Deposits
Ontario's standards allow a deposit only after checks and authorization by a financial services provider. iGaming Ontario says operators generally take online bank transfers, debit cards or credit cards, but each sets its own list, and each bank has its own rules on gambling transactions and fees. Alberta's rule is the same in substance. In both provinces cryptocurrency is described as not legal tender and may not be accepted.
On credit, Ontario's Standard 5.74 bars an operator from lending money, pointing players to credit providers or suggesting more credit. Alberta's standards add that a player may still use a credit card issued in their own name. The Financial Consumer Agency of Canada notes that banks often treat gaming purchases as cash-like transactions, which means interest from the day of the purchase and possibly a fee; see credit cards and gambling for the detail.
Withdrawals
Before money leaves, Ontario and Alberta operators must confirm that the requester holds the account and that the money goes to an account the player legally holds. Both require withdrawals to be made as soon as practicable, and neither sets a fixed number of days. BCLC's PlayNow gives its own figure: allow up to three business days for processing and about one more for the bank.
Quebec's Espacejeux pays withdrawals to a linked personal bank account whose name must match the account holder's exactly.
Payments at Canadian casinos: fees, balances and limits
Every fee has to be disclosed before a deposit or withdrawal, the balance appears in Canadian dollars, and money cannot be moved between player accounts. PlayNow charges no deposit fee itself, though a card issuer may. Deposit limits are enforced by the gaming system, and the responsible gambling page lists what each province requires.
Identity and reporting
Ontario operators collect and validate name, date of birth and address before an account opens. Alberta requires government photo ID that meets FINTRAC rules; provincial health cards are not accepted. FINTRAC counts an online lottery scheme as a casino for reporting, and a single payout of $10,000 or more must be reported within 15 calendar days.
When something goes wrong
The AGCO cannot recover money or settle transaction disputes; a player complains to the operator in writing and may wait up to 90 days. The AGLC in Alberta follows the same route. A charge the cardholder did not make goes to the bank or card issuer, where liability on a credit card is capped at $50 by law.