Under-21 Online Gambling With PayPal

PayPal support has long been considered one of the “holy grails” of the legal offshore gambling market. Because of the way PayPal works – and because of PayPal’s very strict terms of service – legitimate under-21 online PayPal gambling has never been available to USA players aged 18 and up. Until now.

To be clear, it’s still not possible to make direct PayPal gambling deposits or claim direct PayPal gambling payouts from legit online betting sites as of 2022. But a few of the best venues have finally rolled out effective, legal workarounds to add the service to their under-21 online gambling banking menus. If you want to learn exactly how to bet online with PayPal, you’ve come to the right place, pal!

Paypal betting

Best Online PayPal Gambling Sites

Accepting Players Under The Age Of 21

 Casino SiteBonusRatingUSAVIsit/Review
1Bovada Casino100% up to $3,0004.8 Green Check Play Now Read Review
2Slots.lv Logo200% up to $5,0004.6 Green Check Play Now Read Review
3Cafe Casino500% up to $3,0004.5 Green Check Play Now Read Review

 Sports SiteBonusRatingUSAVIsit/Review
1Bovada50% up to $1,0004.8 Green Check Play Now Read Review

 Poker SiteBonusRatingUSAVIsit/Review
1Bovada100% up to $5004.8 Green Check Play Now Read Review

Under-21 PayPal Gambling Explained – Understanding PayPal Betting

If you want to be able to use PayPal to gamble online safely and effectively, there are a few hoops to jump through to get started. The first step is to actually sign up with PayPal and link your banking information or credit/debit card(s) to the platform.

While you can use PayPal on your computer, we recommend downloading the iPhone PayPal app or Android PayPal app to facilitate convenient on-the-go betting. Coupled with the under-21 mobile gambling options at the sites featured here, the convenience of having all your banking and betting options on a single portable device is unrivaled.

Once you’re all set up, you’re ready to learn about the next steps. Read on!

PayPal is the world’s most popular person-to-person (P2P) instant-pay platform, notably co-founded by Elon Musk in 1998 (as Coinfinity). PayPal rose to fame as the direct payment engine for eBay, which bought the company in 2002 (before spinning it off in 2015).

Soon after the eBay acquisition, PayPal became a de facto standard in ecommerce, alongside credit card providers like Visa, Mastercard, and American Express (which most 18+ online gambling sites also accept). With over 400 million active users, PayPal is by far the largest P2P service in both America and abroad.

However, PayPal is not so good for online gambling funding, as the service is extremely restrictive in the regions it serves and the kinds of transfers it allows.

For example, if you use a PayPal credit card (i.e. PayPal Cashback Mastercard, PayPal Card debit card, etc.) to try to fund your offshore under-21 online gambling account, the UIGEA law is even more likely to interrupt these transactions than it is to block standard card deposits.

But PayPal betting is still possible because many sites offer a clever workaround that lets you use PayPal to effectively fund all your favorite offshore gambling games!

To be clear, you cannot use PayPal’s P2P service to make direct deposits to online casinos, sportsbooks, and poker sites operating internationally. PayPal gambling of this sort doesn’t work for a number of legal and logistical reasons. However, that doesn’t mean PayPal can’t be a convenient way to get your online under-21 gambling account topped off.

To successfully employ the online PayPal gambling method, you must be a member at one of the sites that supports online gambling vouchers (aka player transfers) or the third-party MatchPay service.

These options allow site members to buy and sell account balances between one another using private P2P PayPal transfers. (These PayPal betting processes are explained in more detail in the next few sections.)

Currently, the only sites to support this online PayPal gambling solution as of 2022 are Bovada, Café Casino, and Slots LV. However, we expect other top under-21 online betting sites to get on board with these kinds of PayPal-friendly betting methods in the near future.  

Under-21 online casino vouchers, sports betting vouchers, and poker vouchers are used by several different sites. The voucher system is an ingenious legal workaround that allows PayPal – or any other common P2P or eWallet platform – to be used for online gambling deposits and payouts.

To successfully make a PayPal gambling deposit, instead of directly “PayPalling” your site to fund your account, you'll find a fellow site member who has listed a PayPal gambling voucher code for sale.

After contacting the seller and buying their voucher with PayPal, you can submit that voucher code to your site cashier. The site then moves the voucher seller’s account balance to your account balance.

To withdraw your winnings using a PayPal gambling transfer, the only difference is that you’re now the online betting voucher code seller rather than the online betting voucher code buyer.

Note: Gambling vouchers are also sometimes called “player transfers” at participating 18+ online gambling websites, but they work the same way. Some sites have higher deposit and withdrawal limits for “player transfers” than for vouchers, however.   

MatchPay is a third-party service that allows for gambling-style voucher code transactions without all the rigmarole of members seeking out voucher code sellers or posting their own voucher codes for sale.

With MatchPay, the entire PayPal gambling voucher process (described in the previous section) is completely automated. All you have to do is sign up for the free MatchPay service, link your PayPal account to your MatchPay account, and select the MatchPay option whenever you’d like to make an under-21 online PayPal gambling deposit or claim a PayPal betting payout.

As of Q2 2022, Bovada is the only 18-and-up online betting site that offers the MatchPay service to all members, though select VIP members at a few other venues (such as Café Casino and Slots LV) will sometimes see the option when logged into their accounts.

That said, as with vouchers, we expect most other legit under-21 gambling sites to openly support MatchPay for all members sooner than later.

Note: MatchPay limits are lower than voucher or player transfer limits, but given the increased convenience of the platform compared to these other PayPal gambling options, we highly recommend it.

Disclaimer: MatchPay is not an online gambling company and does endorse under-21 online betting in any way. MatchPay is simply a third-party payment solution that allows online website account holders to transfer their account balances between one another.

PayPal casinos for players under 21 are available online, but you can only fund your gambling account indirectly using this popular banking method.

As the trendsetting P2P app in the industry, PayPal is necessarily the strictest P2P app in the industry, too. As such, despite being an international instant-payment app and merchant/remittance service, the company does not allow offshore online casinos to accept PayPal deposits directly.

With vouchers and MatchPay at participating 18+ casino sites, however, PayPal bet funding is finally a reality for online slots, online blackjack, online roulette, and more.

Under-21 sportsbooks are the norm in the online betting industry, but PayPal support isn’t. Of course, that doesn’t mean you can’t bet on the NFL with PayPal or bet on March Madness with PayPal (or bet on literally anything else with PayPal), because you can!

At sites that support sports betting vouchers and/or sports betting MatchPay transfers, you can link up with fellow site members, pay your pals with PayPal, and transfer their accounts to yours – or vice versa – accordingly.

Because PayPal is the most widely used P2P app, it’s also the fastest sports betting P2P app. As such, we recommend it above all other options for voucher and MatchPay deposits.

Online poker started it all back in the ‘90s, and if those were the golden days, these are the crypto days. But some players just don’t like to use crypto. For them, PayPal is a great alternative.

Because PayPal gambling at the best under-21 poker sites online allows players to buy and sell account balances between one another, PayPal is one of the more “anonymous” ways to fund your online poker account. And you know how important a good poker face is when you’re playing in online poker tournaments with $100,000 on the line.

Just be sure to practice your holdems and your foldems in smaller Sit-N-Gos or online poker cash games, first. 

How To Gamble Online With PayPal

You probably already understand the general concepts behind using PayPal to fund online gambling accounts at the sites we recommend.

However, if it’s your first time betting over the Internet – or if you simply want a bit more instruction for each specific PayPal gambling banking method – we’ve outlined the basic deposit and withdrawal procedures below:

If you’re at least 18 years old and have a PayPal account, you can legally and safely bet online using PayPal to handle all your gambling deposits. Remember, the only requirement for successful PayPal gambling is that your betting site of choice supports vouchers or MatchPay.

Here’s what you need to do:

  1. Follow any link on this page to a legit 18-and-up online gambling site that offers betting vouchers or MatchPay support.
  2. Sign up for free by entering in all requested information and submitting the form. Please be sure to use only real, verifiable info for this step.
  3. For PayPal gambling voucher deposits: Finish signing up by skipping the deposit step for now. Head over to your site’s community page or member forum and search for a voucher code for sale in an amount you’d like to deposit. Make sure the voucher ad specifies that the seller accepts PayPal. Contact the seller, arrange the sale, and PayPal your funds over. Once you receive your voucher code, visit the site cahier page, select the voucher option from the deposit menu, paste in the code, choose an optional gambling bonus, and submit the form. Your funds are credited instantly with no added fees.
  4. For PayPal gambling MatchPay deposits: Select the MatchPay deposit option from your site’s cashier page. A new window will pop up, asking you to sign up for a free MatchPay account. Follow the instructions to become an authorized MatchPay trader (this takes approximately two minutes). Link your PayPal login to your MatchPay account, enter in the amount you’d like to deposit and choose an optional online betting bonus. Submit the form, and MatchPay will automatically “match” you with a fellow MatchPay user at your 21-and-under gambling site. Once a match is made, you’ll get a PayPal notification asking you to approve the transfer. Approve the transaction, and your account is credited immediately with no extra fees.

Once you’ve won your share of under-21 online slots and table games, hit it big at your under-21 online sportsbook, or took the final pot in that big under-21 online poker tournament, you probably want to get your money in hand ASAP.

With PayPal, you can do that like this:

  1. Head over to your site’s cashier page and select the voucher or MatchPay payout option.
  2. For voucher PayPal gambling withdrawals: Enter in the amount of your eligible account balance you’d like to pull out in the form of an online gambling voucher and submit the request. You’ll receive your voucher code in your site-linked email upon withdrawal approval. Next, navigate to your site’s member forum or community page and post your voucher code for sale. Indicate the amount of the code and the fact that you accept PayPal money transfers. Once a buyer contacts you, arrange the sale and release your voucher code to them as soon as their PayPal payment goes through. Always be sure to release your voucher code to your buyer in a timely manner. Voucher codes expire, and your site’s TOS mandates that you act in good faith with all voucher buyers.
  3. For MatchPay PayPal gambling withdrawals: Create a MatchPay Trader account if you haven’t already (see previous section), and then choose the MatchPay withdrawal option from the payouts menu. Enter in the amount you wish to claim and submit the ticket. MatchPay will automatically pair you with a fellow MatchPay trader looking to make a PayPal MatchPay deposit, and you’ll receive your funds as soon as a “match” is located.

Note: You can now use any withdrawal option supported by your under-21 online betting site regardless of the manner in which you initially deposited your funds. As such, you are not limited to voucher/MatchPay withdrawals even if you first made corresponding voucher/MatchPay deposits.

All the best online gambling sites that accept PayPal offer their members several different bonuses. While PayPal voucher and PayPal MatchPay bonuses aren’t enhanced like Bitcoin and crypto betting bonuses, they still offer a tremendous amount of value in most cases.

Just remember that all online PayPal gambling bonuses at the sites we recommend here are market-specific. That is, you’ll need to accept the bonus that corresponds to the kind of PayPal online betting you enjoy most.

For example, if you primarily play under-21 online casino games, then you’ll want to choose your site’s PayPal casino bonus. If you’re mostly interested in under-21 online sports betting, you’ll want to choose a PayPal sports betting bonus. And if you usually do most of your gambling at the under-21 online poker tables, your site’s online PayPal poker promo is what you’ll want to claim.

All gambling promotions are 100% optional, and each venue has its own bonus rollover/playthrough wagering requirements. Still, the sites featured here always make their promo terms and conditions easy to understand and fair to meet, so we generally recommend bonuses for all eligible new and returning players aged 18 and older.

PayPal Online Gambling Limits – Speeds And Fees

PayPal – as a service – has limits that members must abide by. However, even the standard PayPal daily sending limits and PayPal weekly limits are so high that, in most cases, the only limits which matter are those employed by your online gambling site itself.

In general, PayPal transfers for unverified accounts are $10,000 per transaction, while verified PayPal accounts can send $60,000 or more per day. Since the best online gambling sites for players under 21 years old have deposit limits that are mostly lower than that, the point is moot:

  • PayPal Gambling Deposit Limits: 1-3 days, $1000-$15,000, no added fees
  • PayPal Gambling Withdrawal Limits: 1-3 days, $1000-$15,000, no added fees

PayPal fees are another factor to consider in general, as the company charges around 3.5% for most retail transactions. That said, these PayPal fees do not apply to online gambling, as online betting transactions require that you use fee-free PayPal personal transfers. Your 18-and-up online gambling site charges no extra deposit or payout fees, either.

As far as transaction times are concerned, these vary. If you use PayPal with vouchers/player transfers or MatchPay, you can expect to conclude your deposit or withdrawal within 1-3 days. You’ll sometimes be able to get payouts the same day your request them, though MatchPay withdrawals are good for same-day payouts about 40-50% more often than voucher payouts.

Note: If you want guaranteed same-day payouts on your withdrawals, you should pull out your winnings in cryptocurrency. Crypto (Bitcoin, Litecoin, Ethereum, Cardano, etc.) is the only way to reliably claim same-day gambling payouts every time.  

PayPal Online Betting Alternatives

Because online betting vouchers and the MatchPay service are what make real-money online gambling with PayPal possible, the same services can be used with other popular P2P apps and eWallets. Vouchers work with all the following platforms, while MatchPay currently only works with PayPal, Venmo, Cash App, and Zelle.

Note: PayPal, along with its Venmo subsidiary, allows users to buy Bitcoin and a few other popular cryptocurrencies. However, while you can buy Bitcoin and other crypto coins with PayPal, you can’t actually send that BTC/crypto to non-PayPal Bitcoin/crypto wallets. Cash App is the only P2P app that allows users to buy crypto (Bitcoin only as of 2022) and send it straight over to legal under-21 online gambling sites.