Losing Online Gambling Money and Getting Credit Card Chargeback—What Canadian Players Should Know

Chargeback is a process that enables cardholders to dispute charges made to their debit or credit cards. When a chargeback is initiated, the card issuer investigates the disputed charge and, if found to be unauthorized or fraudulent, reverses the transaction and refunds the money to the cardholder. 

Chargebacks can be useful for casino enthusiasts who have been the victims of fraud, double charges for the same transaction, or some other unauthorized activity—but not all chargeback requests are legitimate or possible.

Disputing Credit Card Charges—Online Gambling Rules

Attempting to use chargeback to recover online gambling losses is a fraudulent activity, and players caught attempting to misuse it in this manner could face serious consequences. 

If you decide to dispute an unauthorized charge, it’s important to understand that this process can take time and may not always result in a favourable outcome. To avoid dodgy transactions, Canadian players and all other gamers should only play at reputable online casinos. These establishments are licensed and regulated and facilitate a safe environment and fair gaming experience. By playing at these casinos, you can minimize the risk of fraud and be sure that your personal and financial information is secure, so there probably won’t be the need to dispute charges made to your account.

How Does Chargeback Work? 

When requesting a chargeback, each bank or credit card provider has its eligibility criteria. If your payment provider determines your eligibility, a temporary refund may be issued, which won’t be deducted if the chargeback is successful.

Keep in mind that the bank will notify the online casino involved about your request. If not justified, the casino will try to dispute the chargeback. This process can take days or even weeks. The casino can provide its evidence, and your bank will review it. Additional information can be requested from you during this process, further extending it. Banks usually take 30 to 90 days to determine the outcome. 

It’s important to note that requesting chargeback can have consequences because online venues can ban you and share a banned player list with other gaming sites.

10 Reputable Online Venues With Secure Payment Methods

We’ve compiled a list of some of the most reputable online casinos that prioritize fair play and secure payment options and provide an enjoyable gaming experience, removing risks of fraud or unauthorized transactions:

Lucky Days

Lucky Days was established in 2019 by L7 Entertainment Ltd and has become one of the most prominent gaming venues in Canada. The casino offers a secure and captivating gaming experience, with an impressive list of game providers and a sleek mobile app for convenient play on the go. In Canada, Lucky Days operates under the regulation of the Alcohol and Gaming Commission of Ontario (AGCO), ensuring fair gaming. L7 Entertainment also holds licenses from the: 

1. Malta Gaming Authority (MGA)
2. Swedish Gambling Authority (SGA)
3. Kahnawake Gaming Commission (KGC)
4. Curaçao Gaming Control Board (GCB)

Lucky Days offers various payment methods, including:

• Visa and Mastercard (debit or credit cards)
• ecoPayz
• eCheck
• Interac
• MuchBetter
• Instadebit
• Paysafecard

The minimum deposit amount is $10, and the name on the payment method must match the name used to register at the casino to prevent fraud and money laundering. The casino does not charge additional withdrawal fees, but specific charges depend on the banking option and currency used. If the player hasn’t verified their identity before, the withdrawals may take up to five days to process.

The casino strives to provide a safe and secure gaming environment and is committed to promoting responsible gaming practices—players are encouraged to evaluate their gaming habits by taking a quiz available on the website.

Ruby Fortune

Ruby Fortune has been operating successfully for over two decades. The casino first entered the online casino market in 2003 and has since established a reputation for providing players with a vast selection of enticing games and excellent service. 

Ruby Fortune is owned by Cadtree Ltd. and holds licenses from the:

1. Alcohol and Gaming Commission of Ontario (AGCO)
2. Malta Gaming Authority (MGA)
3. Kahnawake Gaming Commission (KGC)
4. Swedish Gambling Authority (SGA)

The casino’s credibility and fairness have been certified by eCOGRA, further confirming its reputation and accountability. 

Ruby Fortune offers several secure banking options:

• Visa and Mastercard (debit or credit cards)
• Direct bank transfer
• Instadebit
• MuchBetter
• Apple Pay
• Interac Online
• Paysafecard

The minimum deposit amount is $10, and the minimum withdrawal amount is $50. Withdrawals can’t be made with Interac Online, Apple Pay, or Paysafecard. It may take up to two days for withdrawal processing, depending on the chosen method.

To ensure responsible gaming practices, Ruby Fortune provides tools to help players regulate their gaming behaviour, including:

• Self-exclusion options
• Self-assessment tests
• Limit-setting controls

The limit-setting options allow players to set deposit and loss limits on a daily, weekly, or monthly basis.

PokerStars Casino

PokerStars Casino is a subsidiary of the globally renowned online poker platform—PokerStars. It was founded in 2015 by the Stars Group and was later acquired by Flutter Entertainment plc. The casino has a versatile game portfolio, including slots, table games, and live dealer games, giving you an authentic casino experience. PokerStars Casino holds licenses issued by the Alcohol and Gaming Commission of Ontario (AGCO) and the international gaming authorities:

1. Malta Gaming Authority (MGA)
2. United Kingdom Gaming Commission (UKGC)
3. Seneca Gaming Commission (SGC)

Players at Pokerstars Casino can transfer funds to and from their accounts using several banking options, such as:

• Visa, Mastercard (debit or credit cards)
• Apple Pay
• MuchBetter
• Interac 
• Instadebit
• Instant eChecks
• Paysafecard

To prevent fraudulent activities, PokerStars Casino requires that the same method must be used for deposits and withdrawals. Withdrawals can’t be made using credit cards, debit cards, Apple Pay, or Paysafecard. This is set as a security measure to prevent players from any type of scam. The withdrawal processing time may vary depending on the selected method—from a few hours to up to ten business days.

Royal Vegas

Royal Vegas has established a reputation for being a secure gaming platform for Canadian players, with more than 20 years of presence in the casino industry. The online venue is owned by Cadtree Ltd. and licensed and regulated by the following gaming authorities:

1. Alcohol and Gaming Commission of Ontario (AGCO)
2. Malta Gaming Authority (MGA)
3. Alderney Gambling Control Commission (AGCC)

To ensure Royal Vegas games are fair, iGaming Ontario, an independent auditor, tests the random number generators (RNGs) used by the casino and has verified that games produce genuinely random and impartial results.
Royal Vegas payment options include:

• Visa and Mastercard (debit or credit cards)
• Direkt bank transfers
• eCheck
• Interac
• iDebit
• MuchBetter
• Paysafecard
• Apple Pay

The casino only supports CAD as a currency. The minimum deposit and withdrawal amount is $10, and the maximum is $5,000. Depending on the method, the processing time for withdrawals can range from two to six business days, as shown in the following table:

To prevent fraudulent activities, Royal Vegas requires that the name on your banking option must match the name used for registration. 

PlayOJO

PlayOJO is a relatively new player on the Canadian online gaming market. The casino promises a transparent gaming experience, free of the typical restrictions that most players encounter when enjoying their favourite games.

Players can indulge in various table games, a live casino, and an impressive collection of slots.

In Canada, PlayOJO is licensed by the Alcohol and Gaming Commission of Ontario (AGCO). The casino also holds licenses issued by the:

1. Malta Gaming Authority (MGA)
2. United Kingdom Gambling Commission (UKGC)

An independent auditor of online gaming software, iTechLabs, has confirmed the legitimacy of the RNGs used by the casino.

PlayOJO supports several payment methods for deposits and withdrawals:

• Visa and Mastercard (debit or credit cards)
• Interac
• ecoPayz
• Jeton
• MuchBetter
• Paysafecard

The only accepted currency is CAD, and you can only withdraw funds after you’ve made at least one real money deposit. All players must confirm their identity before making their first withdrawal.

Jackpot City

Jackpot City was founded in 1998 by Cadtree Ltd., the same company that runs two more casinos on our list. It became available to Canadian players in 2022. The casino immediately made an impact on the Canadian casino market with over 400 games on its mobile-friendly website.

The establishment is committed to fair play and responsible gaming, confirmed by its licenses from the:

1. Alcohol and Gaming Commission of Ontario (AGCO)
2. Malta Gaming Authority (MGA)
3. Alderney Gambling Control Commission (AGCC)

The fairness and randomness of casino games were confirmed by iGamingOntario.
Jackpot City offers multiple payment options, including:

• Visa and Mastercard (debit or credit cards)
• Interac
• eCheck
• Apple Pay
• MuchBetter
• Instadebit
• Paysafecard

All players must verify their identity before making their first withdrawal. The withdrawal method is set by Jackpot City based on the last deposit method the player used. This protocol is designed to keep players safe and reduce the risks of fraud.

Luxury Casino

Luxury Casino was introduced by Apollo Entertainment Ltd. in 2001. The casino gained immense popularity due to its excellent slot selection, live dealer games, and video poker variants. 

The establishment operates under the regulations set by eCOGRA and ensures a safe and fair gaming experience for its players by holding licenses from the:

1. Kahnawake Gaming Commission (KGC)
2. Malta Gaming Authority (MGA)
3. United Kingdom Gambling Commission (UKGC)

Luxury Casino offers various deposit and withdrawal options, including:

• Visa and Mastercard (debit or credit cards)
• eWallets
• Neteller
• Skrill
• Paysafecard

After requesting a withdrawal, the casino takes up to 48 hours to process the transaction. Depending on the method, it may take additional 2–5 days for the funds to reach the player’s account.

Luxury Casino is committed to promoting responsible gaming and lets players set deposit limits and benefit from cooling-off/self-exclusion periods.

PartyCasino

PartyCasino, previously known as Starluck, was launched in 1997 by ElectraWorks Maple. It has become a popular gaming establishment with over 1,000 titles in its library, including slots, blackjack and roulette variants, and a live casino section.

The casino holds licenses and is regulated by the:

1. Alcohol and Gaming Commission of Ontario (AGCO) 
2. Gibraltar Gambling Commissioner (GGC)
3. United Kingdom Gambling Commission

iTech Labs conducts two types of audits on PartyCasino’s games on a monthly basis—Return-to-Player (RTP) and Random Number Generator (RNG) audits.

At PartyCasino, players can make transactions via different payment methods, including:

• Visa and Mastercard (debit or credit cards)
• Direct bank transfers
• Apple Pay
• Interac Online
• Luxon
• PayWithMyBank
• MuchBetter
• Interac eTransfer

The withdrawal method must match the deposit method, and if multiple deposit methods are used, the withdrawal amount will be divided proportionally among them. Most withdrawals are instant, except for direct bank transfers, which can take from two to four business days.

Golden Tiger

Established in 2001 and operated by Apollo Entertainment Ltd., Golden Tiger has gained a significant following due to its high payout rate, extensive game portfolio, top-grade security measures, and responsive customer support.

The casino holds licenses from the:

1. Kahnawake Gaming Commission (KGC)
2. Malta Gaming Authority (MGA)
3. United Kingdom Gambling Commission (UKGC)

Golden Tiger is certified by eCOGRA, affirming its reliability and fairness.

To transfer funds to and from your Golden Tiger account, you can select one of the following banking options:

• Visa and Mastercard (debit or credit cards)
• Direct bank transfer
• eCheck
• eWallet
• EFT in CAD

The minimum deposit for all payment methods is $10. Withdrawal fees are charged only for direct bank transfers, which incur additional charges of $50 for withdrawals up to $300 and $100 for higher amounts. Golden Tiger enforces a 48-hour pending period to process the transactions, with additional waiting time, depending on the selected method. 

For more details, check the table below:

Before processing the initial deposit or withdrawal, Golden Tiger may request verification documents to confirm your identity.

At Golden Tiger, player safety and responsible gaming are top priorities, so the casino allows setting deposit limits on a daily, weekly, or monthly basis. Any changes made to these limits will be effective after 24 hours from the time of request. Self-exclusion options are available to players who need a break. These options include a shorter cooling-off period of up to six weeks and a longer period of six months.

Casino Classic

Operated by Apollo Entertainment Ltd., Casino Classic offers over 550 casino games, including popular slots and various table games, such as poker, roulette, and blackjack.

The casino provides a secure, reliable, and enticing online gaming experience. It is regulated by the:

1. Kahnawake Gaming Commission (KGC)
2. Malta Gaming Authority (MGA)
3. United Kingdom Gambling Commission (UKGC)

According to eCOGRA, Casino Classic’s games are impartial and genuinely random.

You have various payment methods at your disposal, including:

• Visa, Mastercard, and Maestro 
• Direct bank transfers
• Pre-paid vouchers
• eWallets
• Skrill
• Neteller
• EFT in CAD

The minimum deposit is $10, and the casino supports CAD, USD, EUR, and GBP with instant deposit processing. The withdrawal time varies depending on the chosen method (as shown in the table), and the casino has a 48-hour waiting period before processing the funds, regardless of the selected banking option.

Casino Classic imposes a withdrawal fee of $50 for amounts under $3,000 or $100 for withdrawals exceeding that amount if players choose bank transfer as their preferred method.

The casino is committed to promoting responsible gaming while ensuring a fun gaming experience—players can set monthly, weekly, and daily deposit limits on their accounts.