Payment Provider for iGaming and Betting

Direct Carrier Billing and card acquiring for licensed operators across European markets.

FMA-licensed payment institute

Principal member of Visa and Mastercard

PCI DSS Level 1 certified

GGL-approved for carrier billing

25+ years in payments

iGaming needs a payment provider with the licences, risk models and dispute tooling the vertical requires, as well as the commitment to stay. That is what DIMOCO is built for: designed payment setups for licensed sports betting, online casino and lottery operators across European markets.

Trusted across Europe

What the right deposit setup does for your operation

Lift mobile deposit conversion

Carrier Billing turns a mobile deposit into a one-tap confirmation, right when the player wants to bet.

Fewer failed transactions

Deposits from any mobile number, with no card or wallet needed to start playing.

Stay within scheme thresholds

Monitoring, fraud rules and dispute handling built to keep your ratios inside scheme limits.

Direct Carrier Billing for iGaming deposits

Deposits at the speed of play

Mobile has become the primary channel for iGaming and betting. When players want to deposit quickly, a simple payment flow can make the difference between competing or abandoning the transaction.

Direct Carrier Billing removes the form entirely. Players confirm payments on their mobile device, and the deposit is charged to their mobile bill. An average Carrier Billing deposit on the DIMOCO platform takes under 7 seconds.

For operators, that is an extra deposit method that lifts first-deposit conversion and suits mobile-first, in-play play.

How Carrier Billing in iGaming works:

The player chooses to pay by Carrier Billing.

The merchant submits the transaction for processing

The payment request is routed via the relevant card scheme, such as Visa or Mastercard, to the issuing bank for authorization.

The issuing bank approves or declines the transaction

The benefits of Carrier Billing

No card needed 

A phone number is all a player needs to deposit, with no card, wallet or stored credentials to start.

Carrier authentication

The mobile carrier handles authentication, so no sensitive payment data is entered.

Instant confirmation

An SMS confirms the deposit and the charge appears on the monthly phone bill, which cuts post-purchase disputes.

Refunds and pay-ins

Operator-triggered, so you can resolve player queries directly.

Fraud controls for gambling

Per-player transaction limits, KYC mobile-number verification guidance, and a live transaction portal with scheduled reports.

Built for Germany

GGL approval and OASIS player-protection checks built in.

by 2029, 67% of online bets are projected to be placed on mobile (EGBA)

Germany’s Direct Carrier Billing market is projected to grow from US$2.8bn in 2024 to US$10bn by 2035 (Market Research Future).

Up to 80% of sportsbook revenue comes from in-play betting, where on-the-spot mobile deposits matter most.

STS, one of Poland’s largest sports betting operators, runs deposits via DIMOCO Carrier Billing. During UEFA EURO 2024, Carrier Billing deposit volume rose 13%.

Card payments for online casinos and betting

Visa and Mastercard acquiring for licensed operators

Card payments remain the primary deposit method for licensed iGaming operators. The right payment solution helps improve approval rates and supports a smooth deposit experience.

DIMOCO acquires Visa and Mastercard and works with licensed online casinos, lotteries and betting operators. Authorisation and decline responses come directly from the acquirer. Fraud monitoring and dispute tooling are designed for the requirements of regulated gambling.

Complete your payment mix

Alternative Payment Methods

Add the local payment method your players actually use.

Open Banking

Account-to-account payments in supported European markets. Zero chargebacks, near-instant settlement, no card scheme fees.

Why gambling and betting operators choose DIMOCO

Built for peak betting volumes

Match days and major tournaments can concentrate transaction volume into minutes. Your payment setup needs to handle these peaks reliably without compromising the deposit experience.

High-risk expertise

Operating in regulated gambling means managing specific requirements around fraud, disputes, card scheme monitoring and compliance. You get payment infrastructure backed by experience with regulated and high-risk business models.

Your players' funds are safe

DIMOCO is a payment institution licensed and supervised by the Austrian FMA. Player funds are held under regulatory safeguarding requirements and settled on the agreed schedule, so deposits stay protected from the moment they are made.

Payments built for iGaming

Your markets, payment mix and risk profile all influence what your payment setup needs to deliver. We build around how and where your business operates. Tailored, not templated.

Dedicated payment experts

From implementation to day-to-day operations, experienced payment experts and support teams know your account and are there when you need them. Real expertise, not a self-service queue.

We are excited that NEO.bet will be the first sports betting provider in Germany to offer carrier billing. The process of gaining approval from the GGL was lengthy and rigorous and DIMOCO proved the ideal partner to help us navigate this. We look forward to working together now this promising new payment option is authorised.

Galina Werner, Managing Director at Greenvest Betting Limited

From first call to first deposit

Talk to the team

Tell us your markets, licences, current setup and deposit mix. We assess your requirements and explain the options, timelines and costs.

KYC and KYB

We complete the required compliance checks before onboarding. Standard onboarding takes a few weeks; more complex regulated setups may take longer. You are then assigned a dedicated project manager.

Integration

Our technical project managers support your developers throughout the whole process. DIMOCO never requires access to your systems.

Go Live

We monitor your payment setup and provide ongoing merchant support, with settlement on the agreed schedule.

From first call to first deposit

Talk to the team

Tell us your markets, licences, current setup and deposit mix. We assess your requirements and explain the options, timelines and costs.

KYC and KYB

We complete the required compliance checks before onboarding. Standard onboarding takes a few weeks; more complex regulated setups may take longer. You are then assigned a dedicated project manager.

Integration

Our technical project managers support your developers throughout the whole process. DIMOCO never requires access to your systems.

Go Live

We monitor your payment setup and provide ongoing merchant support, with settlement on the agreed schedule.

For developers: payment gateway API and integration

Hosted payment page

The fastest route to processing.

JavaScript integration

Custom flows with reduced PCI DSS scope.

Server-to-server

Full control of the transaction flow from your backend.

Stored credentials

Faster repeat deposits for returning players.

Talk to a payments expert

Bring your markets, licences and your current payment setup. We will show you the right payment setup for your business, and what it takes to go live.

Payment management and operations

Which payment methods should an iGaming operator offer at the cashout?

Direct Carrier Billing gives players a fast, mobile-first way to pay without entering card details, while cards remain a core payment method for iGaming. The right payment mix depends on your licensed markets, player preferences and payment behaviour.

How does a Carrier Billing deposit work?

The player selects Carrier Billing at the cashier and confirms the deposit on the phone. The amount is charged to the mobile bill. No card details, no account creation, no form.

What deposit amounts does Carrier Billing support?

Carrier Billing limits apply per transaction and per month, and they vary by market and mobile network operator. Some markets support higher limits than others. Rather than a single cap, we set the right limits with you for each market you operate in.

Which iGaming and Betting operators does DIMOCO work with?

Licensed iGaming and betting operators in regulated European markets, from sports betting to online casino and lotteries.

Does this work for retailers selling beyond the EU?

Yes. End customers can pay by card from almost anywhere in the world. European online shops selling within the EEA and into markets outside it can use the same setup, with methods activated per target market.

What kind of online shops does DIMOCO work with?

Online shops and retailers across categories, from fashion and electronics to digital goods, subscription commerce, and business-to-business (B2B) eCommerce.

What is VAMP and what does it mean for operators?

VAMP (Visa Acquirer Monitoring Program) consolidates Visa’s fraud and dispute monitoring into a single, acquirer-led program. It introduces a combined VAMP ratio covering both fraud and disputes for card-not-present transactions. In Europe, the excessive merchant threshold is currently 1.5%, subject to a minimum monthly fraud and dispute count. Visa monitors performance at both merchant and acquirer-portfolio level, making effective fraud prevention, dispute management and the capabilities of your acquiring partner increasingly important.

What is PCI DSS and why does it matter for an operator?

PCI DSS (Payment Card Industry Data Security Standard) is the security standard every business accepting card payments has to comply with. The compliance effort depends on whether the operator processes, transmits, or stores card data on its own systems. With the DIMOCO integration models, card data is entered in hosted iFrames or on a hosted payment page and stays outside the operator’s systems, reducing PCI DSS compliance scope. For recurring deposits, cards are tokenized: the cashier works with tokens instead of card numbers.

How is 3DS handled?

For card payments, 3D Secure is applied based on regulatory requirements, card scheme rules and transaction risk. Where eligible, exemptions and frictionless authentication are used to reduce unnecessary payment friction while maintaining strong fraud protection and compliance.

Which currencies can an operator accept?

Carrier Billing is handled in the local currency of the market where the mobile bill is issued. For cards, we support EUR and USD as the main currencies, with CHF, GBP and DKK available on Mastercard.

How does the integration work?

Card payments are integrated through the DIMOCO payment gateway, with a hosted payment page, a JavaScript integration for custom payment flows with reduced PCI DSS scope, or server-to-server integration for full control of the transaction flow. Direct Carrier Billing integrates into the cashier, with each payment confirmed on the player’s mobile device.

How long does onboarding take?

Standard onboarding takes a few weeks; complex setups take longer because of extended KYC and KYB.