Gambling merchant accounts UK

UK gambling merchant accounts require a specialist regulated-vertical acquirer panel separate from mainstream card acceptance. Gambling is the heaviest-regulated UK vertical with the most complex chargeback and fraud profile; card networks impose specific MCC codes and processing rules, and mainstream UK acquirers (Dojo, SumUp, Square, Stripe) do not underwrite the category. Typical gambling-friendly providers are specialist gambling acquirers and tier-one international acquirers via specific programmes; expect 2.5% to 5.0% rates depending on sub-category and substantial settlement reserves. A Gambling Commission licence is required.

Legal status (UK)

Legal in UK with Gambling Commission licence. Prize draws under specific exemptions.

Acquirers accepting

  • Specialist gambling acquirers
  • Tier-one international acquirers via specific programmes

Typical pricing

Rate
2.5% to 5.0% (varies by sub-category)
Settlement reserve
Variable; can be substantial

Watch outs

  • Gambling Commission licence required.
  • Anti-money-laundering and source-of-funds checks more rigorous.
  • Card scheme rules around gambling are jurisdiction-specific.

Last reviewed: 2026-04-26.