A payment solution built for Gaming & Gambling

Gambling is one of the most regulated and data-heavy payment environments, where every transaction is evaluated in context. That is why 3D Secure cannot be "one size fits all". With ePay, you control 3DS using scaMode and exemptions, so you can reduce fraud without hurting conversion for your good players.

Run 3DS by default, skip it in low-risk scenarios - or force a challenge when signals indicate increased risk - for example a new card, new device, new geo-signal or atypical behavior.

After every payment you get clear insight into the 3DS outcome: challenged, frictionless or skipped. This makes it possible to build a risk strategy that gets sharper over time.

In gambling, this is especially valuable because patterns repeat: bonus abuse, stolen cards, multi-accounting and "test transactions". When you know the 3DS outcome, you can react precisely - without punishing legitimate players.

For example, if a card triggers a 3DS challenge, but the cardholder does not complete it and abandons the payment, you can treat it as a risk signal.

If the same player later adds a new card, you can require a 3DS challenge again - making challenge hopping difficult and stolen cards significantly less useful.

When deposits fail, you need to act immediately. ePay gathers the entire payment session - from the moment the player starts the payment until the final action is completed - into one consolidated transaction flow.

This gives your team deep visibility into exactly where a payment stops in the flow, and what came back from 3DS, the acquirer and the card network.

• See 3DS status, authorization and responses in one place
• Error codes and reasons at transaction level
• Faster incident handling when approval drops

With the pre-auth callback, you can move your "final decision" closer to the payment. ePay sends a callback right before 3DS and authorization are processed - with all relevant transaction data.

Implement your own logic - or connect third-party AML, KYC and anti-fraud - and respond whether the transaction should be rejected, proceed normally or require a challenge.

This is especially powerful in gambling, where you already have domain knowledge: deposit limits, responsible gambling, risk profiles, velocity checks and bonus abuse.

Pre-auth can also help control costs. Based on transaction data, you can filter and route authorizations to the acquirer or route that delivers the best approval and the lowest fee - so only relevant attempts are sent onward.

ePay's built-in rule engine lets you set up advanced rules that can reject, force a challenge or change how a transaction is processed - without shipping code.

Combine ePay data (3DS outcome, wallet type, card type, issuer, geo, device signals and more) with your own dynamic attributes that you send with the payment - for example player status, KYC level, risk score, segment or limits.

Reject payments with cards issued outside licensed countries, limit payments to debit cards, and stop transactions where the cardholder is outside the jurisdiction you are licensed to operate in.

Layer multiple rules and fine-tune them continuously - without release cycles. Rules are evaluated in order, and the first matching rule is executed.

Gambling is not a classic checkout. Often you do not know the deposit amount upfront - the player chooses it in your frontend.

With Dynamic Amount, you can start a payment session without an amount and set the amount later in the flow.

This creates a more natural deposit UX and reduces friction, because you avoid workarounds like "dummy products" or hard-coded amount choices before the payment flow.

Start payment sessions without a fixed amount, let the player choose the deposit amount directly in your UI, and create a payment flow that is naturally adapted to gambling deposits.

Wallets often hide the real PAN, making it harder to enforce bonus policies, AML work and closed loop withdrawals.

With ePay you get access to PAR (Primary Account Reference) - a stable, unique ID for the card across wallets.

This means you can identify the same card even when the player uses Apple Pay today and Google Pay tomorrow - or when a wallet token would otherwise look like a "new" card.

Strengthen protection against bonus abuse and multi-accounting with a more robust card identity, while improving AML signals and supporting closed loop payout and withdrawal flows.

In gambling, trust is about speed: when a player wins, they want their money quickly.

ePay supports CFT/payouts with integrations to Visa Direct and Mastercard Send, so you can deliver near-instant payouts.

Combine payouts with your own rules and controls - for example KYC level, responsible gambling checks and closed loop requirements - so you win on both experience and compliance.

Pay out winnings near-instantly to players, automate compliance and risk checks before payout, and reduce support tickets with a better and more predictable player experience.

PAR and transaction insight also make it easier to build robust closed loop payout flows

Gambling flows are often recurring - and friction from card updates can be costly. With tokenization and account updates, ePay can automatically keep stored cards up to date when a card expires or is reissued.

The result is fewer failed deposits, lower churn among returning players and a more stable player experience over time.

Reduce friction by keeping stored cards updated, improve approval rates by avoiding expired-card failures, and strengthen retention with more stable deposits over time. Combine with rule engine and 3DS insights to distinguish between “known good” players and truly risky scenarios.

In gambling, downtime has an immediate cost - both revenue and player experience. With ePay, you can design your setup for high availability, so payments can continue even when the primary acquirer is down.

Use a redundant acquirer as fallback: if the primary acquirer or route fails, the transaction can automatically be routed onward to an alternative acquirer, avoiding unnecessary declines.

Combine with rules and monitoring so you can control fallback by payment method, country, card type or amount level - and switch back when the primary is stable again.