Impact of payment systems on online casino profits

In iGaming, profits start with the first deposit. If payments are unstable, the operator loses a significant part of income even before the player gets into the game.

In some GEOs, it is the payment infrastructure, not the product, that determines the economics of the project.

Market Context

• Tight restrictions on transfers to offshore iGaming at a number of GEOs
• Increased PSP rates due to high risk and fraud
• Chargebacks as a source of direct losses and sanctions from payment systems
• High bank rejection rate on game transactions
• Shift to localized methods - maps lose share

Key areas of profit growth

• Variety of payment methods
• Relevance to local habits (Brazil - PIX, India - Upi)
• Payment route optimization: chaining, cascades and routing
• Reduced enrollment time
• Reduced processing costs and conversion
• Reduction of Chargebacks and Frauds

Where money is lost

• Commissions: if the check is low, the commission can eat up 10-20% of the deposit
• Rolling reserves and delays reduce available turnover
• Chargebacks cost up to $100 per case and affect status with payment systems
• Currency conversions are often more expensive than the basic PSP fare
• Low approval rate increases real CPI and reduces traffic profitability

Why it's critical

• Payments determine how many recruited players will actually start the game
• Influence the speed of capital turnover
• Form the cost structure and margin
• Create user experience: stable payments increase returns

Conclusions

The payment system is not just part of the infrastructure, but the core of the casino's financial model. Payment optimization provides a tangible increase in profits without increasing marketing costs, and operators who systematically manage payments win even with the same traffic volumes.