How the casino integrates new payment methods

The new payment method is an increase in deposit conversion, better localization and less friction on mobile. But in iGaming, implementation is not "connect the SDK." We need legal cleanliness, stability of the cash register, protection against fraud, connectivity of money with games and clear exploitation. Below is a working roadmap.

1) Why add new methods

Conversion and LTV: The familiar local method boosts FTD and repayments.

Cost: Fees and fixed fees are lower than universal methods.

Risk: lowering the chargeback rate (for example, at pay-by-bank) and 3DS failures.

Jurisdictions: compliance with local requirements (SCA, limits, regional rules).

2) Selection of supplier: criteria

Coverage of geo/banks/currencies, support for Apple/Google Pay, APM (e-wallets, vouchers, pay-by-bank).

Features: REST/gRPC, webhooks with HMAC and anti-replay, SDK for web/iOS/Android, tokenization, 3DS2/SCA.

Reliability: uptime and public status pages, DR plans, authorization speed (p95).

Compliance: PCI DSS (for cards), ISO 27001, pen test reports, GDPR/DPA.

Finance: tariffs, refunds, payment terms, deductions, chargeback procedures.

Operations: SLA, support, local requirements on KYC/KYB.

3) Integration architecture (in general terms)

Checkout UI: method selection, amount, currency, redirect/SDK, statuses.

Payment Gateway/Router: geo/currency/risk/cost routing rules; failover to alternative PSP.

Wallet (PAM): accounting 'debit/credit', RG limits, connection with 'round _ id'.

Anti-Fraud/AML: scoring before/after authorization, velocity, graph signals.

Webhooks: final statuses, HMAC, deduplication, retrays.

Reconciliation: daily PSP auto-verification ↔ wallet.

Observability: tracing, deposit/output p95 dashboards, fail-rate 3DS/SDK.

4) API Contracts: Minimum Set

'POST/payments/init '- create an intention (amount, currency, method, idempotency_key).

Redirect/Deep Link/SDK - SCA/3DS/biometrics.

Webhook 'payment.' - final status ('captured/failed/refunded') + 'event _ id', 'timestamp', HMAC signature.

'POST/wallet/credit '- enrollment for the final;' POST/wallet/debit '- confirmed conclusion.

'GET/payments/: id '- idempotent status acquisition.

'POST/payouts/init '- output request with risk/vager checklist.

Rule: the balance changes only for the final webhook after checking the signature and idempotency.

5) Security and privacy

TLS 1. 3/1. 2, HSTS; IP-allow-list/mTLS for server-to-server.

Tokenization for cards/wallets; hosted fields/pages - decrease the PCI perimeter.

Webhooks: HMAC signature, 'timestamp '/nonce, deduplication by' event _ id ', delivery log.

GDPR: PII minimization, retention, DSR, access audit; masking in logs.

Secrets: KMS/Vault, rotations, no code/config.

6) Antifraud/AML when adding method

Pre-auth filters: geo/ASN, behavior, device fingerprint, velocity, pass-through patterns.

ML/graph: general cards/wallets/devices, repeated chargebacks, multi-accounts.

Post-auth: quick withdrawal after a large deposit, rare PSPs/banks, cancellations.

Step-up KYC: for medium/high risks (address/SoF/EDD).

Money idempotency: 'Idempotency-Key' + unique 'txn _ id' on each hop.

7) UX and box office conversion

Auto-detect countries/currencies, sort methods by success.

Mobile wallets and Pay-by-Bank - in the first positions; minimizing input fields.

Clear statuses and errors, save the context when returning from the bank/redirect.

Availability: large elements, contrast, screen readers, locales.

Transparency: Commissions, ETA findings, bonus wagers.

8) QA and Certification

PSP sandbox: positive/negative scenarios, timeouts, cancellations, returns, multiple webhooks.

Load tests: peak authorizations/webhooks, persistence of idempotency.

Failover: simulation of PSP degradation and route switching.

Security: dependency scans, secret scan, box office pen test (minimum gray-box).

Regulatory: compliance with local rules and T & C/Privacy/Cookie texts.

9) Launch: Canary and Feature Flags

Fichflag method: include 1-5% of traffic in target countries/ASN.

Monitoring: p95 deposit/output, success of authorizations, 3DS-fail, error-rate SDK, chargeback/refund.

Rollback plan: Hide method/route instantly without release.

Communication: statuses and ETA in support, training agents.

10) Convolution and finance

Daily auto-verification: amounts/commissions/PSP refunds ↔ wallet; discrepancies - in cases.

Separate analytics by methods: cost of success, fault tolerance, speed, share of manual reviews.

Chargeback/dispute reports with SLAs and causes.

11) Success metrics

Deposit conversion (by method/bank/device/country).

Time of deposit/output p50/p95.

Fail-rate 3DS/SCA/SDK and timeout rate.

Chargeback/Refund rate, pass-through (quick output).

Share of Manual Reviews, TTV KYC.

Uptime PSP and share of the failover.

Cost per success and ROI by method.

12) Typical errors

The balance changes to webhook. Leads to doubles and disputes.

No 'Idempotency-Key'. Network failure replays create a second transaction.

Webhooks без HMAC/anti-replay. Status substitution and fraud.

Ignoring local requirements. Non-compliance with limits/texts - locks/fines.

One PSP "for everything." During degradation - a drop in conversion.

Lack of auto-verification. "Quiet" discrepancies have been accumulating for months.

Twisted WAF. Blocks redirects/SDKs and breaks UX.

There is no degradation plan. In case of failure - a queue of tickets and evil traffic.

13) Implementation checklist (save)

Vendor selected: coverage, SLA, compliance, cost
API contracts and status schemes agreed
Idempotency: 'txn _ id', 'Idempotency-Key', sagas/compensations
Webhooks: HMAC, 'timestamp '/nonce, logs and deduplication
Tokenization/hosted fields, PCI DSS scope reduction
SCA/3DS2, PSD2/Open Banking (where available)
Anti-fraud/AML before and after authorization, step-up KYC
Load Tests and PSP Sandbox, Box Office Pen Test
Canary release, feature flags, rollback plan
PSP auto ↔ wallet, chargeback reporting
Dashboards: p95 deposit/output, fail-rate, uptime PSP
Support training, updated T & C/FAQ

14) Mini-FAQ

Do I always need to 3DS/SCA? For cards in the EU, yes; for APM depends on method and jurisdiction.

How much PSP to hold? At least two to key markets, with a smart router and quality metrics.

Where to store cards? PSP via tokenization; storing PAN yourself is expensive and risky.

Can withdrawal be accelerated? Yes: pay-to-source-of-funds, anti-fraud scoring, queues and SLAs with PSP.

What to do with "stuck" statuses? Idempotent repeated requests, repeated webhooks, reconciliation and case investigation.

The integration of the new payment method is a project at the intersection of jurisdictions, security and high-load engineering. Success is ensured by a combination: the correct choice of PSP, strict idempotency and protective webhooks, anti-fraud/AML, auto-verification, observability and phased release. This approach gives an increase in conversion without increasing risks - and turns the cash register into a stable, scalable circuit.