Apple Pay

What Apple Pay Is

Apple's own description is a card rather than a balance: Apple Pay is your debit or credit card, just on your iPhone. It lets you use your debit and credit cards on your iPhone and other Apple devices, so you can make secure purchases in stores, in apps, and online.

What It Costs

Nothing, from Apple. Apple states: No. Apple does not charge any fees when you pay with Apple Pay — in stores, online, or in apps. Your card issuer may apply its usual charges or fees, but Apple doesn't charge users for making purchases or change how your card works. A casino may still apply its own deposit fee; that is the casino's charge, not Apple's.

What Can Be Behind It

Cards. Apple describes adding a debit or credit card and any other eligible debit, credit, prepaid, or gift cards.

One consequence is worth being careful about, and it is about Great Britain. Gambling operators there must not take a credit card for gambling. The Gambling Commission introduced the ban on 14 April 2020 — On 14 April 2020, the Gambling Commission introduced a ban on gambling with credit cards online — and its guide for players states the rule flatly: Gambling businesses must not accept credit card payments for gambling. Those are the Commission’s words, on its publication at gamblingcommission.gov.uk/statistics-and-research/publication/prohibition-of-gambling-on-credit-cards and its guide at gamblingcommission.gov.uk/public-and-players/guide/gambling-using-a-credit-card, read on 11 October 2026.

The Commission has addressed payments routed through a wallet, for a defined class of them: The ban on credit cards extends to payments for gambling made by credit card through any money service business (MSB) such as an e-wallet or other fintech and electronic money institutions that enable e-money transfers. It also tells operators to check the source: A gambling business should make sure that if they are accepting payment from an e-wallet, such as PayPal or Skrill, that the money was not loaded from a credit card. What is still open is narrower than it looks. Apple Pay presents a card rather than holding a balance, so there is no loaded e-money step of the kind that guidance describes. The Commission names e-wallets and money service businesses; we have not found it naming a device wallet of this kind, and we are not going to tell you it is or is not one. Whether the ban reaches a credit card presented through a device wallet is not a question we can answer from anything the Commission has published, and we are not going to answer it for you. Our advice, and it is advice rather than law: in Great Britain, do not plan on funding gambling with a credit card by any route. A debit card is a different matter and the ban does not touch it. Our credit card page sets the ban out in full.

Whether Gambling Is Allowed

Apple's published Acceptable Use Guidelines for Apple Pay on the Web list the kinds of website a merchant may not use Apple Pay for. Gambling, betting, casino and lottery do not appear anywhere in that list. What the list does open with is a legality requirement: a merchant may not incorporate Apple Pay into a website that: Violates any law or otherwise fails to comply with legal requirements. On that list, then, what a casino has to satisfy is the legality requirement.

We record that as silence rather than as permission. We have not located any further Apple merchant terms for Apple Pay on the web, and if any exist they may say more. What can be said is that the acceptable-use list Apple does publish does not name gambling.

Deposits and Withdrawals

Apple describes Apple Pay only as a way to pay. Receiving money is a different Apple product: Apple Cash is an easy and secure way to send and receive money on your iPhone. So on Apple's own account Apple Pay is a rail for paying rather than for being paid. We have not established what any individual casino does about paying winnings to Apple Pay, so the cashier page of the casino you are using is where that answer is.

Where It Works

Apple publishes a list of the countries and regions that support Apple Pay, covering most of Europe, much of Latin America and the Caribbean, the Middle East, India, several African and Asia-Pacific markets, Canada and the United States. Availability of Apple Pay in a country is not the same thing as a casino in that country accepting it.

Where This Comes From

Everything about the company on this page comes from its own published material, read on 21 October 2026. The Great Britain credit-card rule comes from the Gambling Commission, quoted and dated where it appears above and set out in full on our credit card page; it is not the company’s material and is not presented as such.

• https://www.apple.com/apple-pay/ — Apple, its own Apple Pay page: the description of Apple Pay as a card rather than a balance, the statement that Apple charges no fee, the card types that can be added, and the contrast with Apple Cash for receiving money.
• https://developer.apple.com/apple-pay/acceptable-use-guidelines-for-websites/ — Apple, Acceptable Use Guidelines for Apple Pay on the Web: the list of prohibited website categories and the legality requirement. Gambling is not among the listed categories.
• https://support.apple.com/en-us/HT207957 — Apple, Countries and regions that support Apple Pay: the availability scope.
• https://www.gamblingcommission.gov.uk/statistics-and-research/publication/prohibition-of-gambling-on-credit-cards — Gambling Commission, prohibition of gambling on credit cards: the ban’s commencement on 14 April 2020. Read 11 October 2026.
• https://www.gamblingcommission.gov.uk/public-and-players/guide/gambling-using-a-credit-card — Gambling Commission, gambling using a credit card: the rule that gambling businesses must not accept credit card payments for gambling, and that the ban extends to payments made through a money service business such as an e-wallet. Read 11 October 2026.