Apple Pay and Google Pay in mobile gambling

1) Why these payment services have become the standard

Users' habit: Millions of Australians pay for purchases every day through Apple Pay and Google Pay
Waiting for instantaneous: delays are perceived as an outdated experience, the player wants to replenish the balance and play right away.
Biometrics and security: confirmation of Face ID, Touch ID or fingerprint significantly reduces fraud.
Mobile gambling growth: More than 80% of players use a smartphone rather than a PC in 2025

2) UX scenarios in gambling

One-click deposit: the player selects the amount → confirms with biometrics → instantly receives a balance.
Automatic substitution: the system remembers the last amount and offers it as default.
Conclusion: possible through a linked wallet or bank account linked to Apple Pay/Google Pay.
Integration with push notifications: the user sees the status of the transaction without logging into the bank's application.

3) Technical standards

Tokenization: the casino does not store card data, only a token that is transmitted through a payment gateway.
EMVCo standard: support for contactless and in-app transactions.
3DS2: built into Apple Pay/Google Pay, transparent to the player.
TLS 1 encryption. 3 + certificate-pinning: mandatory requirements for mobile applications.
Deposit time: ≤ 2-5 seconds.

4) Performance metrics

CR deposit → first spin: 15-20% higher when using Apple Pay/Google Pay compared to cards.
D1 retention: Up 5p as players return to the product thanks to convenience
Average time to deposit: 2-3 seconds (versus 30-60 seconds for manual cards).
Transaction error rate: ≤ 2%.

5) Safety

Biometric authentication: Face ID/Touch ID are required for confirmation.
Two-factor default: card + device + biometrics.
Zero data storage: The casino does not process the CVV/card number.
Fraud models: the risk of fraud is reduced by 40-50% compared to entering card details.

6) Limitations and risks

Platform dependence: Apple Pay is available only on Apple devices, Google Pay - mainly on Android.
Commissions: some operators pay an additional interest on transactions.
Regulation: In some Australian jurisdictions, AML/KYC requirements may slow down withdrawal.
Unavailability on older devices: not all models support contactless services.

7) Apple Pay/Google Pay Mobile Casino Integration Checklist

Deposit support ≤ 5 seconds.
Biometrics are built into transaction confirmation.
Tokenization and lack of card storage.
Operation status push notifications.
CR Deposit → game ≥ 60%.
Integration with local banks via NPP and PayID.
D1 retention ≥ 40% due to convenient replenishment.

8) Withdrawal

Apple Pay and Google Pay in 2025 became the basic mobile gambling tool in Australia. They provide:

• instant deposits and quick withdrawals,
• biometric security,
• CR growth and retention,
• familiar one-touch UX.

Operators who have implemented these methods gain a competitive advantage and form a new industry standard.