Payment methods: bank cards, Skrill, EasyPay, cryptocurrencies

The Bulgarian iGaming market operates according to European standards: licensed operators are connected to the NRA fiscal monitoring and are required to apply KYC/AML, 18 +, limits and RG tools. On the payment side, this is expressed in support of four popular rails: bank cards, Skrill, EasyPay and cryptocurrencies (through regulated on/off-ramp providers). Below - how each method looks in terms of speed, commissions, limits and convenience.

1) Bank cards (Visa/Mastercard)

Where used: deposits and conclusions from all major operators (Efbet, Winbet, Palms Bet, Sesame, etc.).

Security: PSD2/3-D Secure, tokenization, anti-fraud filters; transactions are visible on your bank statement.

Speed:

Deposit: instant/up to a few minutes.
Conclusion: usually T + 0/T + 1 after account verification (sometimes longer due to the issuing bank).
Commissions: often 0% from the operator on the deposit; cash out - at the merchant/bank rate (usually minimal).
Limits: depend on account status and RG settings; for new customers - more conservative.
Pros: the most familiar and fastest entry; bonuses are often available only with a card deposit.
Cons: bank restrictions on MCC, visibility of transactions in the statement are possible.

Practical advice: immediately include limits on deposits in your personal account - this helps to pass compliance and control the budget.

2) Skrill (e-wallet)

Scenario: quick deposits/withdrawals without "glowing" bank details; convenient for frequent small transactions and for players who separate the "game" and "main" wallets.

Speed:

Deposit: Instant.
Conclusion: more often T + 0/T + 1 after KYC at the operator and in Skrill itself.
Fees: depend on Skrill account status; operator more often 0% for input, output - symbolic fix/percentage.
Limits: rise with verification level in Skrill; at the operator - according to the RG/KYC profile.
Pros: fast cashout, convenient mobile UX, promo support for many brands.
Cons: certain restrictions on bonuses are possible (sometimes a welcome bonus is not available on the first deposit through a wallet - check the rules of the promotion).

Life hack: keep verification with both the operator and Skrill - this speeds up conclusions and reduces the risk of manual checks.

3) EasyPay (cash and vouchers)

What is it: the Bulgarian offline network of cash desks and payment points, which allows you to replenish your account in cash and receive payments. Often integrated with your personal account: you generate a code/receipt - you pay at the EasyPay point.

Speed:

Deposit: instantly after payment at the checkout.
Conclusion: usually on the day of the request after the approval of the operator (receipt of cash by code and document).
Commissions: fixed/minimum percentage of network tariffs; operator - usually 0% per input.
Limits: depend on cash register and KYC level; large amounts may require additional verification.
Pros: convenient for those who prefer cash, or do not want to "shine" the card; suitable for tourists in season.
Cons: binding to the opening hours of points, limits on a one-time operation, the need to present a document.

Important: for payments through EasyPay, the operator's account must be fully verified (passport/ID).

4) Cryptocurrencies (through regulated providers)

Status: allowed through licensed on/off-ramp partners with full KYC/AML, reporting and conversion to fiat on the PSP side. Direct transfers to operator addresses without an intermediary are generally not supported.

Speed: blockchain enrollment can be fast, but a balance sheet loan occurs after network confirmations and reporting records at the PSP → usually from a few minutes to an hour. Output - similarly, with conversion.

Commissions: network + provider margin; the resulting costs depend on the network (BTC, ETH, stablecoins) and PSP rates.

Volatility: when converting to fiat, the exchange rate is fixed; timing and network are important for the player (stablecoins reduce price risk).

Pros: fast cross-border operations, convenient for foreigners in season.

Cons: strict compliance, limits on the amount/frequency, increased attention to the source of funds.

Recommendation: use stablecoins from a supported provider and pass the extended KYC in advance - this will speed up the cashout.

5) Comparison by key parameters

Parameter	Cards	Skrill	EasyPay	Cryptocurrencies (via PSP)
Deposit	Instant	Instant	Instant (after cash)	Minutes-hour (networks/conversion)
Conclusion	T+0/T+1	T+0/T+1	On the day of approval	Minutes-Hours (Nets/ACC)
Commissions	Low/0% per entry	Depends on status	Small fix/percentage	Network + PSP margin
Convenience	Very high	High (mobile)	High offline/cash	High cross-border
Statement privacy	Low (bank visible)	Average	High (cash)	Mean (KYC in PSP)
Bonus compatibility	Usually complete	Sometimes restrictions	Usually complete	According to the operator's rules

6) KYC/AML и Responsible Gaming

KYC: Passport/ID, sometimes selfie verification and proof of address.

AML/finmonitoring: controlling the source of funds, especially for large turnovers and crypto operations.

RG tools: personal limits on deposits, rates and time, "time out," self-exclusion.

Tip: Set up limits as soon as you sign up - this will speed up checks and keep your budget under control.

7) Typical method selection scenarios

Quickly log in and receive → bonus card.

Frequent small deposits/withdrawals, mobile focus → Skrill.

Cash, no card/wallet → EasyPay.

Cross-border payments/tourists, stablecoins → crypto through the provider.

8) Best practices for quick payouts

1. Complete the full KYC at the operator (and at Skrill/y PSP).

2. Keep the same method for I/O if required by rules.

3. Avoid "crushing" many small leads in one day.

4. Check the terms of the bonuses: sometimes you need a certain vager for cashout.

5. With crypto - choose a stablecoin and a network with a low commission/quick confirmation.

In Bulgaria, the iGaming payment ecosystem is flexible and legal: from familiar cards and Skrill to cash via EasyPay and crypto-relay from regulated providers. Choose a method for your scenario - speed, convenience or offline cash - and be sure to use KYC + limits to keep the game comfortable and safe.