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TOP-5 of banks supporting gambling transactions
Important from the doorstep
There is no single world "list of five banks": support for MCC 7995 transactions (gambling/betting) varies from country to country, from operator's license and even from a product within the bank. Today the bank can work with gambling in one jurisdiction, and tomorrow it can tighten policies or raise tariffs. Therefore, below are five bank profiles, which in practice most often support operations for legal operators when fulfilling license and AML/KYC requirements. This is a working optics for choosing a partner and setting up negotiations, and not a "carved in stone" list of names.
TOP-5 bank profiles where support is more likely
1. International acquiring banks from mature jurisdictions
Characteristic: they work in countries with developed gambling regulation (Great Britain, Malta, Gibraltar, individual states of the USA and the provinces of Canada, some EU countries).
What they give: clear requirements (copy of license, limits, transaction monitoring, RG/AML reporting), stable card processing, transparent tariffs.
What to watch for: The bank's experience at MCC 7995, cross-border readiness, SLAs and Dispute/Refund procedures.
2. Banks sponsoring large payment providers (PSP/Acquirer)
Characteristic: the bank is "behind" the well-known PSP/gateway, which already knows how to work with high-risk verticals.
What they give: fast connection via PSP, ready-made anti-fraud rules, tokenization, "push-to-card" payments, orchestration of several rails.
What to watch for: list of supported countries/licenses, merchant limits, recovery and chargeback solutions.
3. Regional banks in countries with legal betting and local rails
Characteristic: the bank supports local methods (for example, instant transfers, payment aliases, e-invoices) and is open to licensed operators.
What they give: high approve-rate according to local methods, low transaction costs, quick enrollment, loyalty to local licenses.
What to watch for: compatibility with your PSP/orchestrator, limits and behavioral triggers, requirements for a local company.
4. "Corporate" banks with separate high-risk commands
Characteristic: the bank has a dedicated risk office/committee for high-risk industries, understandable checklists and regular reviews.
What they give: predictability, the ability to coordinate non-standard flows (for example, high limits on cashout), understandable escalation.
What to look at: due diligence depth, reporting frequency, willingness to customize rules.
5. Neobanks/digital banks operating through partner acquiring
Characteristic: own acquiring is limited, but there are partner channels, modern-API and fast integrations.
What they give: flexible onboarding, fast webhooks/reports, good real-time risk tracking and payment tools.
What to look for: clear conditions on MCC 7995, a list of forbidden countries, limits and "gumbling blocks" (sometimes enabled by default for cards of individuals).
How to independently check if the bank "supports gambling"
Jurisdiction and license. Specify: the bank/acquirer works with the operators of your license (UKGC, MGA, local regulators, etc.).
MCC and product. Ask directly about MCC 7995 and related codes (lotteries, fantasy sports, betting). Check which of them the bank takes, on what terms.
Flows: deposits/withdrawals. Some banks only allow accepting deposits (AFT), others also allow payments (OCT/Visa Direct/Mastercard Send).
Limits and countries. Limit amounts/daily thresholds, excluded countries/regions, cross-border bans.
Data and reporting. Report format, webhook speed, idempotency, chargeback/dispute detail.
Responsible Games (RG). The presence of requirements for self-exclusion, player limits, monitoring of the "source of funds."
Sanctions/PEP screenings. Algorithms and frequency of checks who bears the responsibility of escalation.
What any bank will ask the operator (prepare in advance)
1. Licenses and service geography. Where you are legal and to whom you sell.
2. AML/KYC/RG policies. Documents, processes, personnel training, audit logs.
3. Technical architecture. Card tokenization, PCI DSS perimeter, anti-fraud (device-fingerprinting, behavioral scoring), logs.
4. Finmodel. Expected turnover, average check, share of cashouts, margin, risk reserves.
5. Support and disputes. SLA responses, mechanics of returns, share of disputed payments.
Risks often forgotten
Today-tomorrow politics. The bank may reconsider its attitude to the industry - lay down a multi-provider architecture.
Cross-border. High deviations and additional compliance. Prefer local rails where there is regulation.
APP fraud and mules. Strengthen behavioral anti-fraud, limits on new cards/accounts, "cool-off" for large cashouts.
Chargers and disputes. We need evidence-base protocols, correct descriptors, friendly-fraud monitoring.
Reputational risks. Working with gray zone banks increases transaction costs and the risk of sudden offboarding.
Practical bank/acquirer selection checklist
1. Map jurisdictions (where is the license, where are the customers, where are the settlements).
2. Select 5-7 candidates by profile above, not by "big name."
3. Prepare a risk dossier: fraud metrics, dispute share, RG tools, source of funds policy.
4. Request a pilot/PoC with real transactions and p95 enrollment time reports/approve rate.
5. Build a fallback scheme: backup acquirer, local alternatives (fast transfers/wallets), routing.
Mini-FAQ
Why can't you call the "top 5" by name?
Because support for gambling is a dynamic policy: it depends on the country, license, product, and even macro risks. The list quickly becomes outdated and misleading.
Which is more important: "big brand" or profile?
Profile. A large brand without high-risk competencies can be more expensive and tougher than a specialized acquiring bank with clear rules.
How to increase the approve rate without changing the bank?
Localize methods (fast translations/aliases), improve anti-fraud (fewer false failures), work with descriptors and retrays.
Can the MCC be "masked"?
No, it isn't. This is a violation of the rules of the networks and a direct way to close the merchant.
The idea of "TOP-5 banks" is tempting, but in reality it is not the list of names that wins, but the correct profile: jurisdiction with mature regulation, an acquiring bank with experience in MCC 7995, a reliable PSP sponsor, a local partner with fast rails and a digital bank with a strong API ecosystem. Evaluate candidates on these five profiles, conduct a pilot and keep a backup channel - this way you will get a stable payment infrastructure for gambling without surprises.