All betting site payment methods compared
The table below covers every payment method available at recommended licensed US sportsbooks. All deposit speeds listed are for standard transactions at licensed operators. Withdrawal speeds reflect typical processing times after the sportsbook completes its internal review, which can add 24 to 48 hours to any payout regardless of method.
| Payment method | Deposit speed | Withdrawal speed | Min deposit | Available at |
|---|---|---|---|---|
| PayPal | Instant | 24 to 48 hours | $5 to $10 | BetMGM, FanDuel, DraftKings, Borgata |
| Visa | Instant | 3 to 5 business days | $5 to $10 | BetMGM, FanDuel, DraftKings, bet365, Borgata |
| Mastercard | Instant | 3 to 5 business days | $5 to $10 | BetMGM, FanDuel, DraftKings, bet365, Borgata |
| Debit card | Instant | 3 to 5 business days | $5 to $10 | BetMGM, FanDuel, DraftKings, bet365, Borgata |
| Venmo | Instant | 24 to 48 hours | $5 to $10 | BetMGM, FanDuel, DraftKings, Borgata |
| Apple Pay | Instant | Near-instant to bank-dependent | $5 to $10 | BetMGM, FanDuel, DraftKings, Borgata |
| Bank transfer | Instant (ACH) | 3 to 5 business days | $10 | BetMGM, FanDuel, DraftKings, bet365, Borgata |
| American Express | Instant | 3 to 5 business days | $10 | BetMGM, DraftKings, Borgata, bet365 |
| Skrill | Instant | 24 to 48 hours | $10 | Borgata, bet365 |
Payment methods explained
Every payment method listed above has different strengths and trade-offs. The sections below explain how each one works at licensed US sportsbooks, what to watch out for, and which operators accept it.
For a full breakdown of any method including step-by-step deposit and withdrawal guides, sportsbook-specific limits, and bonus eligibility, follow the link in each section to the dedicated page.
PayPal
PayPal is the most popular e-wallet at licensed US sportsbooks and consistently the fastest standard withdrawal method available. Deposits are instant and withdrawals typically arrive in your PayPal balance within 24 to 48 hours of approval, compared to three to five business days for card withdrawals. Your bank account details are never shared with the sportsbook since the payment routes through PayPal's network.
A PayPal account linked to a US bank account or debit card is required. PayPal deposits qualify for welcome bonuses at all operators that accept it. Available at BetMGM, FanDuel, DraftKings, and Borgata.
Full PayPal sportsbook guide →
Visa
Visa is the most universally accepted card payment method at licensed US sportsbooks. It works for both deposits and withdrawals, with deposits processing instantly and withdrawals arriving within three to five business days. No separate account is needed since most US bank accounts come with a Visa debit card as standard. Visa deposits are eligible for welcome bonuses at all operators that accept it.
Note that licensed US sportsbooks accept Visa debit cards, not credit cards. Available at BetMGM, FanDuel, DraftKings, bet365, and Borgata.
Mastercard
Mastercard debit is accepted at the same range of operators as Visa and works identically in terms of deposit speed, withdrawal timeline, and fee structure. Deposits are instant, withdrawals take three to five business days, and no fees are charged at licensed US operators. As with Visa, debit-only is accepted and credit card gambling transactions are not permitted at regulated US sportsbooks.
Mastercard is particularly well suited to players who prefer using a single card for all transactions without managing a separate e-wallet. Available at BetMGM, FanDuel, DraftKings, bet365, and Borgata.
Full Mastercard sportsbook guide →
Debit card
Debit card is a catch-all method covering all bank-issued debit cards including Visa, Mastercard, and Discover. It's the most accessible payment option at licensed US sportsbooks since the majority of US bank account holders already have a qualifying card. Deposits are instant and free across all regulated operators. Withdrawals take three to five business days, which is the main trade-off compared to e-wallets.
Prepaid debit cards are generally not accepted due to identity verification requirements at licensed platforms. Available at BetMGM, FanDuel, DraftKings, bet365, and Borgata.
Full debit card sportsbook guide →
Venmo
Venmo is owned by PayPal Holdings and offers a nearly identical sportsbook deposit and withdrawal experience to PayPal. Deposits are instant, withdrawals arrive within 24 to 48 hours, and no fees are charged at licensed operators. It's a US-only service, which makes it the most domestically familiar e-wallet option for American bettors who already use it for everyday payments.
Venmo withdrawal limits are occasionally lower than PayPal limits at the same operator. A Venmo account linked to a US bank account or debit card is required. Available at BetMGM, FanDuel, DraftKings, and Borgata.
Apple Pay
Apple Pay is the fastest and most private deposit option at licensed US sportsbooks for iPhone users. It uses tokenization so the sportsbook never sees your actual card details, and authentication via Face ID or Touch ID makes deposits faster than entering card details manually. Withdrawal support varies by operator: FanDuel processes Apple Pay withdrawals near-instantly, while BetMGM and Borgata support it subject to bank compatibility.
Apple Pay only works on Apple devices and cannot be used on Android. No separate account is needed if Apple Pay is already set up on your device. Available at BetMGM, FanDuel, DraftKings, and Borgata.
Full Apple Pay sportsbook guide →
Bank transfer (ACH)
Bank transfer, also known as ACH or online banking, lets you deposit directly from your bank account without using a card or third-party e-wallet. Deposits process instantly via ACH at most licensed US sportsbooks. Withdrawals take three to five business days as the funds move through the standard banking settlement process. There are no fees at regulated US operators.
Bank transfer is the best option for players who want a direct bank-to-sportsbook connection without setting up separate accounts. It also tends to have higher maximum deposit limits than cards. Available at BetMGM, FanDuel, DraftKings, bet365, and Borgata.
Full bank transfer sportsbook guide →
American Express
American Express is accepted at a smaller number of licensed US sportsbooks than Visa or Mastercard. It's important to note that standard Amex products are charge or credit cards, which are not permitted for gambling transactions at regulated US operators. Sportsbooks that accept Amex typically do so for Amex-issued prepaid or debit products rather than standard charge cards. Always confirm the specific Amex product type before attempting to deposit.
Deposits process instantly where accepted. Withdrawal availability and speed varies by operator. Available at BetMGM, DraftKings, Borgata, and bet365.
Full American Express sportsbook guide →
Skrill
Skrill is an international e-wallet that offers fast deposits and withdrawals at the sportsbooks that accept it. It's a popular option for players who want an alternative to PayPal or Venmo and is widely used across international betting markets. Deposits are instant and withdrawals typically process within 24 to 48 hours. A verified Skrill account is required before using it at a sportsbook.
Skrill has the most limited sportsbook availability of any method on this page, accepted at just two licensed US operators. Available at Borgata and bet365.
Full Skrill sportsbook guide →
How to pick the right payment method
The best payment method depends on what matters most to you. Withdrawal speed, privacy, setup convenience, and deposit limits all vary between methods. Here's how to match the right method to your needs.
If withdrawal speed is your priority, PayPal and Venmo are the fastest standard options at licensed US sportsbooks, with most payouts arriving within 24 to 48 hours. Apple Pay is faster still at FanDuel, where withdrawals process near-instantly, though availability varies by bank at other operators. Skrill offers comparable speed where it's accepted.
⚡ Best for fastest withdrawals
PayPal, Venmo, and Apple Pay are the top three options for fast payouts. PayPal and Venmo are the most universally available, accepted at four operators each. Apple Pay is faster at FanDuel specifically but has more limited withdrawal support elsewhere. If withdrawals within 24 hours are your main requirement, any of these three achieves that at the right operator.
🔒 Best for privacy and security
Apple Pay is the most private option because the sportsbook never receives your actual card details, only a tokenized single-use code. PayPal, Venmo, and Skrill also act as intermediaries that keep your bank details away from the sportsbook. Debit cards and bank transfers involve sharing your financial details more directly with the operator.
🏦 Best for no additional account setup
Debit cards and bank transfers require nothing beyond what you already have. If you have a US bank account you have a Visa or Mastercard debit card that works at every licensed US sportsbook. Apple Pay also requires no separate account if your device is already set up. PayPal, Venmo, and Skrill all require account creation before first use.
💰 Best for large deposits and withdrawals
Bank transfer typically supports the highest transaction limits among all methods, followed by PayPal. Card-based methods have lower maximum limits at some operators. If you regularly move large amounts, bank transfer or PayPal are the most reliable options for high-volume transactions.
🎁 Best for bonus eligibility
All methods on this page are eligible for welcome bonuses at the sportsbooks that accept them, with one exception. PayNearMe cash deposits, which are not covered on this page, are typically excluded from bonuses at most operators. Every method listed here qualifies for standard welcome offers.
📱 Best for mobile-first bettors
Apple Pay is the most seamless mobile deposit experience for iPhone users. Deposits require a single Face ID or Touch ID confirmation. PayPal and Venmo also have excellent mobile apps that integrate cleanly with sportsbook cashiers. Debit cards work on mobile but require manual entry of card details unless saved from a previous deposit.
What is the fastest payment method at US sportsbooks?
For deposits, all methods on this page process instantly or near-instantly at licensed US sportsbooks. There is no meaningful speed difference between deposit methods.
For withdrawals, the hierarchy is as follows:
| Withdrawal speed | Methods |
|---|---|
| 24 to 48 hours | PayPal, Venmo, Skrill |
| 3 to 5 business days | Visa, Mastercard, Debit card, Bank transfer, American Express |
The most practical combination for most bettors is using any instant deposit method and withdrawing via PayPal or Venmo. This gives you the full flexibility of all available deposit options while ensuring the fastest payout route. All four operators that accept PayPal and Venmo also support both as withdrawal methods.
What is the most secure payment method at US sportsbooks?
All payment methods at licensed US sportsbooks are processed through SSL-encrypted connections and regulated operators are required to maintain strict security standards for payment data. That said, some methods offer additional layers of protection beyond what the sportsbook itself provides.
Apple Pay is the most secure option from a data perspective. Its tokenization system means your actual card number is never transmitted to the sportsbook at any point. PayPal, Venmo, and Skrill act as intermediaries that similarly keep your bank details away from the sportsbook. Debit cards and bank transfers share your financial credentials more directly with the payment processor, though these are still secure at licensed regulated platforms. The most important security factor at any US sportsbook is whether the operator holds a valid state gaming license, which imposes mandatory security and data protection standards.
Are there fees on sportsbook deposits and withdrawals?
Licensed US sportsbooks charge no fees on deposits or withdrawals for any of the payment methods on this page. This applies to Visa, Mastercard, PayPal, Venmo, Apple Pay, bank transfer, Skrill, and American Express at all recommended operators. Fee-free transactions in both directions are a regulatory standard at regulated US platforms and one of the advantages of using a licensed operator over offshore sites, which sometimes charge 3% to 10% on card deposits.
The one potential cost to watch for comes from your bank or payment provider rather than the sportsbook. If your PayPal or Venmo account is funded via a credit card, those platforms apply a 3% fee on the transaction. Using a bank account or debit card as your PayPal or Venmo funding source keeps everything at zero. Similarly, some banks may apply a foreign transaction fee if a merchant is classified as non-US, though all licensed operators on this page process payments in US dollars.
Do payment methods affect welcome bonuses?
In most cases, no. All methods on this page qualify for welcome bonuses and ongoing promotions at the sportsbooks that accept them. Visa, Mastercard, PayPal, Venmo, Apple Pay, bank transfer, Skrill, and American Express are all standard bonus-eligible deposit methods at licensed US operators.
The exceptions to watch for are cash-based deposit methods like PayNearMe, which are excluded from welcome offers at several operators. These are not listed on this page since they fall outside the standard digital payment category. Always check the specific terms of any welcome offer before depositing, as some promotions exclude specific funding methods or require a minimum deposit that may differ from the standard minimum.
Responsible gambling
Managing your payment method thoughtfully is part of responsible bankroll management. Setting a deposit limit in your sportsbook account before you start betting is one of the most effective safeguards available, and all licensed US operators on this page offer this tool in account settings. A weekly or monthly deposit limit prevents the ease of instant deposits from making it too simple to reload beyond your budget.
If gambling is becoming a problem, free and confidential help is available from the following organizations.
- National Council on Problem Gambling (NCPG) — 24/7 helpline, chat, and text support. Call or text 1-800-522-4700.
- Gamblers Anonymous — Peer support groups based on a 12-step recovery program, with meetings available across the US.
Final thoughts
Every payment method on this page is fast, free, and accepted at at least two licensed US sportsbooks. The right choice comes down to your specific priorities: if you want the fastest withdrawals, PayPal or Venmo are the most universally available quick-payout options. If you want the most seamless mobile deposit on an iPhone, Apple Pay is unmatched. If you want the simplest setup with no additional accounts, a debit card or bank transfer is the most direct route. Use the links in each section above to find the full guide for whichever method suits you best.
FAQs
What is the fastest withdrawal method at US sportsbooks?
Apple Pay is the fastest where available, with FanDuel processing withdrawals near-instantly. PayPal, Venmo, and Skrill are the next fastest, typically arriving within 24 to 48 hours. Debit cards, Visa, Mastercard, and bank transfers take three to five business days.
Are there fees on deposits and withdrawals at licensed US sportsbooks?
No. Licensed US sportsbooks charge no fees on any standard payment method. Deposits and withdrawals via Visa, Mastercard, PayPal, Venmo, Apple Pay, bank transfer, Skrill, and American Express are all fee-free at regulated US operators.
Can I use a credit card at a US sportsbook?
Not at licensed US sportsbooks. State regulations prohibit credit card gambling transactions at regulated platforms. Only debit cards, which draw directly from your bank account, are accepted for card-based deposits.
Which payment method is most widely accepted?
Visa, Mastercard, debit card, and bank transfer are accepted at the most operators, available at all five sportsbooks on this page. PayPal, Venmo, and Apple Pay are each accepted at four of the five operators listed.
Do all payment methods qualify for welcome bonuses?
Yes. All methods listed on this page qualify for welcome bonuses at the sportsbooks that accept them. Cash-based deposit options are the main exception to watch for, but those are not covered here as they fall outside the standard digital payment category.
Which payment method is most secure?
Apple Pay is the most secure because it never transmits your actual card details to the sportsbook, using a single-use encrypted token instead. PayPal, Venmo, and Skrill also act as privacy layers between your bank and the sportsbook. All methods are secure at licensed US operators regardless.
What payment methods does bet365 accept?
bet365 accepts Visa, Mastercard, debit card, bank transfer, American Express, and Skrill. It does not currently accept PayPal, Venmo, or Apple Pay on its US platform.
What is the easiest payment method to use at a sportsbook?
Debit cards and bank transfers require no additional setup beyond what you already have. Apple Pay is the easiest mobile deposit option if you are an iPhone user with an existing Apple Pay setup. PayPal and Venmo require account creation but are straightforward once set up.
