Welcome to our comprehensive guide on Payforit casinos for UK players. If you’re a casino enthusiast in the UK who prefers to use Payforit as a deposit method, you’ve come to the right place. We’ve researched and gathered a list of top-notch Payforit casinos that you can choose from to enjoy your favourite games and make seamless transactions. Whether you’re a seasoned player or new to the scene, we’ve covered everything you need to know about Payforit casinos in the UK. So, let’s dive in!
Casinos that accept Payforit in the UK
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Fast withdrawals
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Reliable licensing
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Generous bonuses
New players aged 18 and over can receive a maximum bonus of €50. The minimum deposit required to qualify for this bonus is €20. Any bonus winnings are capped at €50. When playing with an active bonus, the maximum bet is €2. To meet the 30x wagering requirement for the 100% match deposit bonus, players must wager the sum of their deposit and bonus 30 times. Any winnings from Free Spins are credited as real money and do not require additional wagering.
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24/7 customer support
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Safe & secure
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Huge jackpots available
New players aged 18 and over can receive a maximum bonus of €50. The minimum deposit required to qualify for this bonus is €20. Any bonus winnings are capped at €50. When playing with an active bonus, the maximum bet is €2. To meet the 30x wagering requirement for the 100% match deposit bonus, players must wager the sum of their deposit and bonus 30 times. Any winnings from Free Spins are credited as real money and do not require additional wagering.
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Mobile-friendly platform
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Variety of slots
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Live dealer games
New players aged 18 and over can receive a maximum bonus of €50. The minimum deposit required to qualify for this bonus is €20. Any bonus winnings are capped at €50. When playing with an active bonus, the maximum bet is €2. To meet the 30x wagering requirement for the 100% match deposit bonus, players must wager the sum of their deposit and bonus 30 times. Any winnings from Free Spins are credited as real money and do not require additional wagering.
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Generous bonuses offered
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VIP program available
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Wide betting range
New players aged 18 and over can receive a maximum bonus of €50. The minimum deposit required to qualify for this bonus is €20. Any bonus winnings are capped at €50. When playing with an active bonus, the maximum bet is €2. To meet the 30x wagering requirement for the 100% match deposit bonus, players must wager the sum of their deposit and bonus 30 times. Any winnings from Free Spins are credited as real money and do not require additional wagering.
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High payout rates
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User-friendly interface
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Easy registration process
New players aged 18 and over can receive a maximum bonus of €50. The minimum deposit required to qualify for this bonus is €20. Any bonus winnings are capped at €50. When playing with an active bonus, the maximum bet is €2. To meet the 30x wagering requirement for the 100% match deposit bonus, players must wager the sum of their deposit and bonus 30 times. Any winnings from Free Spins are credited as real money and do not require additional wagering.
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Innovative games featured
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Exciting promotions offered
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Trusted and licensed
New players aged 18 and over can receive a maximum bonus of €50. The minimum deposit required to qualify for this bonus is €20. Any bonus winnings are capped at €50. When playing with an active bonus, the maximum bet is €2. To meet the 30x wagering requirement for the 100% match deposit bonus, players must wager the sum of their deposit and bonus 30 times. Any winnings from Free Spins are credited as real money and do not require additional wagering.
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Multiple language options
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Fast withdrawals guaranteed
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Exclusive games available
New players aged 18 and over can receive a maximum bonus of €50. The minimum deposit required to qualify for this bonus is €20. Any bonus winnings are capped at €50. When playing with an active bonus, the maximum bet is €2. To meet the 30x wagering requirement for the 100% match deposit bonus, players must wager the sum of their deposit and bonus 30 times. Any winnings from Free Spins are credited as real money and do not require additional wagering.
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Many progressive jackpots
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Multiple currencies accepted
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Unique gaming experience
New players aged 18 and over can receive a maximum bonus of €50. The minimum deposit required to qualify for this bonus is €20. Any bonus winnings are capped at €50. When playing with an active bonus, the maximum bet is €2. To meet the 30x wagering requirement for the 100% match deposit bonus, players must wager the sum of their deposit and bonus 30 times. Any winnings from Free Spins are credited as real money and do not require additional wagering.
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100% fair gaming
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Accessible from anywhere
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Multilingual customer support
New players aged 18 and over can receive a maximum bonus of €50. The minimum deposit required to qualify for this bonus is €20. Any bonus winnings are capped at €50. When playing with an active bonus, the maximum bet is €2. To meet the 30x wagering requirement for the 100% match deposit bonus, players must wager the sum of their deposit and bonus 30 times. Any winnings from Free Spins are credited as real money and do not require additional wagering.
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Large variety of games
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Great software providers
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Quick and easy payouts
New players aged 18 and over can receive a maximum bonus of €50. The minimum deposit required to qualify for this bonus is €20. Any bonus winnings are capped at €50. When playing with an active bonus, the maximum bet is €2. To meet the 30x wagering requirement for the 100% match deposit bonus, players must wager the sum of their deposit and bonus 30 times. Any winnings from Free Spins are credited as real money and do not require additional wagering.
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High-quality graphics
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Great reputation
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Regular tournaments
New players aged 18 and over can receive a maximum bonus of €50. The minimum deposit required to qualify for this bonus is €20. Any bonus winnings are capped at €50. When playing with an active bonus, the maximum bet is €2. To meet the 30x wagering requirement for the 100% match deposit bonus, players must wager the sum of their deposit and bonus 30 times. Any winnings from Free Spins are credited as real money and do not require additional wagering.
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Advanced security measures
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Fast verification process
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Superb game graphics
New players aged 18 and over can receive a maximum bonus of €50. The minimum deposit required to qualify for this bonus is €20. Any bonus winnings are capped at €50. When playing with an active bonus, the maximum bet is €2. To meet the 30x wagering requirement for the 100% match deposit bonus, players must wager the sum of their deposit and bonus 30 times. Any winnings from Free Spins are credited as real money and do not require additional wagering.
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Popular payment options
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Live chat available
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Multiple device compatibility
New players aged 18 and over can receive a maximum bonus of €50. The minimum deposit required to qualify for this bonus is €20. Any bonus winnings are capped at €50. When playing with an active bonus, the maximum bet is €2. To meet the 30x wagering requirement for the 100% match deposit bonus, players must wager the sum of their deposit and bonus 30 times. Any winnings from Free Spins are credited as real money and do not require additional wagering.
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Top-notch animations
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Exciting bonus rounds
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High withdrawal limits
New players aged 18 and over can receive a maximum bonus of €50. The minimum deposit required to qualify for this bonus is €20. Any bonus winnings are capped at €50. When playing with an active bonus, the maximum bet is €2. To meet the 30x wagering requirement for the 100% match deposit bonus, players must wager the sum of their deposit and bonus 30 times. Any winnings from Free Spins are credited as real money and do not require additional wagering.
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Constantly updated selection
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Regular bonus offers
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Safe and reliable
New players aged 18 and over can receive a maximum bonus of €50. The minimum deposit required to qualify for this bonus is €20. Any bonus winnings are capped at €50. When playing with an active bonus, the maximum bet is €2. To meet the 30x wagering requirement for the 100% match deposit bonus, players must wager the sum of their deposit and bonus 30 times. Any winnings from Free Spins are credited as real money and do not require additional wagering.
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Lightning fast payouts
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Thrilling game portfolio
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Many payment methods
New players aged 18 and over can receive a maximum bonus of €50. The minimum deposit required to qualify for this bonus is €20. Any bonus winnings are capped at €50. When playing with an active bonus, the maximum bet is €2. To meet the 30x wagering requirement for the 100% match deposit bonus, players must wager the sum of their deposit and bonus 30 times. Any winnings from Free Spins are credited as real money and do not require additional wagering.
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What is Payforit?
Payforit is a mobile payment method that allows users in the UK to make purchases and payments using their mobile devices. It was developed jointly by major UK mobile network operators such as Vodafone, O2, EE, and Three, and it is regulated by Phone-paid Services Authority (PSA).
With Payforit, users can make payments for various goods and services, including online purchases, digital content, and even deposits at online casinos. The payment is charged to the user’s mobile phone bill or deducted from their pay-as-you-go credit, making it a convenient and hassle-free way to make transactions.
Payforit is widely accepted at many online casinos in the UK, allowing players to make quick and easy deposits without needing a credit card or bank account. The payment method is secure and convenient, making it a popular choice for many casino players in the UK.
Payforit does not require an account.
Payforit is a mobile payment service that does not require users to sign up or create an account. Instead, users can use their mobile phones to make payments and purchases using their existing phone bill or pay-as-you-go credit.
To use Payforit, all you need is a mobile phone registered with a UK mobile network operator such as Vodafone, EE, O2, or Three. You can then visit a website or online store that accepts Payforit payments, select Payforit as your payment method, and follow the on-screen instructions to complete the transaction.
When making a Payforit payment, you will typically be asked to enter your mobile phone number, which will be used to verify the payment. You will then receive an SMS message with instructions on completing the payment, which may include entering a code or replying to the message to confirm the transaction.
It’s important to note that Payforit has a maximum daily deposit limit of £30, so it may not be suitable for more significant transactions. Additionally, you should always use a reputable website or online store when making a Payforit payment to avoid scams or fraud.
How do deposit using Payforit
Depositing funds using a Payforit is a straightforward process that can be completed in just a few easy steps. Here’s a quick guide to help you get started:
- Choose a Payforit casino: First, you’ll need to find a reputable Payforit casino that accepts this payment method. Next, you can check our list of recommended Payforit casinos to find a suitable platform for your gaming needs.
- Select Payforit as your payment method: Once you’ve found a casino that accepts Payforit, navigate to the cashier or deposit section and select Payforit as your preferred payment method.
- Enter the deposit amount: You must enter the amount you wish to deposit. Payforit has a maximum deposit limit of £30 per day, so remember this when making your transaction.
- Confirm your payment: Once you’ve entered the deposit amount, you’ll be asked to confirm. You must provide your mobile phone number and verify the transaction by responding to an SMS message.
- Start playing: Once your payment has been confirmed, the funds will be added to your casino account, and you can play your favourite games.
It’s important to note that Payforit is a deposit-only payment method, so you’ll need to choose an alternative withdrawal option when cashing out your winnings. But, overall, using a Payforit account to deposit at online casinos is a quick and easy way to fund your gaming account, with no need for a credit card or bank account.
Who is Payforit made for?
Everyone can use Payforit, regardless of which mobile network they are on, so it is not limited to only one grid for mobile devices. As a result, visitors with mobile devices using the networks EE, O2, three and Vodafone won’t experience any issues when accessing websites that utilize Payforit, and those using other networks like Virgin Mobile and Tesco Mobile won’t either. So give them a phone or email them to find out if your mobile network provider permits Payforit; otherwise, we’re confident they won’t object to you using Payforit sites.
Those who use pay-as-you-go and mobile phone contracts can use the Payforit system, it should be mentioned. If you are on a contract, remember that the bill will be included in your subsequent mobile phone bill while planning your budget. The funds are promptly deducted from the balance of users of pay-as-you-go devices.
Benefits of Payforit
- PFI automates processes for parents and schools, reducing errors and facilitating easy access to up-to-date information.
- The parents may make payments whenever convenient, using a credit card or an ACH (Electronic Check) system.
- PFI supports increased contact between the district, the schools, and the parents.
- PFI encourages uniformity among all district fees.
- Supplying the district and the parents with thorough information and efficiency.
What you should be aware of with PayForIt betting
Online gamblers now frequently use Payforit for a variety of reasons. The highest levels of casino online security are provided, making it ideal for betting. By adding Payforit to the sportsbook account, you can transfer money without worry, withdraw earnings, and place bets. Spend more time placing winning wagers and less time fretting.
- Leading sportsbooks accept the secure online payment option PayForIt.
- With immediate access to your deposits using this e-wallet, you can place bets right now.
- Within 24 hours, withdrawals are processed from the betting account to PayForIt.
- Users of PayForIt gain access to the most recent internet security measures.
Payforit casinos’ key features
Is it worthwhile to take a little more time to hunt for casinos that accept Payforit, you might be asking yourself? Do they significantly improve my gambling experience in any way?
For your convenience, we’ve broken them down so you can choose more easily:
- Made for UK players: Payforit casinos, designed explicitly for UK gamers, offer flexible spending because they support one-time and recurring payments. You can set your monthly bill at the same amount to better manage your finances. Every UK mobile network can also use the service (e.g. T-Mobile, Vodafone, Orange, etc.).
- Licensed by UKGC: If you’re searching for a safe, reputable, and dependable online casino to pay for it, our crew only chooses and suggests operators who have obtained a license from the UK Gambling Commission. Numerous have additional licenses from other regulatory agencies like the Malta Gaming Authority or the Alderney Gambling Control Commission. By doing this, we can guarantee that our readers can easily make deposits at their preferred mobile casinos while still receiving the best levels of security and quality.
- Acceptance of all mobile devices: When we review and rank operators, we also check that every Payforit casino we recommend will be compatible with various mobile devices, including smartphones and tablets with the Android and iOS operating systems. We are aware of how crucial having the ability to pay for your preferred slot games at any time, even while on the road.
- Numerous slots and table games: When evaluating pay-for-it sites, we pay close attention to the variety of games offered, which may be the most crucial factor for our readers. Finding a Payforit mobile casino takes time and effort, so there’s no point in searching for one only to discover that it doesn’t have the games you desire. For this reason, we only choose online casinos that offer various games, including online slots, table games, bingo, lottery, and live dealer games.
PayForIt casino deposits on UK gambling sites
If you’ve never heard of this cutting-edge payment option before, don’t worry; we’ll walk you through the process and demonstrate how to use it on online casino websites. Here is a short tutorial that walks you through the process of utilizing PayForIt to fund your casino account:
- Select a casino: You don’t need to search the internet for such websites because we have provided the top choices on this page. You can read the complete evaluation for a thorough description of a site’s features if you’re unsure if it will be to your taste.
- Create a user account: This step needs no explanation. Just click the registration tab and proceed as instructed. Your name, location, and maybe the welcome bonus coupon code will be required of you. Following registration, you must submit KYC checks and verify your account in accordance with UKGC requirements. Remember that you won’t be able to make deposits until your ID has been verified.
- Select the “Deposit” tab: The deposit button in your account lobby. The deposit button is typically prominently placed across the header.
- From the list, pick PayForIt: When you open the deposit bar, you will be given a selection of payment options. Choose PayForIt (also known as “Pay by Phone” or another name that sounds similar). Then, add the amount you want to deposit along with your cell phone number.
- Verify your payment: When you enter your phone number, an SMS with a 6-digit code will be delivered to your smartphone. Use that code to verify the transaction on the casino’s cashier website. The money will nearly immediately appear in your account.
Fees and Limits with Payforit
The payment system does not charge an additional commission when processing payments to casino websites, although the casino operator may still impose a minor fee. Therefore, before making any financial commitments, it is always a good idea to read the small print of the PayForIt casino’s banking T&C.
The approach best suits casual gamers since deposit restrictions are modest, at just £30 per transaction.
Can You Withdraw Money From PayForIt Casino Sites?
You cannot use this payment method to withdraw money from a casino because it is restricted to deposits only. You’ll have several options to cash out your wins at PayForIt casino UK sites because they frequently provide hundreds of alternatives. These may consist of the following:
- Debit cards from VISA and MasterCard
- E-wallets: Trustly, Skrill, PayPal, MuchBetter, PayPal, ecoPayz, and Neteller
- Bank transfer
- Cryptocurrencies
UK online casinos accepting Payforit with casino bonus
But now that we’re in a new era, Payforit casino sites are pushing the sector forward. Anyone with a smartphone can use Payforit because there are no costs, no account creation required, and deposits are quick.
Check out our list of the best Payforit mobile casino sites if you want to give it a shot:
- NetBet with a deposit bonus limit of £30 and license number of 39170
- Dunder with a deposit bonus limit of £30 and license number of 39575
- Guts with a deposit bonus limit of £30 and license number of 56427
- 32 Red with a deposit bonus limit of £30 and license number 39430
Advantages
- Regulated by PSA: The Phone-Paid Services Authority (PSA), a UK regulator, oversees the regulation of Payforit Casinos. PSA is responsible for ensuring that mobile payments are fair for clients. All casinos that take Payforit must register with PSA before they can operate, and they monitor these activities and offer player protection.
- Enhanced security: Since bank cards and other modern payment methods require you to reveal your financial and personal information each time you make a transaction, they are susceptible to data theft. Because just your phone number is revealed, a Payforit casino enables you to avoid this and keep greater privacy.
- Users play now and pay later: You can enjoy your favourite casino games while delaying payment by depositing at a Payforit casino, which will be added to your next monthly bill. This allows you to enjoy your favourite casino games without having to make a payment immediately.
- No sign-up: However, to utilize most contemporary payment methods, such as online e-wallets or banking, you must first create an account and submit personal information. If you don’t want to do that, go to the nearest Payforit casino; all you need to utilize the service is a legitimate UK mobile phone number when checking out; no account is required. For your Payforit mobile casinos, use a valid UK phone number provided by UK mobile operators.
- Compatibility with all mobile devices: Whether you choose an Android or iOS tablet or smartphone, the system operates without any compatibility issues or error hazards.
Disadvantages
- Refunds are complicated: Refunds are challenging to process because Payforit is merely acting as an intermediary. If something goes wrong when you make a purchase or register for an online casino, your only option is to contact the merchant directly. Without demonstrating fraud, neither your mobile network nor Payforit frequently reimburses transactions. Because of this, you should only sign up with a reliable Payforit casino with helpful customer service so you can talk to them about any problems you have immediately.
- Small maximum deposit limit: A Payforit casino is sadly not a choice for high rollers because of the service’s extremely low daily and monthly restrictions of £30 and £50, respectively.
- Do not allow withdrawal: It cannot be used to make withdrawals, which makes it necessary for service customers to find other payment methods to cash out, which might be a little annoying.
- For UK citizens: You must either be a resident of the UK or have a UK number to use it.
Payforit Games on Mobile Casinos
Payforit casinos are much like traditional casinos in that you have access to the same selection of games, software, and bonuses. Any of the following are options to try your luck in:
Payforit Slots
Every time you spin your favourite slot machine, it will be charged to your phone, which seems like the ideal method to gamble, especially when you’re on the road. With a Payforit UK casino like Betfair or LeoVegas, you can play classic, 3D, and Vegas-style slots from your phone and even win a game-changing prize if you choose progressive games like Major Millions or Mega Moolah.
If you prefer NetEnt, Microgaming, Play’N Go, Betsoft, or Endorphina slots, among others, you may find an extended range of software developers to pick from. These titles provide precise pay rates of at least an average of 95% and are fair and audited.
Top Slots PayForIt sites
Here are our top 3 selections that you shouldn’t miss if you’re seeking the best PayForIt casinos that are optimized for mobile users and offer top-tier promotions, a ton of slots, and fantastic platforms to play on:
- Dream Palace Casino
If you want the most significant mobile experience, Dream Palace Casino is a terrific option. Two of the most popular online slots in the world, Book of Dead and Starburst, are included in the operator’s generous welcome package, which also includes up to £1000 in cashback on weekends. Additionally, there is a wide range of mobile games, including Piggy Payout, Secret Garden, and Fluffy Favourites. It is a fantastic casino that accepts phone bills and provides live chat or email service around-the-clock.
- CK Casino
If you’re a high roller or VIP player seeking the top slots with progressive jackpots, such as Leprechaun Goes To Hell, Fireworks Frenzy, or Gunslinger: Reloaded, CK Casino is a wise choice. The casino has a fantastic rewards program that enables you to win prizes on your wagers, like free spins, deposit bonuses, additional credit, or cash-back. In addition to mobile billing choices, you may finance your account using e-wallets like MuchBetter or PayPal and test hundreds of new slots from developers like Blueprint Gaming, Microgaming, or Evolution.
- SlotsUK
Anyone who enjoys playing slots should try SlotsUK because of their incredible welcome bonus, which includes up to 500 free spins on Starburst for just a £10 deposit. You can tell right away that their platform is oriented for UK gamblers by the British flag, the treasure chests, and the double-decker buses, so you’ll feel at home.
SlotsUK, the provider, offers a vast selection of well-known online slots in the United Kingdom, including Starburst, Fluffy Favourites, and Rainbow Riches. In addition, there are video slots, traditional slot machines, new releases, and 3D slots. You can quickly fund your account using a bank card, Paysafecard, or a mobile payment method.
Tabletop and card games
Look no more than a Payforit casino if you enjoy well-liked card and table games like Single Deck Blackjack or European Roulette. The good news is that you can indulge in high Payrate, low-house edge games while still engaging in mobile gaming. To spice up your gaming session, you may find at least 2-3 varieties of any game genre from reputable software developers like Playtech or Evolution, whether it be roulette, video poker, baccarat, or blackjack.
Live Casino Games
Nothing beats the thrilling experience of playing with a genuine, English-speaking dealer and watching the roulette wheel or cards be shuffled in real-time. The top games from Evolution Gaming, NetEnt, or Ezugi are included in an attractive live casino offer if you choose a mobile casino Payforit.
You may also test a lot of profitable varieties here, such as Auto Roulette and Free Bet Blackjack. All users need is a solid mobile connection so the stream won’t lag, and they can transport Vegas into the comfort of their living room and onto their screen.
Deposit at Payforit mobile casino other than pay for it
If the information above hasn’t persuaded you to try a Payforit casino yet, you’ll be happy to hear that there are many different mobile payment options available. Some only work for deposits, while others are equally useful for withdrawals.
Additionally, there can be minor variations in global coverage and costs, but we’ll explain everything you need to know in plain English:
- Boku: It works just like Payforit; you can use it to make payments by entering your phone number without creating a bank account, and the £30 spending cap applies. On gaming and entertainment websites, it is quite well-liked. One drawback is that some Verizon or AT&T prepaid phones are incompatible with it.
- Zimpler: A Swedish payment system called Zimpler enables you to use your smartphone to make immediate bank purchases. It has grown to be incredibly well-liked at all online casinos because it can be used for withdrawals. The biggest financial institutions in Europe can also use it.
- Siru Mobile: Another fantastic choice for mobile gamblers is Siru Mobile. Over 400 retailers worldwide, including online casinos, use this reliable method. Additionally, it works with the UK’s Orange and Vodafone mobile networks. The best benefit, in my opinion, is that you can wager now and pay afterwards because the fees will be applied to your subsequent phone bill.
- Landline: Landlines may be somewhat old-fashioned and outdated, but they may be a terrific resource for older gamblers who want to use a phone to deposit but don’t want to understand the complicated processes involved with doing so with a smartphone. To validate the deposit, all you need to do is enter your phone number. The fall in casinos accepting deposits made over landlines is a drawback, though.
- Apple Pay: The fact that their mobile payment solution is compatible with all devices, including iPhones and iPads, makes it incredibly easy for UK gamers who own at least one Apple device. Additionally, it allows people to pay with their phone without having to enter their card information each time because, once they enrol on a card, the app will keep it stored.
How We Evaluate The Best UK Payforit Casinos and Sportsbooks
It’s not as simple as it sounds to rank the best Payforit casino sites. There are several factors to take into account.
A casino shouldn’t be on our list if it charges Payforit fees. Given that the mobile payment method is free, it is immoral for a casino to impose a fee.
When assessing a Payforit mobile casino, our industry professionals consider several factors, including the casino’s licensing, security, game variety, and bonuses. The good news is that we’ve put together a trustworthy directory of Payforit-enabled online casinos. Any casino patron should expect nothing less than the best.
Are there deposit fees at Payforit casinos?
Not at all, no. As you are not using conventional banking methods to finance your account, a Payforit casino deposit is free. However, using this service can incur a small cost from a UK Payforit casino. Your financial outlay will depend on the casino. Although most reputable online casinos won’t, some might, so you should read the conditions and terms to ensure you’re not being taken advantage of.
What other casino deposit methods are there to Payforit?
The low deposit limitations are the only aspect of a Payforit casino deposit that players might find objectionable. The maximum deposit you may make in a single transaction is £30, making it clear that big rollers shouldn’t use it. The good news is that Payforit casino sites accept various alternative deposits. Neteller and Skrill are examples of e-wallets that fulfil this description. Using a bank transfer is the best option to deposit more significant amounts of money.
What happens if Payforit isn’t available at a UK casino?
Try alternative mobile payment processors like Pay By Phone, Pay By Mobile, Mobile Pay, and many others if you can’t find a UK Payforit casino. They all essentially operate similarly, but read the terms and conditions before using one.
Conclusion
Most British casino websites now support this mobile payment method, which recently entered the mainstream iGaming industry. Convenience, security, and usability, among others, have been its critical success factors.
You don’t need to go through time-consuming enrollment processes or verification procedures to top up your PayForIt online casino account and begin playing. What’s more, the procedure is completely secure because you won’t have to provide any of your personal or financial information.
PayForIt (PFI) is an online payment system that makes it easier for school districts to pay bills, collect money, and balance their accounts. It makes it simple and quick for parents to fund accounts and pay fees online. In addition, parents can choose to receive and control email notifications regarding their children’s accounts through PayForIt.