confused:
 

Slottery

Senior Member
PABnoaccred
MM
Joined
Aug 21, 2017
Location
Malta
Ahh, thanks for all the feedback, the link, very helpful, it is in essence a Credit Card, as its a pre pay Master Card and can be topped up using a Credit Card, So essentially cannot be used for UK gaming??

If it's pre-paid card which you can top-up it shouldn't be accepted to gambling like mentioned behind that link, Revolut mentioned as one example. If you want to confirm which providers card it is, could give more educated guess, but spirit of regulation should be what's mentioned in article. I would guess there can some cards which go through in some places if they need to block them by BIN numbers (which can make it more difficult as there are so many providers for these cards these days), some companies who provide such card have restricted gambling transactions from their UK customers.
 

Roseyetta2

Newbie member
Joined
Jul 12, 2020
Location
Kent UK
Thanks, its an Optimum Mastercard, I've had mixed reactions from different sites, some do some don't, after I read the link above, I checked and I can top up via credit card, so assuming I shouldn't - which is a pain as thats why I originally bought it.
 

Slottery

Senior Member
PABnoaccred
MM
Joined
Aug 21, 2017
Location
Malta
Looks it shouldn't be accepted. There are so many of these type of services that there probably always are some which can be used. Operators should be blocking these but it can be bit challenging to be up to date of all providers, don't know how UKGC react to these in practice as blocking these all and be up to date about all services can be quite challenging.

If you have problems to control your gambling, best is not to get these kind of new cards to get around of these blocks. Your credit card can't be used for deposits so if you only want to be sure you don't gamble with it, getting these kind of cards don't really help with it but is more circumventing use of credit card. Getting new cards to deposit and then claiming them back when knowing what doing is not really cool.
 

Robert Rabbit

Newbie member
Joined
Jun 21, 2020
Location
UK
Hi,

So by definition, a prepaid Credit Card is a Credit Card, but for UK Gambling purposes, what is it? credit or Debit card?
Some sites will not allow deposits as its a Credit Card, some will as they say its a Debit Card.

I ask as I made a rookie mistake at the weekend and am having a "discussion" with a complaints team, would be great to have others thoughts on this.

Thanks

Given the propensity of online casino's to look for reasons not to pay you out I would be very careful trying to find a loophole in the UKGC direction. Do you really want to win that 4 or 5 figure sum to find out that not only do you have to go through verification and SOW but also to find out that regulation 2345, sub para 1, sub sub para 345 (printed in Calibri Font 2 ) states that you cannot be refunded to that card, but must have your money paid back to the original deposit method !
 

Slottery

Senior Member
PABnoaccred
MM
Joined
Aug 21, 2017
Location
Malta
If making any such refund request, be also aware to provide every possible part of your finances possibly can be requested, including credit card statements where all these top-ups do show to clarify these are funds used for gambling etc. If asking deposits to be refunded just because happened to lose when played, would really complete extended sow as possible as such refund could be categorized to be done with abuse purpose.
 

Roseyetta2

Newbie member
Joined
Jul 12, 2020
Location
Kent UK
I didn't use it to find a loophole! I have been using it for years now as a way of spending what I can afford. The law changed in April, which is a pain!
My issue was originally due to the site locking me out halfway through play, I then found out I had SE'd with one of their sister sites (usually I check licences before signing up- hence the rookie mistake) they offered to refund what was left on my deposit, but not the whole amount. So I decided to be belligerent and use the CC as extra annoyance for them.

However, thanks for the patronising tone- always appreciated.
 

Jono777

Meister Member
CAG
mm1
mm4
Joined
May 13, 2014
Location
Wolverhampton
IMO, the name says it all, PRE PAID, credit in any form does not enter the equation as there never is any!
 

Roseyetta2

Newbie member
Joined
Jul 12, 2020
Location
Kent UK
Thats the point, any surplus income that I want to use to indulge in Gambling could be transferred and used in any way I decide, I earn it! using a prepaid card ensures that in the event my details are compromised, my bank account remains safe, I may deserve a tin hat, but I try to be careful when purchasing anything online and this is my way of doing that.
 
Top