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Waiting for instantaneous: delays are perceived as an outdated experience, the player wants to replenish the balance and play right away.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

• 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.