Fiat: cards, bank transfers, local methods (PIX, PayID, M-PESA, etc.)

Fiat payment systems in online casinos: cards, transfers and local methods

Despite the rise of cryptocurrencies, fiat payments remain the foundation for most online casino players. Support for cards, bank transfers and local payment methods significantly increases the availability of casinos for a wide audience, especially in regions with established financial habits.

Main fiat payment methods

Method	Description and GEO
Visa/Mastercard	Standard Method Worldwide
Bank transfer	SEPA (EU), SWIFT (international), local banks
Apple Pay/Google Pay	Fast Mobile Payments
Internet banking	Revolut, Monobank, N26, bank gateways

Local payment methods

Method	Country/Region	Description
PIX	Brazil	Instant Transfers, running 24/7
PayID	Australia	Direct Transfers Between Banks
M-PESA	Africa (Kenya, Tanzania)	Mobile wallet, works without banks
UPI/Paytm	India	P2P Bank Payments, Low Fees
Papara/PayTR	Turkey	Popular Local Payment Methods
GCash/GrabPay	Philippines	Mobile Fiat Wallets

Technical features of integration

Connection via aggregators or gateways (Nuvei, Praxis, PayRetailers, Pagsmile)
Support for auto-conversion to player account currency
Automatic replenishment and manual/auto-output
Security via 3D-Secure, OTP, KYC
Maintaining the history and status of transactions in your personal account

Benefits of fiat support

Accessibility for a wide audience without crypto
Conversion growth - especially in new markets
Habitual payment methods increase trust
Ability to conduct local promotions and bonuses
Simplified identification and compliance

Combined model: fiat + crypt

Many modern casinos use a hybrid strategy:

• Acceptance of deposits in cards or crypto → balance is converted to USD
• The player can choose the output method (fiat/crypt)
• Payment logic - through multi-aggregators with geo-filtering
• One player wallet - many sources

Fiat payments are an obligatory part of a successful online casino, especially when entering international markets. Support for bank cards, local payments (PIX, PayID, M-PESA, etc.), as well as the ability to flexibly integrate with aggregation gateways allows the project to be as accessible, reliable and scalable as possible.