Back when legal NJ online gambling first went live in November 2013, getting funds online could often prove an arduous task.
High rejection rates, limited depositing options — the industry was hindered by a number of payment processing hurdles that undoubtedly resulted in waves of disgruntled customers.
The good news for players is that the game has changed.
But with so many options now available, players can find it cumbersome to find one that fits their specific preferences. That’s where this brief guide comes in.
Best all-around depositing option: e-Check (ACH)
Although the e-Check (ACH) depositing option has been around since the industry’s infancy, it remains one of the single most reliable and convenient methods of depositing funds online.
Better yet, there isn’t a single NJ online casino site that doesn’t offer the option.
In order to utilize e-Checks, players must first possess a valid checking account. The industry’s rigid verification standards demand that a checking account be in the same name as the player’s registered online gambling account.
To make a deposit via e-Check (ACH), players will be tasked with entering in their routing and account numbers. Then, it’s simply a matter of entering in a deposit amount, any eligible promotional code, and clicking ‘Submit.’
On balance, players have more than a 80 percent chance of their deposit being accepted.
Sometimes, the ACH deposit attempt will raise a red flag from Certegy Check Services, which acts as the processor of online gambling ACH transactions in New Jersey.
In this instance, players are advised to get in touch with Certegy to pinpoint the issue. The problem may be as simple as an incorrectly entered account number, or a higher than allowed deposit amount.
In the latter instance, Golden Nugget customer service advises speaking with Certegy to see if it will raise player depositing limits.
Another real draw of ACH is that successful transactions process instantaneously, and are available for immediate use on the site. That, and withdrawals via ACH are typically lightning fast, often taking no more than 1-2 business days to hit bank accounts.
Best third-party payment processor: PayPal
The introduction of PayPal in 2015 as a depositing method was cause for celebration among NJ online casino sites, and for good reason.
PayPal is by far the most renowned and actively utilized third-party payment processor in the US, with reports of over 190 million users worldwide.
It’s also a name that has become synonymous with trust, lending even more credibility to online casinos that incorporate it.
Players attempting to make a PayPal deposit will be redirected to the PayPal page. They will then be prompted to log in to PayPal, and confirm their payment method before proceeding.
After successful authentication, funds will be available for use immediately on the site. Players can also choose to withdraw via PayPal, but in order to do so, they must first use the method for a deposit.
If there’s one drawback to PayPal, it’s that the method isn’t prevalent enough. To date, only a handful of NJ gambling websites list it, including Caesars-affiliated sites and Pala online casino.
But as regulated online gambling becomes less taboo and more widely accepted, expect PayPal’s availability to grow.
Best in-person payment method: 7-Eleven Pay Near Me
Not every player has a bank account or credit card. For them, there are two options.
The first is cash at the casino cage. Unfortunately, this is only a viable alternative for players who either live within close proximity of an Atlantic City casino, or who don’t mind hiking down to AC to complete a transaction.
The other is 7-Eleven Pay Near Me.
How this works is fairly simple:
- Players that choose the method will be sent to the Pay Near Me website, where they’ll be prompted to enter in their 5-digit zip code.
- Then, they’ll be asked if they’d like to print or have instructions sent to mobile.
- They can also locate one of the dozens of 7-Eleven stores in their area via the site.
From that point forward, follow these instructions:
- Go to a participating 7-Eleven store.
- Tell the cashier the amount.
- Press the ‘At Cashier‘ button (mobile only).
- Ask the cashier to follow next listed steps (mobile only).
- Get receipt, and the store will notify the online gambling operator of player payments.
Players that choose to print will generate a unique barcode, as opposed to using their mobile device to complete the transaction.
Limits for Pay Near Me transactions are a bit tight — up to $500 per transaction, and $10,000 per 30 days on Pala online casino — but certainly not unreasonable.
And the good news is that once the transaction is completed, funds will generally hit accounts in no time at all.
For Pay Near Me players wondering how they’ll get their winnings off their online gambling account — in the absence of a checking account, they’ll probably have to have the online casino send them a physical check.
These generally take about 7-10 business days to hit player mailboxes.