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Sweepstakes

Unlike traditional iGaming, the sweepstakes industry utilizes a "Free-to-Play" promotional structure. This allows offshore startups to legally serve the US market by removing the "consideration" element of gambling.

Use MAC to match with the right high-risk merchant service provider in a few simple steps.

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Entering the American market from jurisdictions like Malta, Curaçao, or the Isle of Man requires more than just a gateway—it requires a partner that understands US-specific sweepstakes laws.

In 2026, offshore startups face a 70% higher rejection rate from domestic US banks. We bridge that gap with direct merchant links and legal compliance expertise designed specifically for international operators.

Why Offshore Startups Need Specialized Processing

  • MCC 7994 Optimization: Proper coding as "Video Games" to bypass 7995 gambling blocks.
  • High Authorization Rates: Stabilized transactions for US-issued Visa and Mastercard.
  • Real-Time Redemptions: Fast USD prize payouts for US-based winners.

The 2026 Sweepstakes Model

Successful processing depends on a clear technical distinction between your virtual tokens. This is the "Safe Harbor" logic that underwriters require for approval.

The Dual-Currency System

Gold Coins (GC)
Virtual currency with zero monetary value. Users purchase these for social gameplay. Revenue is processed under MCC 7994.
Sweeps Coins (SC)
Promotional entries that are never sold. Gifted via bonuses or mail-in requests and redeemable for USD prizes.

Legal Pillars for Approval

Underwriters verify these three "Safe Harbor" requirements:

  • No Purchase Necessary: Must be 100% playable for free.
  • AMOE Support: Active Alternative Method of Entry (e.g., mail-in requests).
  • Skill vs. Chance: Compliance with US state "Dominant Factor" tests.
Pro-Tip for 2026: Ensure your "Sweeps Coins" are never referred to as "credits" or "deposits" in your CSS classes or API calls. Modern bank AI filters scan for these keywords to trigger automated gambling flags.

Compliance Checklist for 2026 Approval

RequirementStatusImportance
US Legal Opinion LetterMandatoryProves legality to US banks
AMOE SupportMandatoryPrevents "Illegal Lottery" classification
Offshore Corporate DocsRequiredValidates business entity

Tired of getting flagged?

Stop guessing and start processing. Find a stable US-friendly home for your offshore startup in under 60 seconds.