Mastercard Casino Australia 2026: What Your Bank Won’t Tell You About Deposits, Withdrawals, and Chargebacks
Mastercard sits in more Australian wallets than any other card brand. It also happens to be the most common deposit method at online casinos that accept Australian players, despite the fact that most of those operators exist outside the official licensing framework. The payment works because it is processed as an ordinary card transaction. The problems start when you ask the casino to send money back the other way.
This guide breaks down how Mastercard deposits actually function at online casinos in 2026, why withdrawals almost never return to your card, and what rights you have under the Australian financial dispute system when a transaction turns sour. The short version: deposits are fast, withdrawals are not, and chargebacks are possible but far from automatic. The long version involves MCC codes, bank-level gambling blocks, BetStop, and a 120-day window that most players never realise exists.
How Mastercard Works at Australian Online Casinos
Mastercard functions as a card scheme, not a bank. When you enter your card details at an online casino, the transaction flows through the casino’s payment processor, then through Mastercard’s network, then to your bank for authorisation. The casino never sees your full card number in most cases. What it sees is a token or a masked number. That technical detail matters because it shapes every dispute you might ever file.
The transaction carries a four-digit merchant category code, or MCC. Casinos and gambling sites fall under MCC 7995. Australian banks have been increasingly aggressive about blocking MCC 7995 transactions since roughly 2020, but the implementation is inconsistent. Some banks block all gambling MCCs by default. Others only block them if you opt in. The result is that two people using the same Mastercard brand but different banks apply different risk rules, so the same card can work at one casino and decline at another. A few banks in Australia now flag every MCC 7995 authorization attempt and send you an SMS asking for confirmation. Others quietly decline the transaction and never tell you why. That inconsistency is the first thing every Mastercard casino player learns, usually the hard way.
What follows is not a list of “best Mastercard casinos” pasted from some affiliate dashboard. It is an operational breakdown of how the payment method works, where it fails, and how to protect yourself when a deposit turns into a dispute. Expect numbers. Expect contradictions. Expect at least one sentence that makes you close the tab and check your bank app.
What is MCC 7995 and why does it matter?
MCC 7995 is the global merchant category code for gambling transactions. Whenever you use a Mastercard at an online casino, that code gets attached to the authorization request sent to your bank. Your bank’s fraud system and gambling control features read this code and decide whether to approve or decline the payment. Many Australian banks have default rules that flag MCC 7995 as high-risk, even if the casino itself is legitimate in another jurisdiction. That means a perfectly valid deposit can be rejected simply because your bank’s risk engine does not like the category. Some banks allow you to whitelist gambling merchants through their app, but most do not. The code also determines how the transaction appears on your statement — often as a vague merchant name rather than “online casino.” That ambiguity is deliberate, and it sometimes works against you when you try to dispute a charge because the bank cannot immediately see what the payment was for.
Why Mastercard Withdrawals Are the Exception, Not the Rule
Deposits are easy. Withdrawals are a different species altogether. Most Australian-facing online casinos that accept Mastercard deposits will not send winnings back to the same card. The reason is not technical. It is regulatory and commercial. Card networks treat gambling payouts as high-risk reversals, and processors that handle casino withdrawals to cards face a higher chargeback rate than almost any other vertical. So casinos route withdrawals to bank transfer, crypto, or e-wallets instead.
This creates a strange asymmetry. You fund your account with plastic in under 60 seconds. When you win, the casino asks for a bank statement, a selfie with your driver’s licence, and then sends the money via a method you never chose during sign-up. If you were hoping to see the cash land back on your Mastercard statement within two days, you are reading the wrong market. In Australia, card-to-card casino withdrawals are nearly extinct.
There is one partial exception. Some casinos run what is known as a “closed-loop refund,” where the operator pushes a reversal for the exact amount of your original deposit. That reversal shows up on your statement as a merchant refund, not a withdrawal. It typically covers only the deposit amount, not the winnings. And it is only available if you cashed out within a narrow window, usually 24 to 72 hours after depositing. After that, the processor treats the funds as gambling proceeds and blocks the card route entirely.
Why do casinos avoid sending money back to Mastercard?
The core reason is chargeback risk. If a casino sends a withdrawal to a player’s Mastercard, and that player later files a chargeback claiming the transaction was unauthorised or the service was not delivered, the casino has to fight the dispute. Banks are more likely to side with consumers in card-present transactions, but online gambling transactions are already high-risk, and reversals add another layer. Processors therefore discourage gambling merchants from using card withdrawals to minimise their own exposure. Casinos comply because losing the ability to accept card deposits at all would be a bigger blow than the inconvenience of forcing players to use bank transfer or crypto for payouts.
There is also a practical problem. A Mastercard withdrawal requires the casino to have previously stored your card token, and many processors delete that token after the initial deposit for security reasons. Without the token, the casino cannot initiate a payout to that card even if it wanted to. So the “no withdrawal to Mastercard” policy is partly technical, partly risk management, and partly a deliberate funnel towards methods that are cheaper for the casino to process.
Chargebacks: The 120-Day Weapon Most Players Never Use
Mastercard chargebacks exist to protect you from fraud, double charging, and services that were never delivered. They are not a refund shortcut for losing sessions. That distinction matters because Australian forums are full of players who lost money at an unlicensed casino and then tried to claw it back by filing a chargeback, only to be rejected by their bank after six weeks of investigation.
The formal process works like this. You contact your bank, dispute the transaction, and provide evidence. The bank sends a chargeback request to the merchant’s acquirer through the Mastercard network. The casino has a fixed number of days to respond, usually between 10 and 45 depending on the reason code. If the casino does not respond or fails to prove the transaction was legitimate, the bank reverses the funds. The whole process can take from 10 days to 120 days, depending on the issuer and the complexity of the claim.
For online casino deposits, the most commonly used reason code is “goods or services not provided.” That translates to: the casino took your money but never credited your account, or refused to pay out a withdrawal without a legitimate reason. A losing bet does not qualify. A rigged game is almost impossible to prove at the card network level. But a casino that vanishes with your balance? That is a legitimate chargeback scenario. As is a casino that double-charges your card for the same deposit. Or a casino that continues taking deposits after you requested account closure.
| Chargeback Scenario | Typical Outcome | Timeframe |
|---|---|---|
| Casino never credited after deposit | High success rate | 10–30 days |
| Double charge for same transaction | High success rate, often automatic | 5–15 days |
| Withdrawal denied without reason | Moderate success rate, depends on evidence | 30–90 days |
| Unlicensed casino closed account | Moderate if casino is offshore | 45–120 days |
| Lost bets, bonus confiscation | Very low success rate | Usually rejected |
The single most important number is 120 days. Mastercard’s dispute window typically starts from the transaction posting date, not from the date you noticed the problem. If you deposited on 1 March and realised in July that the casino was a scam, your bank may refuse to file the chargeback because the window has closed. Some Australian banks extend this to 180 days for certain reason codes, but assuming 120 is the safer default. Act early. Document everything. Screenshot your casino balance and every email with support before the site disappears.
Step-by-step: How to file a Mastercard chargeback for a casino deposit
The process is straightforward but tedious. First, contact the casino’s support team and give them a clear deadline, usually five business days, to resolve the issue. If they refuse or ignore you, move to the bank. Call your bank’s disputes team, not general customer service, and explain that you want to file a chargeback under Mastercard rules for “goods or services not provided.” The bank will ask for details: transaction date, amount, merchant name, and why you believe the charge should be reversed. Provide every piece of evidence you have — screenshots of your casino balance showing the deposit was not credited, emails where you requested a withdrawal and were denied, or proof that the casino closed your account without reason. The bank then submits the chargeback to the casino’s acquiring bank. The casino has up to 45 days to prove the transaction was legitimate. If it cannot, the bank credits your account. Be aware that the bank may provisionally credit your account while the dispute is pending, but this is not guaranteed. The entire process rarely takes less than 30 days, and can stretch to 120 days for complex cases.
What evidence do banks expect for a casino chargeback?
Banks are not judicial bodies. They evaluate chargeback claims based on documentation, not emotional appeals. For an online casino dispute, useful evidence includes a screenshot of your casino account showing the deposit but no corresponding balance, a written email from the casino admitting the deposit failed, or a copy of the terms and conditions that the casino violated. If you are claiming the casino refused to pay a withdrawal, you need proof that you met all wagering requirements and that the withdrawal request was denied without a legitimate reason. A bank will not reverse a charge simply because you lost money or because the casino is unlicensed in Australia. The chargeback system is designed for fraud and non-delivery, not for buyer’s remorse. The more specific and contemporaneous your evidence, the better your chances.
The Australian Regulatory Mess: ACMA, BetStop, and Illegal Casinos
Why would a payment method be legal, while most of the casinos that accept it are not? That is not a trick question. It is the central contradiction of the Australian market. The Interactive Gambling Act 2001 prohibits online casino games offered to Australians unless the operator holds a state or territory licence for that specific product. Almost none of the offshore brands targeting Australian players hold such a licence. They operate from Curaçao, Anjouan, or sometimes Malta, and they accept Mastercard deposits from Australians without consequence for the card network.
Mastercard does not screen online casino merchants for Australian licensing. The card scheme is global. It processes the transaction based on the merchant’s acquiring bank and the cardholder’s bank rules, not on Australian gambling law. That is why you can deposit at a casino that ACMA has already named in a blocking request. The bank might block the transaction, or it might not. ACMA’s blocking powers cover internet service providers, payment processors, and in some cases advertising intermediaries. They do not directly force Australian banks to decline gambling transactions.
BetStop changes the equation for self-excluded players. Since 2023, Australian financial institutions are not required to block gambling transactions for people registered with BetStop. But banks increasingly use BetStop data as part of their own responsible gambling triggers. A handful of Australian banks now decline MCC 7995 transactions if the cardholder has an active self-exclusion on file with a participating operator. This is not advertised. If you try to deposit at a new casino and your Mastercard is declined, check whether you ever self-excluded from another Australian operator. That flag can follow you.
How should you interpret all of this? Mastercard is a neutral payment rail. The legality of a particular casino deposit is a matter between you, the casino, and Australian law. The card network will not protect you from choosing a dodgy operator. But the bank might, and that is where the next section gets interesting.
Is it illegal to use Mastercard at an online casino in Australia?
No, the act of using a Mastercard at an online casino is not illegal for the player. The Australian Interactive Gambling Act targets operators, not individual consumers. You will not be prosecuted for making a deposit. However, you may be violating the casino’s own terms of service if you are located in a jurisdiction where the casino does not accept players. More importantly, you have limited legal recourse if the casino fails to pay out because the operator is outside Australian jurisdiction. The card transaction itself remains lawful from the cardholder’s perspective, even if the underlying gambling service is technically prohibited under Australian law.
Mastercard Deposit Limits and Bank-Level Blocks
Australian banks have quietly introduced gambling transaction controls over the last five years. The big four — CBA, Westpac, NAB, and ANZ — all offer some form of gambling block or limit feature. The exact implementation varies. Some banks let you set a monthly spend cap on MCC 7995. Others let you block all gambling transactions with one toggle. A few smaller banks and credit unions have no such feature at all.
What most players do not realise is that these bank-level controls can override the casino’s own deposit limits. You set a $500 monthly gambling cap in your banking app. Then you try to deposit $200 at an online casino. The transaction works because you are under the cap. Later you try to deposit another $400. The bank declines it, even though the casino’s own cashier says your limit is $1,000. The casino did not decline you. Your bank did. And the casino’s support team often cannot see the real reason, because the decline code comes back as “issuer denied” with no further detail.
This is both a feature and an annoyance. If you want to control your spending, it is the most effective tool you have, because it sits outside the casino’s ecosystem. But if you are using a Mastercard for convenience and the transaction fails without explanation, check your bank app before blaming the casino. Look for a gambling block or spend limit under card controls. Disable it if you genuinely want to proceed, and then ask yourself why you disabled it thirty seconds after turning it on.
How do bank gambling controls affect your Mastercard casino deposits?
Bank gambling controls are opt-in features that let you block or limit transactions to merchants classified under MCC 7995. They are usually buried in the card management section of your banking app. Once activated, the bank will automatically decline any transaction that carries the gambling merchant code. Some banks also allow you to set a monthly limit rather than a complete block. The control is immediate; you can turn it on or off at any time, though some banks impose a short delay for deactivation to prevent impulsive decisions. If your Mastercard deposit is declined and you cannot figure out why, these controls are the first thing to check. They are often the hidden reason behind a failed casino deposit.
Debit vs Credit vs Prepaid: Three Different Risk Profiles
Not all Mastercards behave the same way in this market. A debit Mastercard linked to your everyday transaction account is the riskiest option, because a declined deposit can still place a temporary hold on your own cash, and a successful deposit immediately removes money you might need for rent. A credit Mastercard offers one advantage: you are spending the bank’s money, not your own, which gives you stronger chargeback rights under Section 75 of the Consumer Credit Code in some cases, though gambling transactions are often excluded from extended warranty-style protections. The downside is cash advance fees if the casino is coded incorrectly, and interest if you do not clear the balance immediately.
Prepaid Mastercards are the wildcard. You can buy a prepaid Mastercard at a supermarket, load it with cash, and use it at an online casino. The deposit works like a normal card. But the withdrawal problem becomes even worse, because the casino cannot return funds to a prepaid card that has already been discarded or reissued. And some prepaid cards are restricted from gambling merchants altogether, especially those purchased with cash and marketed as gift cards. The prepaid route is popular among players who want to avoid their main bank seeing casino transactions, but that very reason is why banks and casinos treat prepaid cards with suspicion. Expect additional verification requests.
Cryptocurrency is the opposite end of the spectrum. Mastercard has been rolling out crypto-linked cards in Australia through partnerships with exchanges, but these are not the same as depositing directly to a crypto casino. If you use a Mastercard to buy crypto, then send that crypto to a casino, you have added two extra steps and two extra sets of fees. The only benefit is that the final casino deposit is not card-based, so it will not appear on your bank statement as a gambling transaction. That benefit is real, but it is also precisely why Australian regulators are closing this loophole with reporting requirements under AUSTRAC.
Mastercard Compared to PayID, Neosurf, and Crypto
Mastercard is not the only way to fund a casino account. In Australia in 2026, PayID has become the dominant local method for instant bank transfers, often with no fees and no card network involvement. Neosurf vouchers are another option for players who want to avoid card statements entirely. Crypto transactions offer speed for withdrawals but introduce volatility and tax reporting complexity. The table below breaks down the practical differences.
| Method | Deposit Speed | Withdrawal Support | Fees | Chargeback Rights | Bank Visibility |
|---|---|---|---|---|---|
| Mastercard | Instant, sometimes declined by bank | Rarely to card; usually bank transfer | 0–2.5% casino fee plus possible FX fee | Strong for fraud, weak for gambling losses | Full visibility on statement |
| PayID | Instant, rarely declined | Common, often within 24 hours | No casino fee, bank may charge none | No chargeback, but faster dispute via bank transfer | Full visibility, but appears as bank transfer |
| Neosurf | Instant | Not supported as withdrawal method | Voucher purchase fee, no casino deposit fee | No chargeback, voucher is cash equivalent | Not visible on bank statement |
| Crypto (BTC/ETH) | 10–30 minutes | Very common, often under 1 hour | Network fee only, no casino fee | No chargeback, irreversible by design | Not visible unless you report tax |
The table reveals the uncomfortable truth: Mastercard’s main advantage is familiarity, not functionality. If you choose a casino based solely on the fact that it accepts Mastercard, you are optimising for the easiest deposit method and ignoring the harder withdrawal problem. The card works best for small deposits at casinos where you already trust the withdrawal process and do not mind receiving funds via bank transfer later. For large deposits or high-frequency play, PayID or crypto both offer better end-to-end economics.
Top Australian Casinos That Accept Mastercard
Instead of ranking ten casinos with invented star ratings, here are the operators from the current Australian-facing market that process Mastercard deposits and have been around long enough to develop a withdrawal track record. Treat this as a working list, not an endorsement. The Australian online casino landscape shifts frequently, and a brand that is responsive today can become a complaint magnet in four months.
Richard Casino has built a reputation for processing Mastercard deposits quickly and then paying out via bank transfer or crypto. Their verification team is aggressive, which is a double-edged sword. You will need to upload documents before your first withdrawal, sometimes before your first deposit if the transaction amount is unusually high.
Jackpot Jill markets heavily to Australian players and accepts Mastercard with a typical minimum deposit of around $10 to $20. Their withdrawal times are average for the industry, often 1 to 3 business days after the pending period. The main complaint you will see on forums is not about Mastercard itself, but about bonus wagering terms tied to card deposits.
Bizzo Casino is another operator that takes Mastercard without drama, although some Australian banks flag Bizzo’s processor more frequently than others. If you deposit with Bizzo using a credit card, check whether the transaction posts as a cash advance rather than a purchase. That depends on the acquiring bank, not on Bizzo, and it can surprise you with interest charges from day one.
National Casino has been around the Australian market long enough that most banks no longer automatically decline its MCC. That does not mean the bank approves every transaction, but the decline rate is lower than for newer casino processors. Withdrawals are typically bank transfer, which works but takes longer than PayID.
Royal Reels and WinSpirit both accept Mastercard deposits and are frequently searched by Australian players. Royal Reels leans into the Australian theme, while WinSpirit pushes a gamified loyalty layer. Neither is licensed in Australia, so the same caution applies: the deposit will work, but the consumer protection framework is not Australian.
Other operators that show up regularly in Mastercard discussions include King Billy, PlayAmo, BitStarz, RocketPlay, and Stake. BitStarz and Stake are crypto-first, but both accept card deposits through third-party processors. If you deposit with Mastercard at a crypto-first casino, the conversion happens instantly, but the withdrawal will almost certainly be to crypto, not back to your card.
What should you check before depositing with Mastercard at any casino?
Three things: the casino’s withdrawal methods, its fee structure for card deposits, and its verification requirements. If the casino only offers bank transfer or crypto for withdrawals, you already know your card will not be used for payouts. If the deposit fee is above 2.5%, you are paying a premium for the convenience of using plastic. If the casino demands KYC documents before you can withdraw, know that the process will add days or even weeks to your first payout. A casino that hides its withdrawal policy until after you have deposited is not worth your time, no matter how many games it offers.
Player Rights Under Australian Law: When You Can Demand a Refund
Why do so many Australians think they can charge back a losing casino deposit just because the casino was unlicensed? Because the Interactive Gambling Act makes it an offence for an operator to offer certain gambling services to Australians. But that offence does not automatically make your deposit refundable. The law targets the operator, not the player’s transaction. Your bank is not going to reverse a charge just because the merchant breached Australian gambling law. Banks are not gambling regulators.
The genuine legal path for recovery sits in contract law, not card dispute rules. If you can show that the casino breached its own terms — for example, by refusing to pay out a withdrawal after you met all wagering conditions — you have a claim. If the casino’s terms were unfair under Australian Consumer Law, you may also have rights, though ACCC has limited reach over offshore operators. In practice, Australian courts have been reluctant to enforce gambling debts from offshore casinos, and that cuts both ways. You cannot easily recover your losses, but the casino cannot easily enforce a debt against you either.
The most effective pressure point is often the payment processor, not the casino. If enough Australian banks receive chargeback requests against a specific casino merchant, the acquiring bank may drop that merchant. That can force the casino to negotiate with individual players to avoid losing its card processing entirely. This is not a formal legal process. It is market pressure. And it works more often than you might think.
Do I have a legal right to a refund if an unlicensed casino refuses to pay out?
You have a contractual claim if the casino breached its own terms, but enforcing that claim is difficult because the operator is outside Australian jurisdiction. Australian courts can hear cases against offshore companies, but the practical barriers are enormous: service of documents, enforcement of judgments, and the casino’s ability to hide assets. A chargeback through your bank is usually the more realistic path, though it is limited to fraud and non-delivery scenarios. If the casino simply refuses to pay a withdrawal after you met all conditions, you have a stronger chargeback case because you can argue the service was not provided as agreed.
The 5 Biggest Mastercard Casino Mistakes
Every mistake below repeats daily in Australian gambling forums. Most are avoidable with ten minutes of reading before you deposit. None of them require specialist knowledge. They require only that you understand the basic mechanics of card payments and the asymmetry of offshore gambling.
First, using a debit Mastercard linked to your main bank account. The risk is not only losing deposits. It is the temporary authorisation holds that can freeze your rent money even if the casino transaction ultimately fails. Second, assuming that because a casino advertises “Mastercard accepted,” it also offers Mastercard withdrawals. As covered earlier, almost none do. You will wait for a bank transfer while your card sits unused. Third, depositing at a casino you have never heard of because it showed up in a Google ad with a Mastercard logo. The logo means nothing. Any merchant with a processor can display it. Fourth, ignoring the FX and cash advance fees on credit cards. A $200 casino deposit can become a $210 transaction plus $5 cash advance fee plus daily interest. Fifth, waiting months to file a chargeback after a casino refuses to pay your withdrawal. The 120-day clock does not pause for your anger.
FAQ: Mastercard Casino Questions Answered Directly
Can I use a Mastercard at online casinos in Australia?
Yes, many offshore online casinos accept Mastercard deposits from Australian players. The transaction is processed like any online purchase. However, Australian banks may decline the payment if the casino is flagged under their gambling controls or if your card has gambling limits enabled. The acceptance of Mastercard does not mean the casino is licensed in Australia.
Will an Australian bank block my Mastercard casino deposit?
It depends on your bank and your card settings. Commonwealth Bank, Westpac, NAB, and ANZ all offer gambling block or limit features. If you have not activated a gambling block, the transaction will often go through, but some newer casino processors are automatically declined due to fraud scoring. Check your bank app for card controls before assuming the casino is the problem.
Why can’t I withdraw my casino winnings back to Mastercard?
Most casinos do not support Mastercard withdrawals because the card networks and acquiring banks treat gambling payouts as high-risk reversals. Casinos route withdrawals to bank transfer, crypto, or e-wallets instead. A deposit to Mastercard does not imply the same card will be used for payouts. You will need to choose an alternative method during the withdrawal process.
How do I file a chargeback for a casino deposit?
Contact your bank, explain the dispute, and provide evidence such as screenshots and emails. The bank will file a chargeback under Mastercard rules, usually for “goods or services not provided.” The casino has up to 45 days to respond. Success rates are high for double charges or missing deposits, much lower for disputes about lost bets. Act within 120 days of the transaction.
Are prepaid Mastercards accepted at online casinos?
Some prepaid Mastercards work, but many are blocked for gambling merchants. Prepaid cards bought anonymously are often restricted under Australian anti-money laundering rules. Even when they work, withdrawals cannot be returned to a prepaid card. If you use a prepaid card, you will need a different withdrawal method, which may trigger additional identity verification.
Does Mastercard charge a fee for casino deposits?
Mastercard itself does not charge the player directly for a purchase. The casino may add a deposit fee, typically between 0% and 2.5%. Your bank may also apply a cash advance fee if the transaction is coded as a cash advance rather than a purchase, which happens occasionally with credit cards and gambling merchants. Always check the casino’s cashier page for fees before depositing.
What should I do if a casino continues charging my Mastercard after I closed my account?
That is a clear chargeback scenario. Immediately report the transaction to your bank as unauthorised or as a duplicate, depending on the situation. Provide proof that you requested account closure — an email confirmation or a screenshot of the closure request is ideal. The bank will generally reverse the transaction quickly because it is easy to verify that you did not authorise charges after closure. If the casino continues to bill you, cancel the card to prevent further losses.
Can a casino reverse a deposit back to my Mastercard if I ask?
Sometimes, but only for the original deposit amount and usually within a short window after the transaction. This is called a closed-loop refund, and it is not the same as a withdrawal. Casinos can process a refund to the card if the processor supports it and you request it within a few days. However, this is not guaranteed, and many casinos will refuse and ask you to withdraw via another method instead. If you want your deposit back immediately, ask before the transaction settles.
A Final Note on Mastercard and the Psychology of Convenience
Mastercard is a wonderful invention for buying groceries, paying rent, and ordering takeaway. It is a terrible way to fund an offshore gambling habit, because it combines maximum visibility on your bank statement with minimal protection when things go wrong. The card leaves a permanent record of every deposit while offering the weakest chargeback rights of any payment method except crypto. That is not an invitation to use crypto. It is an argument for thinking about what kind of money you are really moving.
If you are going to play at an online casino from Australia, the payment method should be the last question you ask, not the first. The first question is whether the casino has a verifiable history of paying withdrawals promptly and treating players fairly. The second is whether you are comfortable with the fact that no Australian regulator will help you if the casino decides not to pay. Mastercard will not save you. Your bank might, but only if you understand the rules before you deposit, not after.
For most players in 2026, PayID is the better default for Australian-facing casinos because it is fast, fee-free, and does not carry the chargeback illusion that Mastercard gives you. If you do use Mastercard, use a credit card with a low limit, keep your deposits small, and screenshot every stage of the deposit and withdrawal process. And if a casino tells you that your withdrawal is “pending” for more than five business days while still accepting new Mastercard deposits, that is not a payment problem. That is a business model.
