MasterCard & Visa – Australian online casinos accepting credit cards
By Brad Isaac
Both MasterCard and Visa are the most common international payment systems that are present in nearly every country worldwide and are accepted in millions of stores, ATMs and e-shops for making diverse money transaction. The notorious Interactive Gambling Amendment Act 2017, which you could be aware of, makes special reservations excluding these two reputed systems from drastic limitations and prohibitions imposed by the Act itself. MasterCard and Visa are absolutely legitimate options in terms of online gambling and you may be sure of it until further notices. We have checked and double checked it and assure you that each online casino listed on AUCasinosOnline accepts MasterCard and Visa Card and has all necessary software, hardware and contractual arrangements to ensure safe depositing and easy withdrawal of money. Besides, these cards are so widely accepted that this is probably the case that you are already a holder of either card or both.
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Safety and security are top priorities
The first thing to know and understand about MasterCard and Visa Card as payment options for online casinos is the improved level of cardholders’ protection.
First, the two payment systems invest heavily into the security of transactions and protection of clients, who are offered a Zero Liability policy. This policy warrants that you will not be held responsible for any fraudulent charges or unauthorized purchases made with your card or account information. Your MasterCard or Visa Card is a key to your bank account and nobody has any legal right to use it without proper authorization or charge you any illegal or hidden fees. If any of these happens, you are not held responsible. This policy extends to nearly all possible transactions and covers your transactions with online casinos that accept MasterCard and Visa card and are listed at AUCasinosOnline.
Second, there is a powerful intermediary between these payment systems and you: this is the bank which has issued your card. Banks are also very much aware of security aspects of online use of cards and take all respective steps to protect their clients and their own reputation. Thus using MasterCard or Visa card you enjoy two levels of solid protection and well-designed warranties, which is probably the best level of security available for Aussies having gone gambling online.
You may further improve the level of your security if checking regularly your monthly card statement and inform your bank immediately of any suspicious transaction. Be sure that your call will initiate a full-fledged investigation by both the bank and the payment system and all things will be sorted out in due course. Being a visitor of online casinos you are perfectly aware of opportunities and benefits of internet banking. As a matter of course, both payment systems and banks offer safe and user-friendly online access to your card accounts so you can always keep track of spending and earning.
Types of cards
Both systems offer a broad range of cards. Actual or potential card holder can have a question whether these cards or any particular card is suitable for online gambling. Yes they are! – read below about types of cards and select the one that would be appropriate for your needs and preferences.
MasterCard and Visa offer debit cards, credit cards, prepaid cards and gift cards. Debit cards are the closest equivalent of cash as soon as this type of card is a direct access to your bank account and each time you make a transaction with a debit card you use your bank account to withdraw or deposit money.
The benefits of using a debit card are threefold:
- You operate your own funds and will not face a situation that you run up a bill or make a mistake and borrow from you bank. On the other hand, it is your account and it is you who decide how much money to hold on the account and spend with a debit card.
- You enjoy the full protection offered by your bank and the payment system including the Zero Liability policy.
- Debit cards are readily accepted for online transactions and give you full 24/7 access to fun and thrills of online gambling.
A MasterCard or Visa credit card is a very different sort of cards. You should understand that each time you make a payment with a credit card you borrow money from your bank within a credit limit established by a contract between you and your bank. This means two things. First, your freedom of spending is restricted by the credit limit. Second, over a certain period of time, usually 30 days or 55 days depending on the type of a card and system, you will have to pay the borrowed money back and also pay an interest rate. The other side of this type of cards is that holders are offered an increased level of safety and protection along with a broad range of perks, bonuses, discounts, cashback and other privileges the complete list of which is available on payment system websites and at your bank.
Prepaid cards are not associated with your bank account – instead, they are reloadable. You may reload your card anytime, as many times as you like and use only the amount currently loaded and stored on your card. An amount stored on a prepaid card is accessible for gambling in an online casino as easily as in case of debit or credit cards. No credit limit is established on a prepaid card. When issuing a prepaid card, your bank may ask you to pass some procedure to confirm your identity and/or register the card. This is a safety measure designed to give you protection in case of a doubtful or suspicious transaction or unauthorized use of the card. Whatever a card type, security is a top priority for payment systems and banks.
Gift cards are sort of regular gift cards offered at sales outlets but they are more convenient because of their universal acceptability. Gift cards are almost identical to prepaid cards, the difference being they are usually given to an individual by another individual (friend, husband, wife, etc.)
These four types of cards are issued by MasterCard and Visa payment systems and they are accepted in each online casino listed on AUCasinosOnline. More detailed information on each type of cards including credit limits, processing fees, perks and bonuses is available in an issuing bank.
Great advantages and minor drawbacks
There are considerable advantages of using MasterCard or Visa in online casinos. First and foremost, it is safety and security of transactions: you are well-protected against fraud with your funds, or theft of your personal and account information. This protection is not something intangible: in case of any trouble or even doubt you can contact customer service of an online casino, your bank and MasterCard or Visa over the phone or by live chat. You will be amazed by proficiency and service-mindedness of managers capable of sorting things out very promptly and in the most convenient way.
Second, it is the ease of making transactions. Depositing and withdrawing money with online casinos could hardly be easier. Thirdly, debit cards of both systems allow depositing considerable amounts, thus extending your freedom to gamble as you like, especially if you are a high roller.
There are also a few minor disadvantages; they are not surpassing the advantages but you should be aware of them:
- Your transactions with a credit card are subject to processing fees applied to depositing and withdrawal. This is not usually the case when you use debit, prepaid or gift cards yet it may also happen. You have to clear this issue out with your bank in order to have complete understanding of your expenditures and earnings.
- Online casinos do not apply a unified policy on withdrawals therefore their rules differ in this respect, including rules in processing time and fees. You should take care to read the policy of an online casino you choose and also arrange pick another payment option for making withdrawal if it so happen that the casino you are playing at imply fees on withdrawal to Visa (though this hardly ever occurs).
A brief how-to on using cards in online casinos
Each online casino listed on AUCasinosOnline offers a well-protected and user-friendly interface of a user’s account to deposit, withdraw and make other transactions as easy as possible. As soon as you have created an account with any online casino featured here, you should enter your account and select the Deposit (Banking) menu. Then select from MasterCard, Maestro and/or Visa, Visa Electron as a payment option and enter all required details and information carefully. Having completed this step you are able to deposit funds to your account.
Define an amount and your preferred currency from the list, pay attention that you may also deposit AUD in order to save on exchange fees deductible in case of selecting USD or EUR (not every online casino allows for direct AUD transactions). With both MasterCard and Visa systems, your funds become available on your casino account immediately, and they are also reflected in your monthly card statement. The brief procedures described above make your MasterCard or Visa card an effective, comfortable and secure tool for online gambling.
Withdrawal is made according to online casino’s rules and policies. In contrast with depositing, a withdrawal transaction is subject to stricter security checks and counterchecks and as such does not occur immediately. It may takes some time. Please be patient: these checks are designed with a sole purpose of protecting you from any fraudulent manipulations and unauthorized access to your card.
To sum up, MasterCard as well as Visa cards are reliable, safe, comfortable, affordable and reputable payment methods to be applied in any online casino reviewed on AUCasinosOnline.