Why underwriters look closely at sweepstakes
Close to gambling law
A sweepstakes must offer a free way to enter. Without one, it can be illegal gambling.
Changing state laws
Several states have passed or proposed bans on online sweepstakes casinos.
Player disputes
Players who lose sometimes dispute their purchases.
A payment setup that fits
How we usually set up sweepstakes operators. Your consultant tailors it to how you actually sell.
- 1
A real free entry method
A no-purchase alternative that is easy to find and use.
- 2
Geofencing
Block states where your model isn’t allowed.
- 3
Purchase limits
Daily limits, and identity checks on large purchases.
What you’ll need to apply
Have these ready and your application moves faster. Your consultant confirms the exact list for the processor you’re matched with.
- Government ID for every owner with 25% or more
- Voided business check or bank letter
- Recent business bank statements
- Recent processing statements, if you have taken cards before
- Articles of incorporation and EIN letter
- A website with clear pricing, refund, cancellation and contact details
- Official rules, including the free method of entry
- Legal opinion on your model
- Geolocation and age verification providers
- States served
Why applications get declined, and how to avoid it
- No genuine free method of entry
- Operating in states that ban the model
- No age or identity checks
We review your website, policies and statements against these before anything is submitted.
Keeping the account healthy after approval
Getting approved is half the job. These habits keep your account in good standing, and our platform tracks the numbers behind them for you.
- Keep the free entry method visible, not buried
- Update restricted-state lists as laws change
- Verify identity before prize redemption
Sweepstakes: common questions
What makes a sweepstakes legal?
Generally, no purchase necessary: a free way to enter with the same odds. State rules vary and are changing fast, so your counsel should sign off on your model.
Are sweepstakes casinos still possible?
In some states. Several have banned or restricted them, so acquirers want to see current geofencing.
Do promotional giveaways count?
A brand running a giveaway is low risk. Platforms built around paid play are reviewed like gaming.
What happens after I’m approved?
We keep working with you. Our platform gives you one view of every account, and we review your chargebacks, approval rate, fraud tools and fees with you so the account stays healthy and gets cheaper over time.