Us Poker Sites Accepting Real Money

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Most (but not all) USA-friendly poker sites take Mastercard as a deposit option because so many players have a Mastercard in their back pocket. Whether it is a credit card, a debit card, or a pre-paid card, Mastercard is one of the most popular payment methods used in the USA.

Jul 31, 2019  If you're not playing for real money or trying to make a deposit on a poker site not licensed in the USA, you can play free poker online at virtually every poker site. All you need to do is either play the in-browser free play version or download the software (for all of the full features) and stick to the play-money. Online poker for real money is legal in four states in the USA: New Jersey, Pennsylvania, Delaware and Nevada. Top poker rooms like 888poker and PokerStars accept card players in those states. But, US players in other states need honest reviews of offshore card sites.

Mastercard is a relatively cheap way for poker sites to accept deposits. The transaction fees are pretty low compared to some e-wallets; so online poker sites accepting MasterCard are pretty happy to absorb the cost of the transaction and credit players´ accounts with the full amount of their deposit.

Top US Poker Sites Accepting MasterCard
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Real Money Poker with MasterCard Deposits

There is a huge number of benefits when you play real money pokerwith MasterCard deposits. Depositing into accounts at MasterCard poker sites is quick and easy – and secure. It is just like any online purchase.

You simply tap in your card details and the value of your deposit; and, within a few seconds, the funds will be credited to your account.

All the poker sites accepting MasterCard transact deposits over an encrypted connection. There is no risk of your card details being intercepted while you are making a deposit when your connection is encrypted. Some of the sites offer a quick deposit option as well – where your card details are stored on a secure server so that you only have to enter them once and can reload your account with the click of a button.

Your bank or card issuer also provides a certain level of protection against the fraudulent use of your card details – although this is very unlikely to happen at online poker sites that accept MasterCard, because of the negative publicity that would result and the loss of business the site would experience. Basically, you are in safe hands when you play real money poker with MasterCard deposits in the USA.

Poker Sites Where You Can Deposit with MasterCard

MasterCard poker sites offer high acceptance rates and fast processing of your deposits. When you make your first deposit with a MasterCard on a poker site, you will also be able to take advantage of some bankroll-enhancing poker bonuses and some potentially lucrative poker promotions.

The Advantage Mastercard has over Other Payment Options

The advantage Mastercard has over other payment options is convenience. Most players already have a Mastercard-backed bank card and, if not, Mastercard-backed pre-paid cards and gift cards can be purchased at selected stores or online (see below for details). There are usually no fees for loading a Mastercard with funds (if it is not already linked to your bank account) or taking cash out at an ATM.

For players who prefer to keep their poker bankrolls separate from their general funds, Mastercard-backed pre-paid cards and gift cards are an excellent option. They are easy to purchase, manage and reload; plus, if you run out of cash and need to buy something from the corner store in an emergency, you can simply run down there with your pre-paid Mastercard provided you have funds on your card.

Furthermore, because Mastercard-backed pre-paid cards and gift cards are not credit cards, you are less likely to spend more than you can comfortably afford to lose. This is because once your pre-paid Mastercard balance has gone, you have to make a conscious decision to either reload your card or use an alternative funding source to continue playing poker. Whoever would have thought that the historically anti-gambling Mastercard company would be contributing to responsible gambling!

How to Get a Mastercard-Backed Pre-Paid Card

There are two options for getting a Mastercard-backed pre-paid card. You can either visit a store that stocks pre-paid cards or order one online. The advantages of purchasing a pre-paid card from a store are that you can buy it for cash and it is activated immediately. If you order a pre-paid Mastercard online, you can´t use cash and you have to wait for the card to arrive before being able to activate it.

Poker sites accepting us players

However, although the store option may be more convenient for some people, not all pre-paid cards and gift cards available in stores are suitable for funding an online poker account. This is because some – particularly gift cards – are for domestic use only and won´t be accepted by USA-friendly poker sites that use offshore payment processors. The card has to be capable of making international payments.

Another thing to look out for is whether the terms and conditions of the pre-paid card permit gambling transactions. Some do and some don´t, and it is a lot more convenient to read through the terms and conditions of the card from the comfort of your PC or mobile than it is by the counter of a store. We found several online sources that support international transactions and don´t restrict the card´s use.

How to Make a Deposit at a Poker Site with a Mastercard

Naturally, online poker sites are keen to make it as simple as possible for players to fund their accounts, so the process for making a deposit at a poker site with a Mastercard is really straightforward:

  • Simply select which poker site you would like to play at from the above list (you can read our reviews of each site first if that will help you make your mind up).
  • Download and install the software – taking care to read the terms and conditions of playing at the site to avoid any potential hiccups later.
  • Create your account by completing the online registration form – remembering to enter any bonus codes where they are requested.
  • Usually, you will have to wait a few minutes for an email to arrive welcoming you to the poker site and asking you to verify your email address.
  • Once you have verified your email address, navigate to the cashier section of the poker client or visit the site´s cashier from a web browser.
  • Select Mastercard as the deposit option, enter the card number, its expiry date, the CVC number on the back of the card and the amount you want to deposit.
  • Within a few seconds, the value of your deposit will be credited to your account and you can start playing online poker for real money.

In some circumstances, you will be asked to complete a credit card authorization form before being allowed to play for real money – even if you have deposited using a pre-paid card. Although this can be an inconvenient distraction, the purpose of the credit card authorization form is to verify your ID and protect your account against fraud.

Verifying your ID is a necessary step to complete before you are allowed to withdraw your winnings from any online poker site, so it has to be done at some time, and you might as well get it out of the way sooner rather than later. Imagine the frustration if you enjoy a big win, go to withdraw your funds, and have to temper your excitement while you get the necessary paperwork out of the way.

The Downside of Playing Poker with MasterCard in the US

Unfortunately, there is a downside of playing poker with a Mastercard in the US. Although Mastercard deposits have a high acceptance rate, your deposit is not guaranteed to be accepted. This is not a reflection on your poker site´s credibility, but more to do with your card issuer being nervous about gambling transactions.

In fact, such is the randomness of declined Mastercard poker site deposits that you could have a deposit initially declined and then accepted when you try again thirty minutes later. We believe that the paranoia of card issuers varies according to how much coffee they have drunk, so maybe it is not best to try making a deposit with a Mastercard on a poker site first thing in the morning!

The other downside of playing poker with a Mastercard in the US is that you cannot withdraw your winnings back to your card. This is not a downside that is unique to poker players in the US – poker players from all over the world have to put up with the same inconvenience. When you enjoy a winning session on poker sites that accept Mastercard as a deposit option, you will have to use an alternative withdrawal method such as a check or a wire to your bank.

MasterCard Poker Sites Q&A

Can you play online poker with a MasterCard in the USA?

Absolutely. It is one the best poker deposit options there is because of its speed, cost, and convenience.

What costs are associated with depositing on a poker site with a MasterCard?

The poker site will not charge you anything, but your bank or card issuer might regard your deposit as a “cash advance” and charge you a small percentage of the deposit amount.

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What is the minimum I can deposit on a poker site with a MasterCard

Best real money poker sites

Poker sites have different limits for the minimum and maximum amounts you can deposit with a Mastercard. As a guide, the minimum deposit allowed is usually $50.00.

What should I do if my MasterCard poker deposit is declined?

Call the poker site´s customer services department. Most poker sites that accept Mastercard as a deposit option have a toll-free number you can call. The site´s customer service representative will try to process the deposit manually or suggest you use an alternative option.


PayPal has re-entered the USA gambling market as an option in Nevada, New Jersey and Delaware. They are doing a trial run with wsop.com, but are planning to add more legal poker sites in the near future. Again, as of now, this is only for sites in New Jersey, Nevada and Delaware and does not apply to the many poker sites that are based off shore.

The US market is frequently changing, however, and we plan to keep this page updated for when more sites begin to offer PayPal as an option.

Return of the King?

PayPal WAS the leading provider of online gambling deposits in the US from early 2000 to late 2002 but eventually left the market prior to US legislators passing the Unlawful Internet Gambling Enforcement Act in 2006. It was a relatively short run for PayPal, but their role as a payment provider to poker, casino and sports betting sites was so dominant during that time, most felt their exit from online gambling spelled doom for the entire US gambling industry.

This, however, wasn’t the case, soon after Neteller stepped in and kept things going. Unfortunately Neteller itself would leave the market in 2007 but those of us who were around in the PayPal days didn’t panic too much when Neteller left the US. Whenever online poker loses one payment processor another seems to move in and take over. The main methods now include credit cards, wire transfers and Bitcoin, which is becoming more and more popular for offshore sites.

PayPal Still Deals in Gambling Transactions

When PayPal left the US market in the early 2000s in didn’t completely abandon the online gambling market. Instead PayPal focused on more progressive countries (when it comes to online gambling) such as the United Kingdom, Sweden, Finland, Denmark, Italy, Ireland, Spain, Portugal, Australia and more.

For much of the world PayPal remains a premier option for depositing on online poker sites and the company has been expanding into the segment more aggressively in recent years as online gambling becomes more commonplace.

Because PayPal was one of the original payment processors it was extra careful when it came to online gambling laws in the USA and that’s part of the reason the market remains bereft of the company outside of the regulated markets in NV, DE and NJ.

How PayPal Works, and What is PayPal?

If you’re not familiar with PayPal, they are the largest money transfer service in the world. PayPal makes it possible for anyone and everyone to receive money online, be it from friends, relatives, business contacts, or website visitors. Not only can they receive money online, but they can also accept credit card, or eCheck payments.

PayPal clients can store these funds, spend the funds at merchants accepting PayPal, transfer them to others with PayPal accounts, or cash the funds out via ACH bank transfer or paper check. In fact, in the US it is also possible to get a PayPal debit card that you can use to take money out of your PayPal account at an ATM, or because it has a MasterCard symbol, you can also spend your PayPal funds anywhere MasterCard is accepted. Today thousands of merchants accept PayPal including Godaddy and Moniker for domain registrations, United and Southwest for flight tickets, Tiger Direct for computers and electronics, and we’re mentioning just a few of the tens of thousands of merchants accepting PayPal in order to show how mainstream PayPal has become. PayPal is the payment processor of choice for the majority of users on famed online commerce site eBay.

PayPal Ownership and Successes

PayPal was so useful for online transactions that eBay decided to purchase the service in 2002. PayPal was originally the result of a merger between old internet companies X.com and Confinity.

Poker Sites Accepting Us Players Real Money

After eBay acquired PayPal in 2002, ownership decided to pull PayPal out of the online gambling market because they weren’t sure how the laws regarding online gambling in the USA were going to shake out.

Even though it didn’t benefit from online gambling in the USA, PayPal rose to new heights under eBay ownership and now operates in 190 countries, has 152 million active accounts, and operates in 30+ different currencies with local offices in 13 different countries. They company does billions of dollars in business every single year.

PayPal’s Return to US Poker

Us Poker Sites Accepting Real Money Online

Because PayPal is an online giant in commerce you might expect that the company isn’t in any rush to return to the online gaming space but that would be short sighted.

PayPal is actually experiencing stiff competition from payment processors like Cash.app by Square and even cryptocurrencies like Bitcoin so it’s important for the company to maximize value wherever it can find it.

PayPal is also a big player when it comes to online gambling in the rest of the world so it goes without saying that the company is hoping to move back into the US market. PayPal has even experimented with an online payment system in China where the internet is even more heavily regulated than the USA.

Poker Sites For Money

There’s a decent chance that PayPal will make a widespread push back into USA online poker in the next few years and may even help push a few states towards legalizing and regulating the game.

The situation regarding online poker in the USA is always changing, however, and we suggest that you keep checking our US poker law page to get the latest updates.