In Peru, paying online does not have to involve a card. With PagoEfectivo the casino gives you a payment code, and you settle it wherever suits you: in your banking app, at a bank agent or over the counter at a neighbourhood shop.
That is why it has been a favourite with Peruvian players for years, especially those who would rather not put a card number into a gambling site or who simply prefer cash. It is a deposit method, though, and your winnings will travel back another way.
Below are the casinos that take PagoEfectivo, followed by how the code works, how long a deposit takes and what Peru’s licensing rules mean for where you play.
Reviewed byFred Anderson
New Casino
Rated 83 of 100%
welcome bonus
250% up to €4,000 + 250 FS
Can you deposit at online casinos with PagoEfectivo?
Yes. Casinos that serve players in Peru offer PagoEfectivo in the cashier. You receive a payment code, then pay it through online banking, at a bank agent or at an authorised payment point, and the deposit is credited once the payment is confirmed. Withdrawals are made by another method, usually a bank transfer.
PagoEfectivo grew up inside Grupo El Comercio, the Peruvian media group, and turned into one of the country’s best known ways to pay online without a card. The idea is simple. Instead of handing over card details, you get a reference code, and the purchase is complete once that code has been paid.
In 2019 the service crossed the border into Ecuador, and in September 2021 it was bought by Paysafe, the company behind Paysafecard, Skrill and Neteller. Online casinos, betting sites, games stores and travel agencies all use it.
For players, the appeal is control. Nothing is charged until you decide to pay the code, and the casino never sees your bank or card details.
A deposit comes in two parts, and only the first one happens at the casino.
Choose PagoEfectivo in the cashier and enter the amount. The casino then shows you a payment code, the CIP, along with the sum and a time limit. Copy it or keep the page open, because you will need it in a moment.
Now settle the code through whichever channel you like. In a banking app you look for PagoEfectivo in the payments or services section, type in the code and confirm. At a counter you just read out or show the code and pay the amount. As soon as PagoEfectivo registers the payment, the casino is told and your balance goes up.
The size of the network is what sets PagoEfectivo apart. Across Peru and Ecuador there are more than 140,000 places where a code can be paid, which covers three quite different kinds of player:
Paying with cash means your bank statement never shows a casino at all, which some players value more than speed.
Paid through a banking app, a code normally shows up at the casino within minutes. At an agent it can take a little longer, since the payment has to be registered before the casino hears about it.
Keep an eye on the clock as well. Every code comes with a deadline, and once it passes the code is dead. Paying it after that point will not produce a deposit. Simply create a new one in the cashier.
One code covers one deposit of one exact amount. Do not try to pay a different sum, and do not reuse an old code for a second top up.
This is where PagoEfectivo stops. It is built to collect payments, so no casino can send money back to it.
Most casinos that serve Peru pay out by transfer to a Peruvian bank account in your own name. Add your details before you request the first withdrawal, and make sure the name on the account matches your casino profile, or the payment is likely to be held up.
Because the deposit came from a code rather than an account the casino can trace to you, the first withdrawal usually triggers an identity check. Having your ID and a proof of address ready saves days.
Paying a PagoEfectivo code is normally free for the player. The casino covers the processing cost, and most sites add nothing on top. The exception to watch for is a casino that runs your account in another currency while your code is in soles, because then a conversion margin sits inside the amount.
Limits are set by the casino, and since the method is aimed at everyday deposits, the minimum is kept low. Very large deposits are better made by bank transfer, which is also the route your winnings will take anyway.
Peru regulated online casinos and sports betting with Law 31557, and the licensing regime has applied since early 2024. MINCETUR, the Ministry of Foreign Trade and Tourism, authorises and supervises the platforms, and around 60 of them had been approved within the first year or so.
| Licensed by MINCETUR | Offshore casino | |
|---|---|---|
| Supervision | Peruvian authority | Foreign licence only |
| Player tools | Self exclusion and deposit limits required | Depends on the operator |
| Tax | Selective consumption tax paid in Peru | Not paid in Peru |
| Complaints | Can go to MINCETUR | Only via the foreign regulator |
PagoEfectivo is a Peruvian payment method, so you will see it at licensed local sites as well as at international casinos. It is worth checking which kind of site you are on before you deposit.
If a casino does not offer PagoEfectivo, or you want a method that also handles withdrawals, the usual stand ins are a Visa or Mastercard debit card, a direct bank transfer, and at many international sites AstroPay or crypto.
For players who liked PagoEfectivo precisely because it works with cash, Paysafecard is the closest relative. It also comes from Paysafe, is bought with cash and is used for deposits only. Whatever you pick, set up your payout route at the same time, so that a win does not leave you searching for a way to collect it.
A Peruvian payment service that lets you pay online with a reference code, settled through online banking, at a bank agent or at a payment point.
No. It only handles deposits. Casinos usually pay out by bank transfer to an account in your name.
Usually a few minutes when paid in a banking app, sometimes longer at an agent.
Yes. Codes can be paid in cash at bank agents and payment points across Peru.
Paysafe, which completed its purchase of the service in September 2021.
Yes, at platforms authorised by MINCETUR under Law 31557. The licensing regime has applied since early 2024.
Every method we have tested at a licensed casino, with the deposit floor, the payout route and the cost written out for each one.
81 methods
The Author
The Author
Site Admin
