Payments and monetization
Payments and monetization are the circulatory system of the Gamble Hub. Flows of funds, data and responsibility pass through it, connecting operators, providers, studios and partners into a single financial ecosystem. There are no intermediaries and delays - only direct connections, automation and predictability.
Gamble Hub is built on the principle of financial transparency and controlled speed.
Each transaction - from deposit to royalty - goes through a protocol where sources, limits, currency labels and checkpoints are recorded. This makes the financial system not only reliable, but also auditable in real time.
1. Direct settlement channels. Funds pass without unnecessary links: operator ↔ provider ↔ partner. This reduces fees, eliminates delays and simplifies auditing.
2. Multi-currency. Each currency has its own catalog, RTP, rounding rules, limits and reports. The system automatically takes into account rates and conversions.
3. Financial hierarchy. At each level of the network - separate balances: you can reserve funds, limit transfers, set limits and track movement deep into the chain.
4. Automatic revenue distribution. Margins, commissions and participant shares are calculated dynamically, without manual operations.
5. Real-time monetization. Revenues, rates and deductions are synchronized instantly - from the level of a particular title to the level of the entire network.
In the traditional iGaming model, financial processes are separated: some systems accept payments, others distribute, and others check. Gamble Hub combines all this into a single protocol.
Operations and monetization occur within the architecture, not through external reports.
- Manage RTP, limits, and disbursements without stopping the flow
- Track performance by currency, region, and provider
- connect local payment gateways (PIX, PayID, Trustly, RuPay, PayPal, etc.) under the desired jurisdiction;
- Adjust the frequency and format of SLA payments.
Monetization at the Gamble Hub isn't just about turning a profit.
This is control over the entire ecosystem of value: who creates value, who transfers it and how quickly it returns back to the network.
- classic (GGR/RevShare), fixed rates, hybrid schemes (CPA + RevShare), internal pools for sub-partners and teams.
Thanks to this, participants can customize financial geometry for their type of business, while maintaining the general principles of transparency and reporting.
Payments and monetization in Gamble Hub is not accounting, but a strategy.
It combines technology, analytics and discipline, turning each stream into a managed asset.
When money moves quickly, accurately and transparently, the entire ecosystem grows.
Gamble Hub makes this flow continuous.
Key Topics
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Payment architecture in iGaming
Complete payment architecture guide for iGaming: payment acceptance (cards, APM, open banking, wallets), P2P/payments, multi-PSP orchestration and routing, tokenization and safecards, 3DS/SCA, anti-fraud and risk scoring, limits/RG, KYC/AML (CDD/EDD), accounting and reconciliations, taxes/fees, operational SLAs, and incidents. Region specific archetypes (EU/US/LATAM/Turkey/Asia), compliance checklists (PCI DSS, GDPR), benchmark KPIs and implementation roadmap.
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Payment routing and failover
A practical guide to building payment routing and fault tolerance: rule-engine, prioritization of PSP/methods, smart retry, circuit-breaker, active-active topology, idempotency and "payment intent," working with 3DS/SCA, anti-fraud signals, KYT and RG limits. KPIs, incident playbooks, SLA templates, implementation checklists and regional patterns (EC/UK, USA, LATAM, Turkey/CA, Asia).
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Smart-routing: channel prioritization
Practical Smart-routing methodology in iGaming: what signals to consider (BIN/issuer/geo/device/risk/RG limits), how to build a scoring model "success × cost × health," dynamically manage 3DS/SCA, APM/open banking, Pix/UPI/SEPA Instant, as well as payouts. Pseudocode, KPI, A/B design, degradation playbooks and implementation checklists are included.
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Repetitions and backoff in payments
Practical guide to retry & backoff strategies for iGaming: error classification (hard/soft), idempotency and "payment intent," exponential backoff with jitter, try limits and timeouts, card differences/3DS, APM and open banking, payouts queues, circuit-breaker, protection against duplicates in the ledger, KPIs and incident playbooks. Attached are the pseudocode, reason codes matrix and implementation checklists.
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Card schemes: Visa, Mastercard, Mir
A practical guide to working with Visa, Mastercard and Mir in iGaming: covers and restrictions, MCC 7995, VTS/MDES/NSPK tokens, 3DS brands (Visa Secure, Identity Check, Mir Accept), chargeback modes, OCT/SSPK end/Direct for payouts, BIN policies and smart-routing, compliance requirements and conversion metrics.
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Chargers: Causes and Process
A complete chargeback guide for iGaming operators: cause types (fraud, dispute services, technical), life cycle (initiation → representation → pre-arb → arbitration), evidence composition, impact of 3DS/SCA and tokens, MCC 7995 playbooks, KPIs and operational processes to reduce losses and false returns.
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Hot/Cold Wallets and Access Policy
Complete hot/cold wallet guide for iGaming: storage segmentation (hot/warm/cold), MPC/multisig, HSM/KMS, access policy and limits (4-eye, velocity, day caps), hot pool replenishment procedures, releases and emergency key operations, logs and audits, metrics and anti-patterns. Ready implementation checklist.
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Address rotation and privacy
A practical guide to address rotation: why and how to change addresses for deposits/withdrawals, HD derivation (BIP32/44/84), UTXO hygiene, memos/tags, EVM proxy contracts, whitelists and KYT, privacy protection without violating Travel Rule and AML. UX patterns, accounting/reconciliation, metrics, and implementation checklist.
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Fiat rails: banking and APM
Practical guide to fiat payment rails: bank transfers (SEPA/FPS/ACH/SWIFT), A2A through Open Banking, card push payments, as well as APM (local wallets, vouchers, mobile money, instant schemes). Routing and feilover methods, 3DS/SCA and anti-fraud, timing of the settlement and reconsilation, crossborder-FX, metrics and implementation checklist for iGaming.
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US ACH debit/credit, returns
ACH US Payment How to Guide: ODFI/RDFI Roles, Debit/Credit and Same Day ACH, SEC Codes (WEB/PPD/CCD/TEL), Account Verification (micro-deposits/IAV), Limits and Risk Profiles, Returns and Deadlines (R-codes: R01/R02/R03/R07/R08/R10/R11/R29, etc.), NOC, regulatory framework (Nacha/Reg E/OFAC), lager and T + 1 reconstitution, metrics and implementation checklist for iGaming.
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PayID Australia: NPP flows
A practical guide to PayID in the Australian NPP ecosystem: how alias addressing (mobile, email, ABN/ACN), P2P/P2M flows, Request-to-Pay and PayTo (e-mandates) work for auto-listings. We analyze UX, limits and risk control at the bank level, returns and reconciliation (ISO 20022/UTR), as well as integration options for online and offline.
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MB WAY Portugal: purse and P2P
A practical guide to MB WAY in the Multibanco/SIBS ecosystem: linking cards/accounts, P2P "on the phone," online check with push confirmation, QR and cardless cash withdrawal. We analyze statuses and reconciliation, limits (per-txn/daily/new recipient), returns, integration patterns (SDK/redirect/QR), security (SCA/biometrics) and features for high-risk verticals.
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Bizum Spain: instant transfers
A practical guide to Bizum in Spain: how instant transfers between banks work, payments to merchants (P2M) by phone number/QR/codes, payment requests (Request-to-Pay), statuses and reconciliation, limits (per-txn/daily allowance/for new recipients), returns and disputes, as well as integration options, security (SCA/PSD2) and architectural notes.
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Swish Sweden: mobile payments
Swish practical guide (Sweden): how P2P and P2M (Swish Handel/Företag) work, confirmation via BankID, QR/App2App payments, statuses and reconciliation, limits (per-txn/day/new recipients), returns and disputes, and integration (PSP/API, webhooks, recon), security and architectural notes for high-load and high-risk scripts.
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Neosurf: cash vouchers
Neosurf hands-on guide for e-commerce and iGaming: how prepaid vouchers, myNeosurf wallet and card-free payment work, integration options (hosted/widget/API), statuses and reconciliation, KYC limits and levels, returns and partial charges, and UX patterns, anti-fraud and architectural notes.
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Google Pay: in-app and web
A practical guide to Google Pay for e-commerce/iGaming: how Google Pay works in the application and on the web, card tokenization (DPAN/network tokens), EMV cryptograms, 3DS/SCA and MIT/recurrence, connection options (gateway vs direct), statuses and reconciliation, frequent causes of failures, smart -routing and UX patterns. Plus - a launch checklist and metrics.
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NFC and contactless limits
A practical guide to contactless (NFC) payments: how limits are formed without PIN/signature, what is CVM/CDCVM and why Apple/Google Pay often "remove" the limit, offline terminal limits and cumulative counters, the influence of regulators (PSD2/SCA, transit exemptions), as well as setup checklists for merchant/acquirer and UX patterns.
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PSP Rolling Reserve and Conditions
A deep guide to the rolling reserve at payment providers (PSP): why it is needed, how it is calculated and held, how it differs from holdback and termination reserve, which risk triggers increase interest and timing, how to build a cash flow and accounting model, what to include in the contract (caps, release-schedule, cross-collateral), which alerts and KP- I monitor. At the end - implementation checklists, data schema and SQL reconciliation templates.
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KYC-UX: reduced friction
Practical design guide for KYC-UX in iGaming: risk-base levels (L0-L3), progressive identification, soft step-ups (ID/OCR/NFC/liveness), SoF/SoW by event, localization and a11u, anti-fraud signals (device/IP/BIN-geo), recovery from failures, SLA verification, privacy and data storage. At the end - reference flow, data model, pseudo-DSL policies, metrics/alerts, SQL templates and implementation checklist.
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Bonus-abuse and financial protection
A practical guide to combating bonus-abuse in iGaming: taxonomy of abuse (stacking, loops, hedging, multi-account, FX arbitration, chargeback farming), financial protection (ND/same-method/return-to-source, max bet, WR, contrib%, payout-locks, rolling-reserve), behavioral and payment signals (device/household/BIN-geo/velocity/SoF), rule architecture, risk scoring, incident playbooks, legal framework and privacy. At the end - data model, pseudo-DSL, SQL templates, KPI/alerts and implementation checklist.
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Payment sanction compliance
Practical guide for iGaming on sanctions compliance in payments: modes (OFAC/EU/UK/CA/OOH, etc.), "50% rule" of beneficial ownership, sectoral/geographical restrictions, routes and intermediaries (PSP/correspondent banks/schemes), screening (names/addresses/IBAN/BB IN/wallets/ASN/IP/geo), orchestration at the deposit/output stages, Travel Rule for crypto, exception policy, false positive reduction, data model, pseudo-DSL, SQL templates, KPI/alerts, playbooks and implementation checklist.
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Payment profile KPI: auth, capture, refund
Complete set of KPIs for the iGaming payment loop by stages of authorization → capture → refund: dictionary of indicators, exact formulas, segmentation, reference goals, SLO/alerts, data model, SQL slices and conversion enhancement playbooks without increasing risk and cost.
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Crypto volatility and hedging
Practical guide for iGaming on working with crypto payments: sources of volatility, risk metrics (VaR, DV01-crypto, Greek), hedging instruments (stables, spot, futures, perps, options), treasure models (NWP hedge), operational processes (on/off ramp, SOR, KYC/AML), accounting, limits, dashboards and test cases.
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Registry parsing and automation
A practical guide to automating parsing of payment registries (PSP, banks, APM, crypto-custom) in iGaming: formats (CSV/XLSX/PDF/OCR, MT940, ISO 20022 CAMT/PAIN, JSON-API, webhooks), ingestion architecture pipeline, normalization and data scheme, idempotency and deduplication, validation rules, monitoring and alerts, security (PGP, SFTP, Vault), dashboards, KPIs and test cases.
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Tuning anti-fraud and rules
A practical guide to setting up anti-fraud in iGaming: economic function (Expected Loss vs Cost of Friction), signals and features, threshold optimization and step-up ladder (3DS/KYC), rules and their life cycle, A/B and canary calculations, quality metrics (Fraud/Chari geback/FP/AR), model stack (ML + rules), drift control and explainability, SQL slices, playbooks and checklists.
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Diversification of providers and rails
A practical guide to building a multi-provider payment architecture in iGaming: choice and mix rails (Cards/A2A/RTP/SEPA/Wallet/Voucher/Crypto), smart-routing and feilover, risk and liquidity distribution, SLA/contracts, monitoring and KPIs (AR, TT tW/TtR, Cost/GGR), scorecard providers, dashboards, playbooks and UAT case package.