Online Casinos in the US Offering Apple Pay

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Online casino gaming in the US is something that first became available in 2013, and over the years, it has not seen the same boom as sports betting has in the world’s most developed economy. Still, the few markets that offer it in the US are seeing higher revenue numbers from allowing this activity compared to sports wagering. Hence, a lot of Americans are enjoying online casino play, and many are doing it at legal sites that accept Apple Pay as a deposit method. These players enjoy the speed at which they can fund their gaming accounts at Internet platforms, and how secure this process is via this payment method is for iOS device users. Thus, keep reading to understand what Apple Pay is precisely, if you already do not know, and why it is such a popular choice at American online casinos.

The Legality of Online Gambling in the US

Online gambling in the US has seen a dramatic rise post-2018, when the US Supreme Court ruled in the case of Murphy v. NCAA, which removed the federal ban on sports betting implemented through the Professional and Amateur Sports Protection Act of 1992. That allowed US states, not counting Nevada, which already had sports betting, to decide for themselves if they wanted to allow this pastime for their residents or not, including its online form.

Since that happened, the majority of the nation has chosen to do this, and now online betting on sports is widespread in the US. However, the same does not hold for online casinos. Internet gaming became a thing in the mid-1990s, when the island nation of Antigua and Barbuda passed its Free Trade and Processing Act, becoming the first place on the globe to legally allow companies to run online gambling businesses, including providing games of chance remotely.

In the mid to late 1990s and for much of the 2000s, many Americans took advantage of sites based in Antigua and other smaller countries or territories that also regulated Internet gambling. This especially held for foreign poker websites, which were all the rage and widely available in the US up until 2011, when the US government cracked down on them in the event known as Black Friday.

What was stopping states from legalizing online casinos in the US was the Interstate Wire Act of 1961, a law pushed through by Bobby Kennedy that aimed to curb organized crime by making it a federal felony for anyone to distribute gambling-related information across state lines using telecommunications systems. The Wire Act looked to cripple the mafia’s bookmaking operations, and it did.

Due to the fact that when the Wire Act got passed, there was no Internet, this law was interpreted broadly at the start of the digital age, and for the longest time, it was perceived that this law applied to all forms of gambling. Yet, in 2011, the Department of Justice chose to issue a new interpretation of it, saying that it only applied to wagering on sporting events. That reinterpretation meant that allowing online casino gambling and poker did not violate the Wire Act, and there was no effective ban on any state permitting these pastimes.

Delaware was the first to allow Internet casinos in the US, followed by New Jersey, both of which have authorized operators to run online poker hubs as well. That is something that is common for most regions that permit casino sites. The other parts of the US that have websites that supply casino-style games of chance are Michigan, Pennsylvania, Connecticut, West Virginia, and Rhode Island.

Residents of these sections of the country have the privilege to play video poker, live dealer games, lottery-style ones, as well as high-end slots from providers like Hacksaw Gaming and NetEnt, from anywhere at any time, and they can fund their gaming adventures using Apple Pay. Most US-based operators let Americans deposit using this method, looking to accommodate the many US gamblers who use iPhones, Macs, and iPads to partake in casino gaming online.

In the next section, we will give you the essentials of how to get started with Apple Pay, so that you can utilize this transaction service to make swift deposits, which require little effort in USD, across established US online casinos.

Why Start Using Apple Pay at a US Online Casino?

The growth of regulated online casino gambling in the United States is not something that has been developing as planned, as many states are still wary of legalizing this hobby, probably on account of their lawmakers seeing it as potentially more dangerous than sports betting. That belief primarily stems from the speed with which gaming rounds occur, meaning that individuals who are impulsive can lose money with this activity much faster.

Apple Pay, which is not an e-wallet but a transaction service, became widely available in the United States in October 2014, and today it stands as one of the more highly accessible deposit methods at major US sportsbook and casino websites. That is something that holds, in particular, for ones in Michigan, Pennsylvania, and New Jersey.

The wide availability of this payment method should not come as a surprise to anyone, as more than 85% of US retailers allow it. Though it must be highlighted that despite its pre-launch hype, following a few years of development, initial adoption of Apple Pay in the US was slow. The main reason for this was that the US was lagging behind when it came to contactless payment adoption compared to many European countries. Therefore, in the first two years following its launch, only 9% of iPhone users had activated this service.

Nowadays, estimates claim that more than sixty million Americans use it. For gambling, its enticement lies in that it reduces the risk of fraud and chargebacks through its tokenization system, which adds another layer of security. Moreover, this is a native, one-touch payment solution that integrates smoothly into the iOS ecosystem, and starting with it begins with adding a debit/credit card to an Wallet App, which is featured by default on Apple devices.

Tokenization lets users send money to merchants without having to share any of their card data, which has been encrypted in a special way that can only be deciphered by payment processors. The chief problem with Apple Pay for online gambling is that it is customary not permitted for withdrawals, something that is owed to its technical architecture, as this service has been optimized for sending funds, and not receiving them.

Hence, for payouts, Apple Pay players must opt for alternative withdrawal choices, like a bank transfer, an e-wallet such as PayPal, or even a physical check. Though it must be said that there are US-based gambling sites that let users take out funds through Apple Pay, that is only possible when the user's account is connected to a debit card that was used for depositing, adhering to the closed-loop policy that most platforms mandate.

Still, Apple Pay, for now, by and large, gets used as a deposit-only solution, and continue reading to discover how you can take advantage of its perks to add funds in your chosen US online casino, and test your luck there playing its house games.

How to Deposit and Withdraw Across US Online Casinos with Apple Pay?

It is paramount to highlight that not all US casino sites facilitate Apple Pay deposits. The integration of this payment method varies slightly by state and operator. Nonetheless, leading operators have adopted it, and they prominently feature the Apple logo in their Cashier sections. Accordingly, if you spot it on an online casino homepage footer, it should also be offered in the Banking window.

Naturally, you should not gamble at just any old platform. You should find one that meets your preferences, and you do that by choosing a licensed site operating in your state, evaluating its game variety, bonus offers, mobile app quality, and customer reviews to see how happy other people are with it. Once such an Apple Pay casino has been discovered, you will need to follow these steps:

  1. Register with your selected brand and ensure you are logged into your account.
  2. Open its payment section and locate Apple Pay there, picking it from the list of offered options.
  3. Input how much money you wish to add to your site balance.
  4. Confirm the transfer using your preferred authorization method, such as Touch ID, Face ID, Optic ID, passcode, or PIN when prompted.
  5. Examine to see if the funds have been credited to your casino account, something that usually happens instantly.

iPhone players have the ability to deposit funds through Apple Pay in seconds, and the speed and simplicity with which this transaction option does this, along with the privacy protection it offers, is why so many opt to use it. Plus, it does not charge any fees on its end.

When it comes to withdrawals, availability depends on the operator, but in most cases, you should not get your hopes up that a US online casino will allow Apple Pay payouts. Consequently, you will have to getready to take out any potential winnings you may earn at your chosen site with another transaction method. Most gamblers go for an alternative method like an e-wallet or bank transfer. The latter offers slower processing times than something like PayPal, but it is a secure choice that many are familiar with, and funds withdrawn through a bank transfer will land in the same bank account linked to the card used for depositing via Apple Pay. So, that is a reason to use this option as well.

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Written by ShellyS

Senior Content Writer

Expert On: Casino Banking reviews Gambling Regulations US Sports Betting

8 years of experience
497 Written reviews
Shelly has been writing for LCB since March 2018, with a strong focus on banking reviews. Her work helps players understand payment methods, fees, limits, and transaction processes across various casinos. She also covers gambling regulations, offering insights into licensing and player safety. Her goal is to deliver trustworthy, well-researched content that supports smart, secure gambling decisions for players and LCB members.

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FAQ's

Is it legal to gamble online in the US?

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Can American players access international online casino sites?

This depends on the state, as different states have different opinions about their residents using offshore sites. Most do not criminalize this behavior, letting residents freely use these platforms, but a few explicitly ban this type of behavior. However, these regions are too unlikely to take legal action against those who access such sites.

Is Apple Pay offered across many US-catering online casinos?

The answer to this question is yes. Though there is no universal support for Apple Pay at US online casinos. There are regulated sites in the country that do not feature this payment method in their Banking sections. Most top brands do have it, and a few even support direct withdrawals back to Apple Pay, something that many hope will become gradually more common.

Is Apple Pay safe to use at regulated US online casinos?

Yes, it is super safe. In fact, for Apple customers, Apple Pay may be among the safest payment options available, if not the safest. That is so because it combines tokenization (replacing card details with unique codes), biometric authentication (Face ID/Touch ID), and device encryption. Those are state-of-the-art security protocols.

Why is it unlikely for US online casinos to offer withdrawals using Apple Pay?

One of the main allure of Apple Pay, the intentional obscuring of card details, is also a reason why this method is problematic for casinos, as it complicates casinos' meeting auditor and regulator source-of-funds and AML regulations. That is why operators prefer to direct customers to use other payment options for taking out funds from their accounts.
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