Online gambling. Gambling and fantasy sports fall under this umbrella. The hardest part for online casinos is obtaining online gambling merchant accounts for credit card processing. The first is because it brings together elements of risk inherent in gambling, but also in excessive social media use. Traditional banking solutions aren’t willing to take the risk. PaySpacelv is a Riga-registered PSP. A merchant is considered high-risk from the viewpoint of a credit card payment processor or acquiring bank. Will be charged on a IC ++ pricing model. Best for online CBD and high approval rate: eMerchantBroker. Higher-risk businesses include industries like adult entertainment, online gambling, nutraceuticals, firearms, and several others. However, SumUp does allow lottery kiosks/clubs as an exception. The Reserve Bank of Australia (RBA; 2018) reported that, as of November 2017, there were 16. 6. A gambling merchant account is a credit card processing account for online gambling businesses. Obtaining a payment gateway is never easy. A merchant is considered high-risk from the viewpoint of a credit card payment processor or acquiring bank. Managed-risk merchants are categorized as such because statistics show that they tend to have high chargeback rates and significant numbers of payment disputes. Most payment processors define a maximum chargeback rate—often 1%—that their merchants must stay. Gambling enforcement activities are essential to maintaining the integrity of gambling in B. If your merchant is switching things up, you need to know about it. Many gambling payment processors tend to charge unusual fees from the merchants coming from this particular industry. Onboarding. With specialization and years of experience in working with all types of high-risk merchants, we give you the best experience. 7 Examples of high-risk merchants include direct marketers, adult content, online pharmacies, gambling merchants, outbound telemarketers, travel services, and others. Returns: If your business tends to give out refunds frequently, payments companies may assume that you, the merchant, are doing something. Cybersource, 2021 Global Fraud Report. A unique license is used to randomize the play, which leads to provably fair. 2. When a skill gaming merchant is tied to this code, it results in tighter geographical restrictions, lower conversion rates, and higher payment processing fees for Visa, Mastercard, and other leading credit card companies. The standards for classifying merchants as high-risk or low-risk differs from provider to provider. . Chargebacks911, 2022 Chargebacks Costs. Positive future business projections. 3. General characteristics of a low risk merchant account. Typical reasons for this label is that your account is considered to be at a higher risk of fraud, chargebacks, or a high number of returns. Like almost all high-risk providers, Durango uses a quote-based pricing system and doesn’t disclose fees or rates on its website. A gaming merchant account is interpreted as a high-risk account for many reasons: The turnover rate at your business may be too high. A payment gateway for online gambling is the bridge that connects your gambling/casino website to your online casino merchant account. In gambling, this also means that every play and stake is between you and the gamer alone, thanks to high-risk merchant accounts. #3. A gaming merchant account is interpreted as a high-risk account for many reasons: The turnover rate at your business may be too high. A high-risk merchant account is a label your payment processor has given your business. Gambling marketing influences gambling perceptions and interpretations of gambling and minimizes the risks. GBO offers assistance with finding and matching bank account for gambling business, payment processing solutions and merchant accounts specifically tailored for offshore gaming companies. Below, we explore how a merchant account for online gambling and casinos differs from a regular merchant account and what makes online gambling high risk. Additionally, you will receive a detailed fee schedule for all your transactions. With G2 MCC Check you can. : Best for global payment processing. This includes the emotional and mental impact of gambling, such as addiction, anxiety, and depression. Among past. Why gambling is considered high-risk business. Gambling, betting, gaming. Skill gaming merchants should aim to secure an MCC7994 code. Gambling Slots Merchant Solution for Seamless Gambling Business The global online gambling industry is expected to be worth a whopping $1 trillion by 2021. Credit card companies (VISA, Mastercard, etc. This symbol indicates that your products or services offering is restricted. The latter helps you to better identify the chargebacks. Merchants labeled high-risk often operate in industries prone to regulatory changes, high chargeback ratios, or increased fraud risk. Let’s collaborate, send us your article suggestions, questions, and/or feedback to: [email protected]. That MCC regulates video game establishments and. 5967 – Direct Marketing – Inbound Teleservices Merchant. EPIC Risk Management is a problem gambling awareness and harm minimization organization in the UK and the US. You need to have a way of accepting credit card payments in real-time from your customers all over the world. To get a high-risk merchant account with Shopify, you must find a third-party merchant services provider to handle the backend of your payment processing. Studies on identical twins also show that genetic factors may contribute more to the risk of developing gambling disorder than environmental factors (like adverse childhood experiences). An online gambling merchant account is specifically used for vendors that operate in the high-risk industry of gambling. Returns: If your business tends to give out refunds frequently, payments companies may assume that you, the merchant, are doing. We also do eu or euro web hosting and new business merchant account start up credit card processing and internet sales for pharmacies. This type of account is typically used by businesses that offer services or products that can be purchased on the go, such as food trucks, delivery services, and mobile stores. Permit you to conduct business in both regulated and unregulated sectors. 30 per transaction. Insurers – beware. For more information, please contact us at 800. Management of an Internet Gambling Merchant Accounts Online. Warning signs of fraudulent sites. Payment Gateways: Secure Solutions for Your Business. At SeamlessChex, we provide solutions that help your business get back on track. Most of the eCommerce websites have a merchant account to take care of the payments which are processed through. Continuously establishing the context, identifying, analysing, evaluating and treating risks are the fundaments of risk. Large Average Ticket Size. We accept 98% of all merchants, ranging from big to small businesses. 4. Easy Pay Direct specializes in high-risk industries and has experience working with gaming businesses . What we need to do is look at ways to manage this risk rather than remove it entirely. PayPal prohibits the following activities, even where the specific activity is lawful and/or isn’t legally defined as gambling, unless the transactions are associated with an approved merchant. Each merchant service provider received a rating based on over 50 data points. Policy Administration and Workflow Automate and streamline operations. Merchant monitoring must be an ongoing process beyond the onboarding stage. One key area where they differ is their willingness to accept risk. PayKings. The company guarantees the lowest rates and prides itself on. Best for online and international sellers: Durango Merchant Services. Health and wellness products. An offshore merchant bank account is one established for eCommerce companies in a non-resident country. Conversely, low-risk merchant accounts. As a high-risk merchant, having a backup merchant account will allow you to avoid bottlenecks and potential business closure should Stripe freeze your account. Description. io's Merchant Application Management Software as a Service (SaaS) to optimize and simplify your business operations. Your payment service providers will impose a fee when you use your merchant account, accept credit card payments, or agree to pay from your debit cards. It means that the KYM procedure involves best practices from both the KYC and KYB procedures to ensure the merchant onboarding process is smooth and efficient. Located in California, PaymentCloud is a company starting its business since 2010 designed Authorize. Hence, its functioning is a little bit different from the usual low-risk merchant accounts. If Stripe labeled you as a high-risk merchant, below are common reasons why: Offering digital. High-risk merchant accounts are payment processing accounts geared to businesses operating in high-risk industries and more prone to chargebacks, fraud, regulatory hurdles, and legal issues. Internationally. Less than $20,000 in monthly sales. ISO High Risk (ISO –HR) Contracts with an acquirer to provide merchant solicitation, sales, customer service, merchant transaction solicitation and/or customer training to "high– brand risk merchants". So, If you are planning on operating an online casino or gaming platform, accepting credit cards online is a must. Fraudsters use other people’s cards, which may work but incur chargeback fees. We run through the major UK high street banks and outline what services they provide to their at-risk customers. With more than 20 years of industry experience, we specialize in offering. An online high risk merchant account will help you to accept alternative payment methods, such as prepaid debit cards, e-check for high risk businesses, ACH, and crypto payments, which are not accepted by standard merchant account prpcessors. Receiving a high-risk MCC leads to higher fees and limitations on merchant accounts. Navigating Compliance Challenges. The company focuses on providing tailored solutions and features to satisfy businesses’ needs. Our process is simple so you can focus on your business. The changes are going to force merchants, particularly those in high risk industries, to re-think their chargeback strategies. Step 4: Apply for an account. Stripe: Best for owners of multiple businesses and brands. A similar scheme involves merchants who want to engage in “high risk” activity, such as online gambling, but don’t want to pay the higher fees charged to high-risk merchant category codes. Pick it when on the lookout for a high-risk merchant account. Durango Merchant Services: Best for highest-risk businesses. However, firearms merchants are also classified as high-risk and obtaining an online firearms merchant account is extremely difficult. To get a high-risk merchant account, one needs to fill out the. There has been a sudden surge in alternate payment methods,. Paydoo: It supports merchants in cryptocurrency, travel and hospitality, forex, binary, gaming, ecommerce, and most other high-risk ventures. Those serious about acquiring gambling merchants need to take it seriously. Online gambling, online dating and software/hardware sales are, for example, generally qualified as high-risk. See full list on nationalmerchants. Based in Lindon, Utah, National Processing is a high risk merchant account provider that is capable of serving international gambling merchants. 3. 1. National Processing. PayKings (Merchant Payments Acceptance Corp LLC) is your powerful partner in global transaction Low, Medium, and High Risk Merchant Accounts processing. Payspacelv specializes in high-risk industries, so it can be the ideal solution for the gambling enterprise, taking into account the minimal rate of processing charged by the company – from 1. Let’s start by busting some myths and revealing common pitfalls with business risk management. Specialized Risk Management Tools. Understanding High-Risk Merchants. Merchants that present a financial risk to the payment processor are assigned a high-risk MCC. net is a payment gateway company that provides payment processing options for businesses, especially small and independently-owned businesses. For over 20 years, we have been helping merchants with high-risk merchants and businesses, niche businesses and emerging business types get set up with innovative payment processing solutions. 8. Experience a secure and seamless gambling payment processing solution with PayFasto’s gambling merchant account. In the end, consumers in the United States would be better protected than they are now. Why being labelled “high-risk” can have an impact on your payment processing. ” Several additional factors go into determining whether a business is a high risk, including the business’s industry, its history of chargebacks, and its average transaction amounts. Adult entertainment. With an online gambling merchant account, online gambling and casino merchants can accept payments from customers in a variety of currencies and payment methods, including credit cards, debit cards, and e-wallets. You can also contact us online. These businesses often operate in industries associated with high chargeback rates, potential fraud, and legal or regulatory issues. Other risks include fraud and reputational risk. Credit card companies (VISA, Mastercard, etc. The gambling and gaming sectors are classified as high-risk industries. 7995 – Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, Wagers at Race Tracks and games of chance to win prizes of monetary value. Provision and disclosure of Data and information 7. Some customers might join your gaming. They then monitor those businesses via a four-digit Merchant Category Code (MCC). What is a high-risk merchant account? A high-risk account is a specialized banking solution for businesses operating in industries deemed high-risk due to legal, financial, or regulatory complexities. High-risk merchant services are costly, but operators get reliable products that cater to an array of online payment needs. Durango: Best for International Businesses. SMB Global: Best for Ultra High-Risk Merchants. High-risk industries are typically defined as businesses that are considered to pose a higher risk of chargebacks, fraud, or other types of financial losses to merchant services providers and processors. Most online casino payment gateways make it attainable to receive payments by credit/debit card, cryptocurrency, digital wallets, and net banking. With the strengths in placing high-risk businesses, this PaymentCloud brought the high-risk merchants a lot of benefits such as a network of third-party processors. Easy Pay Direct: Best for Scaling High-Risk Businesses. These fees are quite high compared to some other providers, but you can be approved for your merchant account in around 48 hours. Use of Stripe's services for any dealings, engagement, or sale of goods/services linked directly or indirectly with jurisdictions Stripe has deemed high risk, such as Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, and Luhansk Regions, or persons Stripe has deemed high risk, such as those individuals or entities named to a. Thanks in no small part to the. This recognition has led to demands for public health strategies at the local, national, and international levels. When it comes to monitoring and preventing fraud, gambling. Moreover, PaySpacelv has highly effective technical service. PayPal prohibits the following activities, even where the specific activity is lawful and/or isn’t legally defined as gambling, unless the transactions are associated with an approved merchant. There’s risk for a merchant account provider, like an issuing bank, due to the high amount of money that changes hands, a high chance of fraud in the industry, and handling the high frequency of transactions. Online gambling is popularly known as gaming in the merchant service industry. Medium-risk merchants should invest in robust fraud prevention tools and employ strategies like customer authentication and proactive chargeback management. 14 trillion by 2020 based on the findings and projections of…Gaming industry is considered special on top of being categorized as high-risk. Dharma’s monthly fee is $20 per month. With a focus on transforming the payment landscape, the company's innovative approach has propelled it into rapid growth, making it a game-changer in the industry. The proliferation of gambling opportunities worldwide, including continuous online gambling, has generated concern over how to protect individuals and families from harm caused by excessive spending. Understanding High-Risk Merchants. It aims to make merchant risk management efficient and beneficial to any industry. Some payment processors shun high-risk merchants, while others are more accommodating. Stax: Best for avoiding transaction fees. 35 Euro per transaction. This pricing is very good in the high-risk. Even the slightest mismanagement can result in major losses. Manage Cashflow and Capital. For example, a warning sign could be when a person spends €3k ($3. Internet businesses with offshore. How High-Risk Merchants Can Navigate the Compliance Maze. R. Dealers and / or payment providers should always carry out a detailed fraud management. 3. November 14, 2021. Ongoing Support. Also, we are #1 High-Risk Merchant Service Provider in 2018, and 2019. We founded Justt to deal with chargebacks on behalf of merchants. Such businesses are more likely to face financial issues due to unforeseen circumstances. 5 steps to managing high-risk gambling merchants. Best for businesses that want a wide variety of terminals and POS systems. The Gambling Commission stated these failings stemmed from inadequate anti-money laundering (AML) policies and processes, as well as inadequate senior-management oversight. Another crucial thing to consider is that not all financial institutions work with offline and online businesses specializing in casinos, betting, gambling, etc. Security is the priority for any retailer. Many banks are now working on plans to help customers restrict their spending on gambling, offering gambling blocking solutions, with some banks allowing customers to 'turn off' payments to certain types of retailer, including. An offshore merchant account is a type of bank account specifically designed for businesses outside their home country. Though online gambling produces a ton of data – bets, deposits, searches, and withdrawals – every day, most merchants fail to take. ECS Payments can. It is a landmark decision by the U. Worldpay already provides high-risk merchant accounts to over 150 gambling businesses, including big names such as William Hill, bet365, and Ladbrokes. Get a secure payment processing solution in as little as 24 hours. E-gaming companies operating an online casino need a merchant account in order to accept payments from their players. Step 1: Call or Email us and speak with one of out experienced Merchant Advisors. Top Quality Gambling Credit Transfer Solutions for winning amount transfer. As long as your business has a monthly processing volume of at least $50,000 per month, we can help you get. Lydia Thomas, a producer on Radio 4’s You and Yours, gave evidence to a 2019 House of Lords inquiry in which she described receiving data that showed “evidence of problem gambling, for example, gambling all night, on obscure sports, or using a range of. You can load balancing by diverting. This classification is due to the higher incidence of chargebacks, regulatory complexities, the global nature of. Today, most merchants looking to sell a product or service online can quickly get their payment system live with the help of a modern checkout platform. Encryption Support Organizations (ESO) Performs cryptographic key management services to support clients' ATM programs or to deployDurango Merchant Services is one of the oldest and best high-risk merchant service providers. 7995 – Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, Wagers at Race Tracks and games of chance to win prizes of monetary value. A high-risk merchant account is a type of bank account specifically designed to cater to businesses with higher levels of risk associated with their operations. 5967 – Direct Marketing – Inbound Teleservices Merchant. Online gambling/gaming merchant accounts are very similar to fantasy sports merchant accounts because risk and skill are involved in both. Typical reasons for this label is that your account is considered to be at a higher risk of fraud, chargebacks, or a high number of returns. Below is an inexhaustive list of each high-risk industry and its correlating merchant category code: High-Risk Industry (A-F) MCC. It can be very difficult to find the best gambling payment processor. Finding the right merchant account can be a challenge for online gambling companies. Say goodbye to cumbersome processes and. Average transaction of less than $500. Specialized industry focuses: High-risk payment gateways may specialize in providing specific businesses deemed high-risk, such as online gambling, adult entertainment, or medicines. Most merchant account suppliers are willing to listen and support business owners who learn from their mistakes. It authorizes you to take the amount in various currencies and payment modes. Sales via Visa and Mastercard still lead the way for online gambling purchases, particularly in Europe. It would be best if you didn’t. ; 1 The Merchant of Venice is one of Shakespeare’s plays in which gambling features most prominently. Show Summary. Encryption Support Organizations (ESO) Performs cryptographic key management services to support clients' ATM programs or to deploy Merchant Category Code. Chargeback fraud: iGaming sites often act as e-wallets, where players can deposit funds using credit cards. High-Risk Merchants vs Low-Risk Merchants. It means that the KYM procedure involves best practices from both the KYC and KYB procedures to ensure the merchant onboarding process is smooth and efficient. With high risk merchant accounts, the bank may use risk management strategies like a rolling reserve, to protect the bank and the merchant from potential losses. 95% for every transaction compared to 0. A high-risk designation arises due to certain circumstances that affect a business, not necessarily the type of business it is. S. Besides equipping your gambling merchant account with chargeback prevention tools, think of embracing chargeback monitoring and alerts. The global gambling market is worth billions of dollars, and with the rise of online gambling, the industry has become even more vulnerable to. It is a crucial element to both plots throughout the play since. Outbound Telemarketing (card-absent) MCC 5968. This report is based on a survey of MRC and non-MRC merchants from around the globe, who were asked about their eCommerce fraud. Lottery, betting and gambling. The latter is especially crucial, as data from Chargebacks911 states a single chargeback will cost merchants $190. Apply here to set. Demystifying business risk management. The high-risk designation can make it difficult for large and small business owners, startups and service providers to find a way to accept customer payments. The company has a positive reputation for transparent customer service and reliable support. Gaming Transactions you must use a fraud and risk management product or service acceptable. This applies to businesses selling goods or services within the adult, gambling, cannabis, and other industries considered high risk. net. A merchant may be considered high-risk for various reasons, including actual evidence like high chargeback rates, or guilt by association,. Chargebacks Prevented. 13 E-mail from Chief, Cyber-Fraud and Financial Crimes Section, Division. If you own a business, you understand the value of having a dependable payment processing solution. . Stripe. Christian: Ongoing monitoring is required by regulatory authorities and credit card organisations as part of enhanced due diligence for certain merchant types. While the codes of 7994 and 7999 are considered medium risk, 7995 is. While merchants are typically corporate entities, they can be natural persons as well. 4. The high risk merchant distinction has so many variables to it. 5% from 2020 to 2027. The subsets contain 1-year of customer. Dharma’s monthly fee is $20 per month. When your business has been labeled a high-risk merchant account, you will almost always pay higher. Merchants coded under MCC 6211 must:Excluded merchant types (but ay b e sig n d under direct acquiring greements): Internet pharmacies, ter t harmacy referral ites, an outbound telemarketers. Onboarding. 7995 or 7999. 4. By offering alternative payment options, casinos can cater to the diverse preferences of their players and provide a seamless deposit and withdrawal experience. That includes completing ALL your accounts in full, filing them correctly – on time – then making all of that accessible to the Acquirer/Processor. These types of merchants usually pay higher fees than average, but the benefits may outweigh the cost. Square. g. Source of funds (SoF) verification. Chargeback. Account funding, stored-value card purchases, and prepaid loans (non-financial institution) 6540. Compared to other business types the gaming business presents a higher risk to the underwriter and that is why this merchant business is called high risk by banks and merchant account providers. Navigating the challenges of high-risk merchant accounts can be daunting for business owners, but partnering with a provider like Axcess Merchant Services can make the process more manageable. If you’re having a hard time finding a merchant account provider, then United Banc Card of TN is the business for you. To be able to accept and process any form of card payment or other electronic payments like bank transfers, digital wallets, e-invoices, etc, a business needs to have a merchant account. Define your project needs. The Pros. For example, gambling merchants can choose from multiple codes: 7801—Government-Licensed Casinos (Online or Internet Gambling) 7995—Gambling Transactions Betting (Sportsbook, fantasy, social gaming; when regulated and not covered by other MCCs) (D) or. Offshore High Risk Merchant Account Providers. With an increasing rise in the popularity of online gambling, you may be considering opening a business of your own in the industry. , online casinos, sportsbooks, and lottery providers). Our TMF or MATCH list merchant accounts allow you to get back to receiving credit card and eCheck payments - without exorbitant fees or excessive scrutiny. When selecting a high-risk merchant account for your online gambling business, there are several key factors to consider: Industry Expertise. Especially acquirers with many high-risk merchants in their portfolio have to implement a solid monitoring framework. Manage Cashflow and Capital Treasury and Risk Management Modernize treasury and optimize the balance sheetJuly 17, 2023. Request Demo Discover Now. 1. They have had to use either direct providers, horizontal industry gateways that have been open to serving high-risk merchants and high-risk specific gateways (e. There are several criteria to determine the risk level of a business: high transaction volume, international payment (geographic location. It provides a secure bridge for your #gambling_platform to #. Especially acquirers with many high-risk merchants in their portfolio have to implement a solid monitoring framework. If you run a business that belongs to a high-risk category, you should be especially cautious about the choice of a processing provider. Likely to have a rolling reserve attached to it. With a high-risk merchant account from a gaming merchant, you may process online payments without the need for a bank or an electronic wallet. Processes less than $20,000 monthly. There’s risk for a merchant account provider, like an issuing bank, due to the high amount of money that changes hands, a high chance of fraud in the industry, and handling the high frequency of transactions. That MCC regulates video game establishments and arcades. Closing Notes. High risk merchant account providers in the UK will consider your application more favorably if you can provide a detailed business plan. Acquiring gambling merchants is not something any acquirer can dabble with in the corner of their portfolio. com — Best for any high-risk business, with a 99% approval rate, no credit score requirements, 24-hour approval, and chargeback prevention. Both banks and their regulators have been focusing on the issue of high-risk merchants with differing points of view as to how to deal with them. Armed with years of experience navigating the baffling world of payment disputes, we built. Security Payment In any business, the risk is unavoidable. The Problems For High-Risk Merchants. How many years after Shakespeare’s death does the word risk appear in the Oxford English dictionary. Accept all major credit cards and APMs with a multi-currency gateway. Payment Gateways: Secure Solutions for Your Business. Integration. With a primary emphasis on serving the Indian market, Cricpayz has been a cornerstone in providing seamless payment solutions for local systems such as IMPS, UPI, NEFT, and RTGS. Normalization is a long-term process, including sub-processes of cultural and legal legitimization. Once a merchant is set up, the payment processing involves the. We specialize in high-risk merchant accounts and will set up a dedicated merchant account to keep your deposits flowing, no matter what. To discuss your payment management needs with one of our expert advisors. We take Visa’s Global Brand Protection Program very seriously and we can also work with you if you fall under one of their High-Brand Risk Merchant Categories. Merchant accounts allow your business to accept credit and debit cards online. This includes a failure to have a customer interaction policy in place until 2015, and no specific provision for VIP or high-value customers in place until 2017. Psychological Risk: In addition to financial risk, online gaming also comes with a certain level of psychological risk. High-risk merchants are often associated with businesses that have a high level of exposure to lawsuits, other legal actions, fraud, chargebacks and higher transaction sizes. merchants), and merchant (e. Mastercard Rules. Stripe. We are impressed by EveryMatrix’s gaming portfolio and its ability to integrate with our. Show Summary. Online gaming and gambling. To learn more, please visit our website or call us at (866) 987-1969. ) are the entities that determine whether or not a merchant is high-risk. These businesses often operate in industries associated with high chargeback rates, potential fraud, and legal or regulatory issues. Some customers might join your gaming service or website for a bit and then leave. A high-risk merchant is a label given to a business by a payment processor. Risk Controls. Secondly, you have to set up in-app payments. Compared to other business types the gaming business presents a higher risk to the underwriter and that is why this merchant business is called high risk by banks and merchant account providers. In casino games, the fast pace of play and the potential for big wins can be thrilling, but they can also be addictive. Acquirers and PSPs should regularly compare merchants’ current behaviors with their initial expectations during the onboarding stage to ensure they still align. As a high-risk merchant, having a backup merchant account will allow you to avoid bottlenecks and potential business closure should Stripe freeze your account. PaymentCloud — Best for businesses looking for completely customized payment packages, fraud prevention tools, advanced payment gateways, and merchant funding. Merchant account services. By addressing the unique challenges faced by high-risk merchants, Cricpayz has become a trusted partner, enabling businesses to transact securely and efficiently. Starting on October 17, 2020, Visa is expanding the categories of merchants they're identifying as High-Brand Risk (HBR). We offer support to companies who need an online gaming merchant account for a sustainable business. • The Gambling Commission is consulting on whether it should ask gambling merchants to carry out affordability checks to assess whether consumers can afford.