UPayCard logo
company PAP OnPoint Services Ltd
map Nicosia, Cyprus
calendar 2013
check-circle
wallet 0.9%-7.5% (deposit), €10-€25 (bank withdrawal)
superb

CBM Rating

Superb

84.80%
reputation
87%
availability1
76%
wallet1
84%
lock
89%
headphones
88%
like
dislike
  • High account upload fees
  • Limited selection of UPayCard casinos
superb

CBM Rating

Superb

84.80%

UPayCard Review & Best UPayCard Casinos

Last updated: 15 June 2021

When it comes to casino banking methods, both players and experts tend to believe an old fallacy, which states that a payment provider’s quality is directly proportional to their experience in the industry. At first glance, this does make sense, doesn’t it? If a company has been in the game for a long time, logic dictates that it should be good. If a platform is relatively new, that should mean it’s more prone to mistakes, security flaws, and much more. Well, payment methods such as UPayCard expose this fallacy for what it is – nothing more than a false conviction.

In a world where eWallets and card providers are considered rivals, UPayCard fuses the best of both worlds and provides casino players with a myriad of useful features. That alone means this company deserves some attention. Intrigued by UPayCard’s features and popularity, we decided that it’s high time we reviewed this banking method. Thus, you will find out everything there is to know about it in the following section. We analyzed every single aspect of UPayCard, putting it to the ultimate test, just to determine whether you, the player, should use it for your online gaming needs. In addition to all of this, we also looked for the best UPayCard casinos and bonuses in order to help you have a complete gaming experience. So, strap in, relax, and prepare to play!

Top Casinos That Accept UPayCard Deposits

Even if a payment method is absolutely perfect, it’s still just a means to an end. That ‘end’ are your favorite games, of course! UPayCard may have its fair share of qualities, but they can all go to waste if you play at unsatisfactory casino sites. To aid you in avoiding these unpleasant situations, we tested some of the best UPayCard casinos on things such as security, licensing, available games, and much more. After that, we assembled an all-star cast, exemplified in the list below. You can’t go wrong with any of the casinos we presented, so all you need to do is play and have fun!

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7Bit

89.83%

18 + | New Customers Only |

T&C Apply
money-bag 100% up to 1.5 BTC
cherry 100 Free Spins
  • 10-minute cashouts
  • Impeccable reputation
  • Over 200 live dealer tables

Playamo

88.50%

18 + | New Customers Only |

T&C Apply
money-bag 100% up to $100
cherry 100 Free Spins
  • High withdrawal limits
  • Over 3,500 RNG games
  • Successful player complaint resolution

Vegas Crest

88.50%

18 + | New Customers Only |

T&C Apply
money-bag 200% up to $1,000
cherry 30 Free Spins
  • Over 900 casino games
  • Excellent reputation since 2014
  • Bitcoin payments

King Billy MGA

87.83%

18 + | New Customers Only |

T&C Apply
money-bag 100% up to €200
cherry 200 Free Spins
  • Over 4,000 casino games
  • Free deposits & withdrawals
  • Plenty of native live tables

King Billy

87.33%

18 + | New Customers Only |

T&C Apply
money-bag 100% up to $200
cherry 200 Free Spins
  • Great table game options
  • Top live dealer providers
  • Cryptocurrencies accepted

Company Background

Book icon

In the introduction, we mentioned the ‘experience fallacy’ and now we’re going to explain why it’s a fallacy in the first place. The thing is, older, more experienced companies start their life working with a set of technical standards that are state of the art during that time. However, they don’t retain that quality for long, as technology quickly becomes obsolete and gets replaced by better, more efficient methods of completing a task. Such is the case in fintech, as well.

And that’s precisely the burden of older companies, such as MoneyGram. They have to change their business method over and over again, which is bothersome and often leads to mistakes that can make or break a brand. Over time, these constant shifts in direction result in these companies falling behind.

UPayCard doesn’t have that problem. They were founded in 2013, which means they entered the game in a decade of rapid digitalization. In their words, the goal of the entire brand is to ‘offer payments products and services to meet today’s global payment needs.’ Given the fact that they offer both physical and virtual cards along with their eWallet services, you can see that they’re staying true to these goals from the get-go.

However, just because they’re a young company, that doesn’t mean they don’t have the brass to back up these goals. Their management team has almost half a century of combined experience in the financial market, giving them a level of clairvoyance needed to accurately predict what people will need in the future.

The combined set of features and services they offer is also a testament that they know what they’re doing. Most people still use their cards at online casinos, given the fact that they’re easy to use. However, they lack a lot in the security department. eWallets, on the other hand, are much safer but can be a bit hard to grasp for some people.

UPayCard combines these seemingly opposite niches into an all-in-one set of products that don’t just help people – these products teach them all the essentials needed for participating in tomorrow’s financial world. When you add things like crypto-wallet options (more on that later on), you have a versatile giant of a company that’s yet to enter its true prime.

Target Markets

Target icon

One of the first things we noticed and liked about UPayCard is that they conduct their business wisely, especially in terms of availability. In most cases, we see payment providers either focus on a single market or stretch their resources thin by offering services in too many countries. When serving only one country, a company can severely hinder its growth opportunities, potential collaborations, and much more. Of course, if the payment method is great, the rest of the world is losing out.

If they’re available in too many countries, companies can’t focus on anything and the users are left with mediocre service. UPay avoids both of these cardinal errors by offering their products to casino players in only the following 26 countries:

United Kingdom, Australia, China, Canada, Singapore, France, Hong Kong, Japan, New Zealand, Spain, Ireland, Italy, Denmark, Sweden, Finland, United Arab Emirates, Brazil, Ukraine, Poland, Norway, Germany, Belgium, Austria, Czech Republic, Slovakia, United States.

However, it’s important to know that not all of these countries allow UPayCard to be used for gambling purposes. Some of them outright forbid the use of eWallets and non-traditional payment methods at online casinos, while a large number leaves this unregulated, left to dwell in a perpetual grey area, in terms of legality.

Another reason to use UPayCard, aside from the smart way they target their markets, are the available currencies. You can use this payment method with: GBP, EUR, USD, CNY, JPY, HKD, SGD, AED, BTC, ETH, LTC, XRP, and BCH. Yes, you read that right – five cryptocurrencies! Due to some of the security measures they implement, your eWallet can also function as a crypto wallet. Just a few years ago, this would be unthinkable, but UPayCard proves once again that it’s devoted to using the latest and greatest technology in order to provide the best possible service.

How to Set Up a UPayCard Account: Step by Step Guide

Honestly, after our positive first impression of UPayCard, we weren’t at all surprised by the simplicity of their account creation process. They seemingly know how to do everything well, and this is definitely not an exception. Complete the following steps, and you’ll be one step closer to making UPayCard deposits at online casinos.

  1. Visit the official website

    Go to upaycard.com and get started by clicking on the Sign Up button.

  2. Provide your personal information

    Once you’ve done that, a window will pop up. Here, you’ll have to provide the following information: full name, date of birth, country of residence, city, address, ZIP code, email, phone number, and your preferred currency. The preferred currency is a nice touch – we haven’t seen it anywhere else.

  3. Log into your email

    There, you’ll see a verification email. In it, you will receive a special Key Code Card, which is a unique set of 120 different alphanumerical codes that are bound to your account, and your account only. You will use one code per login, as a means of two-factor authentication. Once you have used 110 of them, you’ll receive the next batch, and so on.

  4. Use your account details and one of the codes provided

    Enter your account settings and you’ll see something along the lines of Account Verification. Click on that box, and upload an in-colour scan of your government-issued ID, along with a utility bill with your name and address on it. In 12-24 hours, your account will be verified and cleared for use.

    We know what you’re thinking – more than 2-3 steps isn’t simple. Frankly, we beg to differ. This is still a very straightforward process, but it’s also additionally bolstered by a triple layer of security measures. With your account password, your login code, and account authentication, you’ll have the safest experience possible.

    Not many companies take this much care of security even BEFORE you start making deposits at online casinos. This payment method is the real deal, and they’re determined to prove this time and time again, with each encounter a player has with them. Great job!

Available Currencies

Bitcoin Cash icon

BCH

Bitcoin icon

BTC

Chinese renminbi icon

CNY

Ethereum currency icon

ETH

Euro icon

EUR

British pound icon

GBP

Hong Kong Dollar icon

HKD

Japanese yen icon

JPY

Litecoin icon

LTC

Singapore dollar icon

SGD

US Dollar icon

USD

Casino Deposits and Withdrawals

Withdrawal icon

Making UPayCard deposits at online casinos is definitely one of the smoothest experiences we’ve had in a long time. To fill up your account and finally be ready to play some enticing table games, here’s what you need to do:

  1. Visit your casino’s homepage and log in.
  2. Go to the Banking/Cashier/Deposit section.
  3. Scroll through the available deposit methods and pick UPayCard. A window will pop up.
  4. In the window that just appeared, enter the amount you want to deposit.
  5. Under the deposit amount box, you will see empty spaces where you will have to enter your UPayCard UserID, your password. Once the system registers your deposit request, you can copy a code from your Key Code Card. If the code is correct, the transaction will be cleared and the money should be in your account instantly.

There is also an alternative way to deposit with UPayCard, all while not actually using the eWallet itself. If you’ve ordered one of their cards, whether it’s a virtual or physical one, just pick MasterCard as your desired deposit option. The debit card will be registered as a regular one, with the only things you need to enter being: the card number, the expiry date, and the CVV.

For withdrawals, it’s more of the same, but in reverse. Here’s exactly how you can claim your winnings using UPayCard:

  1. Head over to your casino’s Banking/Cashier/Withdraw section.
  2. Pick UPayCard as the preferred withdrawal option.
  3. Enter the amount you want to claim and provide the necessary information: your UserID, password, and a code from the Key Code Card.
  4. Confirm the transaction and that’s it.

Just like you can use your UPayCard MasterCard for deposits, you can do the same for withdrawals. Treat it like a bank-issued debit card. Later on, you can transfer the funds to your eWallet or do some online shopping, especially if you’re using a virtual card.

Overall, this is a pretty smooth and enjoyable experience. UPayCard managed to create a process that’s both easy to see through and secure, at the same time. With other payment methods, it’s usually one of these qualities that gets sacrificed for the sake of the other. Seeing a company take no shortcuts and make no compromises is very refreshing.

Detailed Overview of Transaction Fees

Overview icon

Here’s probably the only thing UPayCard can do better. To add money to your eWallet balance, you will have to pay a hefty chunk of the amount you want to deposit. The most expensive deposit methods are other eWallets, such as Skrill and Neteller. Although we are vehemently against anti-competitive business strategies, this is a pretty shrewd move from UPayCard, as it forces you to only use their eWallet services. Qiwi takes the cake with a 7.5% fee, with most other methods hovering around the 2%-4% ballpark. Objectively, this is not an irrational amount to charge.

Cryptocurrencies also have their own fees, but they’re pretty moderate, at 0.9%-2% at most. However, withdrawals from the eWallet to your bank account are the most expensive, with a flat fee of €10-€25, depending on the amount. There are also your usual card fees if you want to use the UPayCard MasterCard, but we like the fact that shipping, handling, and activation are all free. Fortunately, there’s even more good news. Basically, if you just want to use the eWallet for casino deposits and withdrawals – EVERYTHING is free. We understand that payment providers need to charge something in order to survive, but more companies should take the approach UPayCard did – charge only the extra features and keep the necessities free.

Timeframes for UPayCard Payments at Online Casinos

Time icon

There’s nothing out of the ordinary here. All deposits are instant, which is great news if you’re feeling particularly lucky or if you have a desire to start playing right away. Even withdrawals are decent when it comes to waiting times, with the absolute worst-case scenario being 48 hours. And honestly – we never reached that number during our testing phase, with the max timeframe being 30ish hours, or a little less than one full day. Now that’s how you handle the business!

Deposit and Withdrawal Limits

Limits icon

In recent years, payment providers have been either too liberal or too strict with their transfer limits. Obviously, having no limits whatsoever can lead to problem gambling, while irrational limits can hinder the quality of your favourite activity. Yet again, UPayCard seems to hit the jackpot (we hope you do, too!) with a cleverly designed system.

While eWallet transfers are only limited by the rules set by an online casino, UPayCard users that have one of their cards can spend money 10 times a day, 50 times per week, and 100 times per month. Honestly, this is as close to ideal as one can get. You won’t feel this most of the time, but you also won’t be able to go crazy and spend too much. When it comes to online casinos that accept UPayCard, Playamo supports UPayCard deposits in the €20-€4,000 range, whereas the limit for withdrawals is €10-€4,000. The numbers are quite similar at 7Bit and King Billy.

Best UPayCard Casino Bonus

Even though UPayCard has become more popular in recent years, not too many casinos accept this payment method, which is a shame. However, many sites still offer one or two UPayCard promotions that could spice up your gaming sessions. To help you accomplish that, we did some research and found some pretty sweet deals. The list below contains the best UPayCard bonuses, all with fair wagering requirements and a pretty penny waiting for you. Pick one and start playing your favourite games.

5%-15% Weekly Cashback
Get Bonus
5%-15% Weekly Cashback

Cashback

High Roller

Not needed

None

Ongoing

€500

No maximum

93%

Up to 15% Daily Cashback
Get Bonus
Up to 15% Daily Cashback

Cashback

High Roller

Not needed

15x

Ongoing

€100

€30,000

88%

61 Free Spins on Slot of the Month
Get Bonus
61 Free Spins on Slot of the Month

Free Spins

MONTH

30x

Ongoing

$20

No maximum

85%

100% up to $200 + 200 Free Spins
Get Bonus
King Billy

Deposit

Free Spins

Not needed

30x B

Ongoing

€10

No maximum

82%

100% up to €200 + 200 Free Spins
Get Bonus
King Billy MGA

Deposit

Free Spins

Not needed

35x B

Ongoing

€10

No maximum

75%

100% up to 1.5 BTC + 100 Free Spins
Get Bonus
7Bit

Deposit

Free Spins

Not needed

40x B

Ongoing

4.2 mBTC

No maximum

74%

100% up to $100 + 100 Free Spins
Get Bonus
Playamo

Deposit

Free Spins

FIRSTDEP

50x B

Ongoing

$20

$10,000

72%

200% up to $1,000 + 30 Free Spins
Get Bonus
Vegas Crest

Deposit

Free Spins

Not needed

30x (D+B)

Ongoing

$25

$100 (Free Spins)

65%

Security

Banking security icon

UPayCard is one of the most secure payment methods, period. And we don’t mean this in the sense that they have the best security features. Well, they do, but the impact of this company goes far further than that.

You see, the very best deposit methods use great solutions to protect their customers’ data, all while not hindering or damaging the overall user experience. They use 128-bit SSL encryption to shield all stored data, which is never shared with any third parties. We’ve already mentioned the Key Code Card 2FA system. It’s definitely one of the best-executed examples of 2FA we’ve ever seen.

They’re also licensed by the Information Commissioner’s Office (ICO) in the UK, which is one of the very best credentials any payment provider can have. Solid and smooth.

Customer Support

working-hours
Working Hours

Mon-Fri: 00:00-24:00

Weekend: 00:00-24:00

comments
Chat

Yes (ZenDesk)

mobile
Phone

No

Seriously, can UPayCard do anything wrong? This is just getting preposterous. Not only do they have great staff, comprised of informed and well-trained individuals, but the way they organize their teams is also a sight to behold.

Every type of issue or matter has its own email address, which leads to better segmentation of submitted tickets, and results in quick response times. They also have a special contact form, along with an amazing rendition of ZenDesk’s award-winning software. 24/7 support is definitely a big plus, with there being no dips in performance even late at night.

Player Experiences

On literally every big review site, UPayCard has stellar reviews and an average rating of at least four stars. Casino players mostly tend to shower their customer support team with praises, citing their positive experiences and quick resolutions to problems both minor and major.

The only negative impressions we’ve seen were disgruntled business owners that had their accounts shut down for ‘no reason.’ Given the fact that UPayCard is known for its excellent anti-fraud flagging system, we believe these one-star reviews to be exaggerations and dishonest accounts of the merchants’ own wrongdoings.

Extra Features

UPayCard offers two main bonus features. The first one is, of course, the option to order a physical or virtual card. Both of them function as normal MasterCards do, with no hidden fees or irrational limitations. We ordered a few for our team, and they work like a charm. The only issue is that they can only be issued to players that reside in the European Economic Area (EEA), but this is standard procedure.

As for the second extra feature, the built-in crypto wallet, we have nothing but positive things to say. It’s safe to use for any purpose, in addition to it holding up to five different currencies at once. Combined with their stellar security features, this is everything the modern internet user needs to stay anonymous and safe.

Mobile Capability

android ios

Even though UPayCard doesn’t have a dedicated app for iOS or Android devices, the platform is perfectly usable on any smartphone. This, of course, is due to the straightforward transaction process involved when you’re playing at UPayCard casinos. You only have to enter your user ID, password, and one of the 2FA codes located on your Key Code Card. This makes it easy to conduct transactions from your smartphone, especially if you like playing mobile slots or table games. And you probably have your Key Code Card file stored in your email inbox, so depositing and withdrawing money can be done in just a few seconds. The mobile version of the site looks like a nicely scaled-down version of the desktop one, which is a job well done in our book.

Interesting Facts

  • UPayCard is one of the few payment platforms that double as a crypto wallet. Since they have the right security features, we don’t see why you shouldn’t give them a shot. Just keep the Key Code Card file safely stored somewhere.
  • UPayCard is licensed by the Information Commissioner’s Office (ICO), which gives them the right to accept users from all across the European Economic Area (EEA).
  • Few payment providers focus on both old school transaction methods (cards) and modern ones (cryptos and eWallets) - UPayCard is unique by doing so.
  • The transfer frequency limits set by UPayCard are one of the rare cases where a payment method actively promotes responsible spending.
  • Unlike most crypto-friendly platforms, UPayCard doesn't accept just Bitcoin. You can send or receive funds in Bitcoin, Bitcoin Cash, Litecoin, Ethereum, and Ripple.

FAQ

Check our list of available countries in the Target Markets section to see if you can use this payment method.

Yes, UPayCard is an eWallet, and can thus be used to store funds from your casino winnings.

Yes, this payment provider is licensed by the Information Commissioner’s Office (ICO), one of the foremost regulatory bodies in the UK.

Absolutely. It’s one of the safest payment methods currently available.

Yes, you do, but the process is simple and only takes a few minutes to complete.

Yes, contact their customer support and they’ll help you resolve the issue.

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