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  1. #1
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    Default UK Credit Card Ban Coming: APCW Perspectives for 17 January, 2020


    🇬🇧 UK Credit Card Ban Coming 🇬🇧

    Our industry is set to change drastically in the United Kingdom this spring,
    as a full ban on credit cards for gambling will go into effect in April.
    But stopping the use of credit for both land based and online betting is
    only one of the changes set to impact our industry.


    WATCH ON YOUTUBE



    Links to News Stories:

    Welcome CasinoFair Affiliate Program: http://www.apcw.org/affiliate-progra...iliate-program
    Britain bans betting with credit cards: https://uk.reuters.com/article/uk-br...-idUKKBN1ZD2EU
    UK operators must implement Gamstop: https://casinobeats.com/2020/01/14/u...heme-by-april/
    UKGC Considers Banning VIP Schemes: https://europeangaming.eu/portal/com...g-vip-schemes/
    Ban on credit cards does not go far enough: https://www.independent.co.uk/news/b...-a9281956.html

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  3. #2
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    As if our industry isn't struggling enough and now they want to put this ban on these people's credit cards. If a person wants to gamble and place big bets here and there, they will always find some way to do it, regardless of a credit card. I'm always learning new things from your helpful videos, Jay Todd. Until next week.

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  5. #3
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    Already had instruction from one operator to remove all references to credit cards with immediate effect.

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  7. #4
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    https://uk.reuters.com/article/uk-br...-idUKKBN1ZD2EU

    Culture Minister Helen Whately said there was clear evidence of harm from consumers betting with money they don’t have.
    That statement could be transposed to "credit" in general. How many people live beyond their means, with the aid of "credit card(s)"...I would guess, spending money you don't have, would eventually cause harm to any consumer. Whether that's a gambler, is a moot point.

    While I fully support the ban on using credit to gamble with, there are players who, aren't problem gamblers. And, use their "credit card(s)" responsibly; they pay the full amount owing on said card(s) each month. So again, the majority are being penalised by a minority.

    Besides, the SOW (source of wealth) was supposed to address this issue, among others.

    If a player earns a $4K salary per/m, but is spending $10K a month gambling on a credit-card. Then their SOW either shows legit income from another source, or it doesn't. In which case, the player gets flagged.

    Aside from this gambling issue, seems Gov's., world wide, are on a mission to wrap everyone (including adults) in cotton wool.

    Yes, it's sad, when you read stories about people losing everything (their home, marriage etc., etc.) because of their gambling addiction. But, I'm sure most people at some point in their adult-life, have made bad choices, which, may have affected their own welfare. Either way, being an Adult, comes with being accountable for your own actions. No one holds a 'gun' to a person's head!

    Laws are needed in society. But... when is enough, enough? Pretty soon, you wont be able to scratch yourself, without permission

    1984 by George Orwell comes to mind... It was published in 1949.
    The last few chapters of that book, throws a sobering thought into one's mind, in relation to how politics are trying to control our lives, now.

    "Freedom is the freedom to say two plus two equals four. If that is granted, all else follows." - Winston Smith
    Last edited by AussieDave; 17 January 2020 at 3:57 pm. Reason: added more content
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    The UKGC and the government are schitzo if you ask me. On the one hand yes they want to tackle addiction which is fantastic news... the anti money laundering, source of wealth, 2 quid spin limits, gamstop, gambleaware, credit card ban etc are all fantastic news.

    But one of the biggest issues an addict faces in the UK is that there is just no escape at all from gambling. It is right up there in your face ALL THE TIME. Half of football teams are gambling sponsored. 99% of other sporting events. And just turn your TV on in the evening and you are bombarded and attacked and have gambling thrown down your throat until even the staunchest anti gambler will consider having a flutter.

    This is what needs to change first and foremost, it is sickening. Problem gamblers don't stand a chance in the UK, no matter how much therapy they receive they will be drawn back in eventually and do whatever it takes to bypass all the measures the UKGC have put in place.

    Tone down or ban the TV advertising and the poor souls may actually stand a chance with good therapy.

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    This ban is the most useless ban I've ever heard of. What about all the rest dozens of other payment methods, what about a simple wire...

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  13. #7
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    Quote Originally Posted by Sports6Cryptos View Post
    This is what needs to change first and foremost, it is sickening. Problem gamblers don't stand a chance in the UK, no matter how much therapy they receive they will be drawn back in eventually and do whatever it takes to bypass all the measures the UKGC have put in place.

    Tone down or ban the TV advertising and the poor souls may actually stand a chance with good therapy.
    Pardon me, but sickening^squared is that people who made money from all of you just described (=we) are here to be moral arbiters.

    We decided to take the money. Period.
    We are all bloodsucking ticks, hungry, devious
    each one latched on to the ass of the previous
    when the last and the first latch on it can be shown
    ass-blood sucked by the first from the last is his own

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    IF the Government has decided that people cannot be trusted to use the credit on their credit card wisely ... then surely a complete review of how banks decide to issue credit cards should be done?

    Rather than ban a single segment (gambling) surely there are many unwise decision these people will make (smoking, drinking, drugs, guns, prostitution) and the government should step in to prevent these poor unthinking people who are so easily led astray from getting a credit card in the first place.

    IN the end we should all be beholden to big brother government - and have to rely on their handouts to live from hand to mouth - and be grateful for whatever we receive from our bureaucratic overlords.

    (Warning - sarcasm detected).

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    I do not care what state does or does not. It is obvious what states will do. But if the interviews are honest, then people in fact are really retarded and nothing can be made worse by nursing them (also hardly anything can be done better by that).

    https://www.theguardian.com/lifeands...women-gamblers
    She canít bear to tell her new husband. ďIím a very intelligent, sensible, caring person so itís hard to say why I did what I did.Ē
    It is bold to say about oneself this while lying. Is the everyday lie the intelligence, sensibility or care? Amazing how people can divide their wannabe self-image from their behaviour.
    Definitely not a way out.

    Iím mostly ashamed of the lies I told everyone. Iím a very honest person and it was scary that I could lie so well. They just rolled off my tongue.
    Another pearl.
    We are all bloodsucking ticks, hungry, devious
    each one latched on to the ass of the previous
    when the last and the first latch on it can be shown
    ass-blood sucked by the first from the last is his own

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  19. #10
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    Does anyone have more details on this. Are the Gambling Commission going to stop casinos accepting credit cards. Or are the credit card providers going to be banned from letting people use their credit card for gambling?

  20. #11
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    Quote Originally Posted by mickyfu View Post
    Does anyone have more details on this. Are the Gambling Commission going to stop casinos accepting credit cards. Or are the credit card providers going to be banned from letting people use their credit card for gambling?
    In the end my guess is it will be both.

    While I agree that people should be able to spend what they want, where they want and also be expected to take responsibility for it. (such as borrowing money they can not afford to spend and gambling with it)

    But this on top of them also wanting to limit the use of debit cards is plain silly, since that is liquid funds the player already has in their account.

    Rick
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  22. #12
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    Quote Originally Posted by universal4 View Post
    also wanting to limit the use of debit cards is plain silly, since that is liquid funds the player already has in their account.
    A Visa/Mastercard Debit card # is different from a Visa/Mastercard Credit Card #. That's what identifies it as a Credit or Debit card.

    I was under the impression, the UKGC were taking steps to "ban" the use of credit-cards. Not debit cards. As you say Rick, debit cards are backed against a player's own liquid cash-assets. EG - their own funds.

    Has the UKGC now decided to place a blanket block on all Visa/Mastercard, regardless if it's a Credit or Debit card?
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  24. #13
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    Some further clarification has been posted on the GC site today: https://www.gamblingcommission.gov.u...an-and-gamstop
    Last edited by golfbettingsystem; 29 January 2020 at 2:06 pm. Reason: Updated link

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  26. #14
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    Quote Originally Posted by golfbettingsystem View Post
    Some further clarification has been posted on the GC site today: https://www.gamblingcommission.gov.u...an-and-gamstop
    Link not working for me....
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  27. #15
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    Quote Originally Posted by APCW View Post
    Link not working for me....
    Content as follows:

    The Commission recently announced that it will ban gambling with credit cards for all forms of remote gambling and for non-remote betting and that online operators will be required to participate in GAMSTOP, the multi-operator self-exclusion scheme from 31 March.

    The Commission has since received a number of queries from society lotteries on how these announcements will impact them. We have therefore provided some guidance below to assist.


    Credit cards

    The ban on accepting payment by credit card for lottery participation will apply to:

    all remote society lottery licences
    remote ancillary lottery licences, and
    remote ELM licences
    In practice, this means that lottery operators with one of these licences will no longer be able to accept payment by credit card by remote methods. These include, for example:

    online payments (e.g. by website or an app)
    payment over the telephone
    payment by email
    payment by text message
    payment sent by fax
    The ban will take effect on 14 April.

    It will apply to credit card payments from both new and existing customers paying by remote means for either subscriptions or individual entries.

    For subscriptions, this applies if you:

    take recurring subscription payments by credit card (e.g. weekly, monthly or annual credit card payments),
    those payments are taken automatically without the customer having to input their credit card details each time, and,
    the customer’s original payment was made by remote means.
    Where this is the case, you need to ensure that subscription credit card payments are no longer taken from 14 April onward. Those customers will need to pay by alternative means if they wish to continue to take part in your lotteries.

    You can accept credit card payments by remote means until 14 April. This includes where payment is made to take part in a lottery draw that takes place after this date. No further credit card payments can be accepted from the 14 April.

    Non-remote society lottery and non-remote ELM licences will however not be subject to the ban.

    What this means is that holders of non-remote lottery licences can continue to accept payment by credit card by non-remote methods, including for example:

    where payment is taken face-to-face (e.g. on retail premises or door-to-door)
    where payment is sent by post (e.g. card details are sent to the operator in the post).
    How operators might be able to comply with the ban

    We understand that one means of preventing credit card payments is for operators - or their payment processors or acquiring bank - to identify credit cards via the card’s Issuer Identification Number (the IIN, which is the first 6 to 9 digits of the number across the front of a card and which allows the merchant or acquirer to identity whether a card is credit, debit or prepaid, and to identify the issuing bank). The payment processor or acquirer, on the operator’s (merchant’s) request, could then ensure that any card identified as a credit card is prevented from moving through the payment gateway.

    Some operators may be able to put this system into effect at their end of the payment gateway without the need to ask their processor/acquirer. However, where this is not the case, we would suggest that operators contact their payment processor or their acquiring bank to understand how they could prevent credit card payments.

    E-wallets

    The ban will also apply to credit card payments made through e-wallets such as PayPal, for example. We understand that the major wallet providers will be able to put measures into effect to prevent credit card payments for gambling.

    However, operators will be responsible for only accepting payments through an e-wallet where the operator is satisfied that the e-wallet provider will prevent gambling payments by credit card from 14 April.

    We suggest that societies and ELMs also contact any e-wallet providers whose wallets they make available to their customers as a payment option, to ensure they understand how the wallet provider intends to proceed.

    Further details on the credit card ban are available in our consultation responses document.

    GAMSTOP

    The only lottery operators that need to participate in GAMSTOP are those who offer online Instant Win Games (and then only in relation to those games).

    Online instant win games (IWGs) are games that are offered through a website where it is a requirement for the customer to have an account with the operator to play. Customers play these games online, with results confirmed instantly, and there is no physical scratchcard sent to the customer.

    In contrast, scratchcard games are physical tickets and can be purchased from a retailer, charity etc. either remotely (over the telephone or via an online shop, where the tickets are then mailed out to the player) or in person.

    It is only operators that are offering online IWGs that need to participate in GAMSTOP. The sale of physical tickets via remote means is not included in the code provision for online multi-operator self-exclusion.

    Any lottery operator that is considering offering online IWGs should contact GAMSTOP (support@gamstop.co.uk) for advice and support about what they would need to do to integrate before they started to offer online IWGs.


    Posted on 29 January 2020
    EDIT: looks like they changed the link URL without a 301 redirect (tut, tut ) - link edited in the post above.

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    How worse will it get with time? You just have to look at an overall trend the UK market is heading and ask yourself if you'll want to be in this market 5-10 years from now? I know my answer...

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    I think its a good move. I dont want people getting into debt with credit cards to play. It generally is people who havent enough in the bank to justify it that stick it on the credit card and worry later.

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    Quote Originally Posted by cantona07 View Post
    I think its a good move. I dont want people getting into debt with credit cards to play. It generally is people who havent enough in the bank to justify it that stick it on the credit card and worry later.
    Don't worry, they are the kind of people who rinse credit cards and blame it on their kids. They are the reason we are now hounded by the Gambling Commission and told there are 6 billion kids living in the UK addicted to gambling.

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