Get a Game of Skill Merchant Account Approved in 48 Hours

No. There is no long-term contract and no early-termination penalty — accounts are month-to-month once approved.

Your EIN and formation docs, three months of processing and bank statements, a predominance-of-skill legal opinion, your geofencing rule set, government-issued ID for the principal, and a KYC/AML program summary.

A registered legal entity with a valid EIN is required, but you can apply pre-launch. New operators are approved with a legal opinion and a documented compliance plan.

Yes — that's the most common reason merchants come to us. Aggregator termination doesn't disqualify you; bring the context and we'll place you on a dedicated MID.

Yes. 2Accept places both domestic and offshore MIDs depending on your jurisdictions, volume, and payout model.

Personal credit is one factor, not a gate. Approvals weigh business model, volume, compliance, and processing history — merchants with weak credit are regularly approved.

Via REST API, hosted checkout, or our iOS/Android SDK. Most operators are integrated the same day credentials are issued.

Real-money skill gaming is priced at the top high-risk tier, typically from 4.95% + $0.30, quoted before you commit based on volume, dispute history, and payout model.

Yes. As you build processing history and hold a low chargeback ratio, rates and reserve terms are reviewed and can be reduced.

Interchange is the fee the card networks set and pay to issuers. Interchange-plus pricing passes it through transparently with a fixed markup, available on qualifying accounts.

No. Gateway, reserve, and per-transaction terms are disclosed in your MPA up front — nothing is added silently.

Funding is typically next-day to 48 hours depending on the acquirer and your reserve schedule.

Some acquirers set a small monthly minimum; it's disclosed before you sign and is waived on higher-volume accounts.

Usually yes — a 5–10% rolling reserve is standard at the top tier to cover dispute exposure, and it's released on a rolling schedule.

Real-money contests carry elevated dispute exposure, vary in legality by state, and resemble gambling on the surface — so card networks classify them high risk and require a specialized MID.

Yes — most jurisdictions apply a predominance-of-skill (or material-element) test. If skill, not chance, predominantly determines the outcome, the contest is treated as a game of skill.

Cash duels, bracket and ladder tournaments, daily and season fantasy, trivia and puzzle prize games, skill-arcade redemption apps, and esports head-to-head contests.

Yes, with per-state eligibility and geofencing. Both are underwritten regularly at the top tier.

Sweepstakes and paid-entry skill contests are underwritten differently and are usually structured as separate MIDs under one master relationship so ratios stay isolated.

Yes. Offshore MIDs are available for operators whose jurisdictions or volume call for them.

Yes. High-ticket entry fees are supported with 3-D Secure step-up and enhanced KYC to control fraud on large transactions.

Approximately 98% of complete, compliant applications are approved. The biggest driver of rejection is a missing legal opinion or geofencing plan.

The initial review is a soft, no-credit-pull underwriting check. A hard pull only occurs if you proceed and it's disclosed first.

Most complete applications are reviewed within one business hour, with go-live inside 48 hours.

MATCH-listed merchants are considered case by case. Bring the context and we'll tell you honestly whether we can place you and on what terms.

Yes. New operators are approved with a legal opinion, a compliance plan, and bank statements in place of processing history.

Most commonly a missing predominance-of-skill opinion, no geofencing for restricted states, or an incomplete KYC/AML program.

A clear legal opinion, documented geofencing, a named compliance contact, clean statements, and responsible-play deposit limits.

Yes. Deposit-and-play evidence packages — device fingerprint, geolocation, login history, and gameplay logs — are built to win friendly-fraud representments.

Our dispute team files evidence packages that typically resolve within 45 days of the chargeback.

On authenticated transactions it shifts liability to the issuer, removing most fraud-based chargebacks on compliant deposit flows.

A refund is you returning funds voluntarily; a chargeback is the issuer reversing a charge on the cardholder's dispute — and it counts against your ratio.

A network program (Visa/Mastercard) triggered when your ratio exceeds thresholds. Our alerts and reserves are designed to keep you well below them.

Generally sustained ratios above ~0.9% (Visa) risk monitoring programs. We watch this monthly and intervene early.

Ethoca and Verifi notify you the moment a cardholder disputes, so you can refund inside the window before it becomes a chargeback.

Stripe and Square restrict real-money gaming and freeze or terminate on detection. 2Accept gives you a dedicated MID with a gaming-friendly acquirer that survives dispute spikes.

PayPal's user agreement prohibits most real-money contests and holds funds aggressively. A dedicated MID keeps your funds and your account under your control.

Yes — REST API, hosted checkout, mobile SDKs, and popular carts. If you have a custom stack, we integrate at the gateway layer.

Yes. Multi-MID cascading load-balances volume across accounts and fails over automatically for redundancy.

We specialize in real-money gaming underwriting with predominance-of-skill expertise, geofencing, and a full chargeback-defense stack — not generic high-risk placement.

Those are gateways, not acquirers. We provision the underlying MID and can run it behind NMI or Authorize.net if you prefer.

In most cases yes — we can place a new MID behind your existing gateway with minimal reintegration.