Deposit Options

How To Deposit Funds at BetAmerica Horse Racing

We offer payment methods allowing you to instantly deposit cash at a local store, transfer funds electronically from a U.S. checking/savings account or use your Visa or Mastercard credit or debit card.  Unfortunately Visa & Mastercard decline many transactions with all "online gaming" companies, if your debit or credit card fails on BetAmerica we recommend trying another debit or credit card, or one of our alternative deposit methods.  We also offer fast and simple withdrawal options.

Funding Information to Get Started
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  • EZMoney – Free depositing option using the ACH process. You must have a valid checking, savings, or money market account. Have your account and routing numbers available for setup. Seen as AmericaTab on your bank statement.
  • Credit Card – We accept VISA and MasterCard; issued by a banking institution that accepts our merchant code for online gaming. All deposits have a $5 flat fee charged and requires a CVV code for deposit. Check with your banking institution to confirm any ‘cash advance’ fees. Transaction limits: Minimum Deposit = $1 / Maximum Deposit = $500. Seen as Churchill Downs Technology Initiatives on your credit card statement.
  • PayPal
  • MoneyGram – Offered at several nationwide retailers. Fee is assessed by merchant at $3.95 or more varying by merchant. Transaction limits: Minimum Deposit = $1 / Maximum Deposit = $899 ($2500 / week).
  • PayNearMe - Offered at several nationwide retailers. Fee is assessed by merchant at $3.99 or more varying by merchant. Transaction limits: Minimum Deposit = $1 / Maximum Deposit = $500. ($10,000 / 30 days).
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EZMoney

What is EZmoney?

The EZmoney funding system is a free method for depositing money based on the Automated Clearing House (ACH) process. You can use this method to transfer funds between your checking / savings / money market account and your wagering account for immediate access.

How much does it cost to maintain and transfer funds?

We do not charge transaction fees for using EZmoney. However, any transactions returned by your bank will be subject to a $25.00 per item service fee. Consult with your bank to find out if additional fees are imposed.

How do I make an EZmoney deposit?

  • From the Bet Now page, select "Balance" from the top menu bar.
  • If you've used EZmoney previously, your deposit option may default to EZmoney
  • If not, click on the blue arrow to the left of the defaulted deposit option and then select EZmoney.
  • Enter the amount you wish to deposit to your wagering account.
  • Choose either "Checking" or "Savings".
  • Enter the required, bank routing (9 digit) and bank account numbers.
  • Then choose "Deposit Now" when all fields are completed.

Is there a delay in transferring funds to or from my EZmoney account?

Your EZmoney transactions may take three to five calendar days to complete the banking process.
 Transactions are generated electronically in a batch process. Funds requested on the weekend or a holiday will be processed by our bank on the first business day following. In most cases you will not see any noticeable delay in the transfer process. At times of peak volume during heavy race schedules there may be a slight delay in the processing of EZmoney transactions.

How do I make an EZmoney withdrawal?

You must first set-up EZmoney as a deposit method and have a successful deposit. Once your account has been verified and a successful deposit transactions has completed, you will have the option to transfer to your bank account from your wagering account. You may withdraw any amount from your wagering account less any pending deposits that have not cleared the banking system.
  • Select "withdraw funds" from the "my account" menu.
  • Select "EZmoney."
  • Enter the amount you would like to withdraw from your wagering account into your banking account.
  • Select "Withdraw."
Note: If you are entering banking account and routing information at this point, you will be performing a deposit not a withdrawal.

What are my deposit limits?

The minimum amount for a single deposit transaction is $10. The minimum amount for a single withdrawal transaction is $0.01. The maximum amount of your initial EZmoney transaction is $100. After your first transaction successfully clears the banking system, your dollar-value limit fortotal transactions pending / processing the banking system will be $1000.

How often can I use EZmoney to transfer funds?

Electronic transfers from savings accounts are limited under federal regulations. Our system does not limit the number of individual transactions up to your established dollar-value limit. Some bank services may have monthly transaction limits and charge you an additional service fee. Consult with your bank to find out if your bank imposes additional fees.

How do I change the bank information for EZmoney transfers?

  • Select "deposit" from the "my account" menu.
  • Select "Deposit Now" next to the EZmoney icon.
  • Click "replace".
  • Then follow the same instructions for "How do I make an EZmoney Deposit?".
Important Notes: 
If you have an EZmoney transaction pending on your old bank account, you cannot change to a new bank account until that transaction has cleared. Changing your bank information does limit your "first time" deposit to $100.
 Your bank information cannot be deleted because your account was used for a financial transaction and we are required to keep this information for 7 years. Your privacy is very important to us and, rest assured, we protect this information very securely and make sure it is kept confidential at all times.

How can I request an EZmoney limit increase?

To request a limit increase, please . Please not that you may be required to complete and submit an EZmoney Authorization form and attach a copy of a voided check.

How will this charge appear on my bank statement?

Our merchant account name reads "Americatab" on your bank statement for EZmoney transactions.

What information is checked by Data-X during the activation process?

EZmoney uses Data-X authentication services for account activation to verify account status, standing, and validity. All information collected will not be disclosed to other third parties, as provided in our Privacy Policy.

What does ACH mean?

ACH is an acronym that stands for Automatic Clearing House. The ACH network is a highly reliable and efficient nationwide batch-oriented electronic funds transfer system, governed by the NACHA Operating Rules, which provide for interbank clearing of electronic payments for participating depository financial institutions. The Federal Reserce and Electronic Payments Network act as ACH Operators, central clearing facilities through which financial institutions transmit or recieve ACH entries.

Date Updated: 12/16/2019


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Credit Card

Which credit cards do you accept?

MasterCard and VISA are accepted for online deposits including debit cards which carry one of those logos.

Why is my credit card being declined?

If your credit card is declined for any reason, a message will appear on the screen with the reason for decline.

The most common reason credit cards decline are:

Your bank restricts online wagering transactions. If you have tried a VISA card and been denied, we recommend you try a MasterCard or use a different deposit method such as EZmoney. These funding methods are both transfers from your bank account and have no service fees associated with them.

Address Verification. When you enter your credit card information online, your address is pre-populated with the information that is on file for your wagering account. Please review and verify this information. If the billing address for your credit card is different than what is pre-populated, you will need to change the information in the address fields to match your credit card billing address.

How much does it cost to make a credit card deposit?

Our processor charges a $5 flat fee for all credit card deposits. Please be advised that most banks will charge an additional service fee for cash advances on credit cards. Please check with your bank's card use policies for any additional fees that your bank may charge. Debit cards with the VISA or MasterCard logo are usually not charged the cash advance fee but again, check with your bank to be certain. Transactions charged back for any reason may be subject to a $25 per transaction charge to a player's account. Your bank may impose additional fees.

How will a credit card deposit appear on my credit card statement?

Deposits made from a credit card could appear as "CHURCHILL DOWNS TECHNOLOGY INITI", "CHDN TECH", OR "AmericaTab" on your credit card or bank statement. We suggest you keep records of your transactions and rules regarding online gaming transactions. Your statement may indicate this transaction as an online gaming transaction based on the merchant code used with your bank.

How long will it take for my credit card deposit to appear in my wagering account?

If the transaction is approved by your bank, the funds will be posted to your wagering account immediately and you will receive an emailed confirmation message. However, if your bank declines the transaction, you will receive an error message with instructions.


What are the deposit limits for credit cards?

Credit card deposits are limited to 9 transactions per day. The minimum deposit is $1. Maximums are $500 / transaction, $1,000 / day, and $3,000 / week. To request a limit change please contact Player Services.

How do I make a credit card deposit online using the Desktop Site?

  • Select "Balance" from the top menu bar.
  • If your deposit option defaults to a saved Credit card:
    • Enter the amount you wish to deposit in the dark blue box, just below the saved card information - a default amount may appear in this box, delete it and enter a new amount if you do not wish to deposit that amount.
    • Enter the three-digit CVV code from the back of your card
  • If your deposit option does NOT default to a saved Credit card:
    • Click on the light blue arrow pointing to the left - it should be just left of the deposit option name.
    • Choose the Credit card.
    • If you enter new information, confirm the Billing Address is the same as the address on file.
    • Click "Replace" to enter new card information if you do not wish to use a previously saved card.
  • Choose "Deposit" when all necessary fields are completed.

How do I make a credit / debit card deposit using the iOS App, Android App, or Mobile Site?

  • Select the menu bars on the top right. Be sure to sign-in to your account first.
  • Choose "Cashier", then click on the arrow next to the "Credit Card" option.
  • Enter the amount you wish to deposit to your wagering account.
  • Enter the required information to include your credit card number, expiration date, and CSV code.
  • Review / confirm your card billing information and make changes where necessary.
  • Choose "Deposit Now" when all fields are completed.
Date Updated: 12/16/2019


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PayPal

What is PayPal?

PayPal is a third-party electronic payment processor. To open a PayPal account, please visit PayPal's website at www.paypal.com. Your PayPal account must be linked to your personal bank account and must be verified by PayPal. The PayPal verification process can take 2-3 days to complete. Only one wagering account can be associated with a PayPal account.

How much does it cost to maintain and transfer funds?

There is a $5 service fee for depositing using PayPal. The service fee for PayPal withdrawals is $1. Any transactions returned by your bank or PayPal will be subject to a $25 per transaction service fee. Consult with your bank to find out if additional fees are imposed.

How do I make a PayPal deposit?

A deposit moves funds from your PayPal account to your wagering account. Please review your personal account information before you attempt to set up your PayPal account. This will reduce the possibility that your activation will be denied. Once your PayPal account has been verified, follow these steps to make a deposit to your wagering account:
  • From the Bet Now page, select "Balance" from the top menu bar.
  • If a different funding method is defaulted, click on the blue arrow just to the left of that deposit option - if not, select PayPal from the list of options.
  • Enter your deposit amount then click on "Pay with PayPal".
  • You will be redirected to PayPal's website and you will need to login to PayPal.
  • Select the method of payment used by PayPal that is linked to your bank account.
  • Click continue and wait for your deposit confirmation.

How do I make a PayPal withdrawal?

You must first set-up PayPal as a deposit method and have a successful deposit. Once your account has been verified and a successful deposit transaction has been completed you will have the option to transfer funds to your PayPal account from your wagering account. Funds withdrawn from your wagering account to your PayPal account can be used to buy merchandise at sites that allow PayPal payments. These funds may also be transferred from your PayPal account to your bank account via ACH process. All withdrawals are manually reviewed. Once your withdrawal has been approved, you will receive an email from PayPal stating that we've initiated a transfer to your PayPal account.

What are my deposit limits?

You may deposit up to a maximum of $1,000 / day. PayPal may impose additional limits. You may withdraw a maximum of up to $2,500 / day from your wagering account less any pending deposits that have not cleared the banking system. Players with questions about those additional limits should contact PayPal at (888) 221-1161.

What type of transactions are PayPal deposits and withdrawals?

All deposits and withdrawals are ACH transactions. All transactions are documented by PayPal as payment for goods and services sold. These transactions are subject to 6050W reporting. For more information please visit https://www.paypal.com/webapps/mpp/irs6050w.

What does ACH mean?

ACH is an acronym that stands for Automatic Clearing House. The ACH Network is a highly reliable and efficient nationwide batch-oriented electronic funds transfer system, governed by the NACHA Operating Rules which provide for the interbank clearing of electronic payments for participating depository financial institutions. The Federal Reserve and Electronic Payments Network act as ACH Operators, central clearing facilities through which financial institutions transmit or receive ACH entries.

Date Updated: 12/16/2019


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MoneyGram

How do I make a deposit using MoneyGram?

Go to a MoneyGram retail location. (The MoneyGram location must be in a valid wagering State.)

To find a location near you, Click Here.
  • Pick up the red MoneyGram phone or complete the MoneyGram form.
  • When the IVR system answers or when you provide form to the MoneyGram clerk
  • Select: Pay A Bill
  • Enter: Amount of Deposit
  • Enter: Your phone number
If this is your first MoneyGram deposit, you'll be transferred to an operator. Give the operator your name, address, phone number and your wagering account number. Please note that the wagering account number, last name and zip code must match the information in our system. Also be sure to give the operator the name and Receive ID for the wagering site. If this is your second MoneyGram deposit, the system will look up the phone number you provided on your first deposit. Then give the name and Receive ID for the wagering site.
  • Go to the cashier at the MoneyGram location.
  • Tell the cashier the amount of the transaction.
  • Give the cashier the deposit amount plus the MoneyGram fee for that location.  The fee varies per merchant but is typically $3.95 or less.
  • Get receipt from the cashier with your MoneyGram reference number.
  • Log on to your wagering account and confirm your account balance. Your funds should be in your account.

What is a Receive ID?

It is an identification number used by MoneyGram for merchant accounts. 
The Receive ID for BetAmerica Horse Racing is 12996.

How much do you charge to process MoneyGram transactions?

We do not charge a fee to process MoneyGram transactions. However, MoneyGram charges a $3.95 processing fee.

How much can I deposit using MoneyGram?

You can deposit $899 per transaction, $2,500 per day, $2,500 per week and up to $10,000 per month. For Arizona residents, there is a $499.99 per transaction limit due to Arizona State law. Special note about non-wagering states. MoneyGram deposits may only be made from States that allow Online Wagering. If you are physically in a "blocked" state, you will not be able to make a deposit, even if you live in a legal wagering state. To visit the MoneyGram website for more information on MoneyGram, Click Here.

Date Updated: 12/16/2019


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PayNearMe

What is PayNearMe?

PayNearMe is a fast and easy way to deposit funds to your wagering account. It is a cash only method made easy with locations nationwide for you to make your deposits.

How much does it cost to make a deposit using PayNearMe?

We do not charge a fee for your deposit. However, most retailers charge a fee of $3.99 for the deposit.

How do I make a PayNearMe deposit?

The customer will login to their wagering account and follow these instructions:
  1. From the Bet Now page, select "balance" from the top menu bar
  2. If a different funding is defaulted, click on the blue arrow just to the left of that deposit option - if not, select PayNearMe from the list of options.
  3. Enter your zip code and choose from one of the available locations (currently available at CVS, Family Dollar, Casey's General Store & 7-Eleven).
  4. Click "Pay" to receive instructions on how to obtain your barcode.
  5. Choose how you would like to receive the barcode (print or mobile).
  6. Present your barcode to the cashier at the retailer, with the cash you would like to deposit and the $3.99 service fee.
  7. The cashier will scan the barcode and the funds will be immediately deposited into your wagering account.
  8. Note: legacy saved barcodes may need to be updated

How long does it take for my PayNearMe deposit to appear in my Twinspires account?

Once the cashier processes your deposit, funds will be available in your wagering account in about 15 minutes.

Is this deposit method subject to any limits?

There is no limit to the number of PayNearMe deposits you can make to your account.

However, there are transaction limits:
  • Barcode limits:
    • No limit. Barcodes are Reusable.
  • Transaction limits:
    • Minimum deposit: $1
    • Maximum deposit: $500
    • $500 daily deposit limits
    • $10,000 per 30 day period
Date Updated: 12/16/2019




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