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While credit transaction cards are used to buy everything from human being skeletons come celebrity encounters this days, the winner of the next big lottery illustration will likely purchase a file ticket, in person, v cash.

Lottery ticket sales are banned by regulation in many states and also even where you have the right to buy them, credit cards are regularly forbidden together a method to to buy them, one of two people by state regulation or through the banks themselves. Simply 20 states permit lottery purchases through credit cards, and seven that those leave the decision as much as retailers. (See chart below: “State rules for buying lottery tickets through a credit card.”)

Want come buy a Powerball ticket online? Odds room you can’t – legally, anyway. Follow to the main Powerball website, most of the states in the Powerball network, Washington, D.C., and also the U.S. Virgin Islands every forbid online Powerball ticket sales on main state lottery sites, Those that execute permit together transactions still need purchasers come be within same-state boundaries. If her state isn’t in the Powerball network, you could have to take trip to a participating state to make a legal ticket purchase.

State laws set the rules, retailers have sway

Since gambling is regulated by state law, the regulation in your state identify whether you deserve to buy lottery tickets through plastic. In Connecticut, because that example, you can not buy tickets with a credit card. But you have the right to use a gift map or debit map – unless the details retailer prohibits making use of debit. In a handful of states, including Tennessee and South Carolina, lottery tickets may only it is in bought with cash.

Other states, including Pennsylvania and also Kansas, leave it as much as individual retailers to decide which forms of payment to accept.

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Fears that gambling seeks

The key reason because that prohibiting the use of credit transaction cards is that compulsive gamblers can accumulate unmanageable debt. Credit transaction counselors warn that this is mainly an concern for civilization with negative financial self-control.

“If you nothing have sufficient cash to buy a lottery ticket, you shouldn’t be paying with a credit card,” states Bruce McClary, spokesman because that the National structure for credit transaction Counseling. “Irresponsible usage of credit deserve to lead come unmanageable debt and also the serious results that follow. Even if it is it is fueled by gambling or various other factors, overspending is a serious trouble that deserves immediate attention.”

Avoid acquisition cash out of one ATM through your credit transaction card, too.

“If a an equipment can’t expropriate credit cards, their following instinct might be to walk to an ATM and get a cash breakthrough with their credit card,” said McClary. Since of the high APRs typically linked with credit transaction card cash breakthrough transactions, “You room actually ending up costing yourself more by doing that. That a an extremely dangerous relocate to consider getting a cash breakthrough to pay because that a lottery ticket.”

Use caution through online reseller sites

Some businesses are seizing the chance to target lottery players who desire to usage plastic, yet may not have that alternative in their area. Use them v caution as soon as attempting come buy lottery tickets online.

Third-party lottery sale websites such as Nicosia, Cyprus-based allow consumers to acquisition lottery ticket online, through credit cards as among the payment options. They’ll send who to buy the ticket on your behalf and then hold them. You salary a premium because that the service, and you need to trust they’ll pay off.

The Powerball site concerns this warning: “There room no regulations of website that claim to sell tickets or to market you a ’service’ to buy and hold tickets because that you. Many lotteries think that they would certainly violate state and federal legislations if they paid on those ticket purchased (if in reality purchased) by an unlicensed reseller.”

Purchase rules differ by state

However, just state lottery organizations and also licensed retailers can legally offer lottery tickets in the U.S., and also no one have the right to sell lottery tickets across a state border. So, if you space in Alabama trying come buy a ticket virtual for a lottery in an additional state, think again. There’s no guarantee your purchase – and also even winnings, if her numbers complement up – is legitimate.

For various other lottery games, some claims have begun offering their own online lotto ticket sales come state residents. In 2012, Illinois came to be the an initial state to permit online to buy of separation, personal, instance lottery tickets. Because then, countless other states, including Minnesota, Georgia and Kentucky, have followed suit. The Kentucky Lottery also offers a mobile app for on-the-go gamblers.

Cards may ban sales, too

In plenty of cases, though, the decision about whether to accept credit map lies at some point with lottery ticket retailers and also even credit transaction card issuers. Number of of the claims that enable credit map payment because that lottery tickets ultimately leave it as much as retailers to recognize acceptable payment methods.

Plus, even in states where credit card purchase are permitted by the government and retailers, your card firm or issuing bank may have actually rules that its own. American express prohibits the usage of the cards because that gambling services, according to a representative.

Visa and also Mastercard declined to talk about their policies regarding lottery ticket purchases, however recommend consumers ask their credit transaction card’s issuing financial institution for much more specific lottery purchase information.

“If the state and also retailer enables it, that still as much as the financial institution to recognize whether they can use their card,” stated Steve Kenneally, vice chairman of American Bankers Association facility for Payments and also Cyber Security. Banks have the choice to block lottery transaction that might be lawful, or regarded as too lot of a hazard or legal responsibility by the gaue won institution. Read your specific cardholder commitment to watch if her bank-issued credit transaction card could do this.

“If over there is a policy that friend cannot usage your map for wagering, they will certainly block any transactions that come in noted as such,” Kenneally added. “It’s perfect legal to block it. The action is actually called ’overblocking.’”

State rules for buying lottery tickets with credit cards

StateCredit cards embraced for lottery purchases?
Alabama No. Lottery not permitted in state
Alaska No. No in-state lottery.
Arizona Yes. Cash, credit cards, debit cards, money order or travelers check are welcomed payments. Buying tickets with a credit card is in ~ the discretion that the individual retailer.
ArkansasNo. According to the state’s frequently asked questions page, every sales the tickets are for cash, debit map or other noncash, nondeferred forms of payment such as Apple pay or Google Wallet apps. Payment through check, credit transaction card, fee card or any form of deferred payment is prohibited.
CaliforniaYes, yet credit or debit cards have the right to be supplied to to buy lottery tickets just at Play at the Pump gas stations and also via (for a fee).
ColoradoNo. Tickets must be sold on a cash-only basis. “Cash-only” includes checks, money orders and debit cards. Retailers might have different a different policy concerning accepting checks and debit cards because that purchase.
ConnecticutNo, however you have the right to use debit cards come buy lottery tickets, relying on the retailer.
GeorgiaNo for credit cards. Yes for PIN-based debit cards, however that is approximately the retailer and also the retailer may pass top top transaction fees.
HawaiiNo. Lottery not enabled in state.
IdahoYes, and debit.
IllinoisYes. You also can acquisition tickets virtual at the Illinois Lottery website. You can use Visa, Mastercard or find credit or debit cards come pay for your online purchase.
IndianaMaybe. Acceptance of credit or debit cards for lottery ticket to buy is in ~ the discretion of the retailer. According to the Hoosier Lottery, most retailers perform not expropriate debit or credit transaction cards as result of the fees linked with the transactions.
IowaNo. Credit cards might not be offered to purchase lottery tickets. Lottery tickets can be purchased native lottery retailers with cash, debit cards and checks in accordance through payment policies at the specific location involved.
KansasMaybe. The Kansas Lottery’s website claims it has actually no prohibition against using a credit card or debit map for lottery purchases. Even if it is to allow purchases of lottery commodities with a debit or credit card is left to the discretion of every store.
Kentucky Yes. You deserve to purchase lottery ticket via credit or debit card via Kentucky Lottery’s iWallet, according come the state’s lottery site. Minimum iWallet deposit is $10. However, no all lottery retail locations will take credit or debit cards together payment because that lottery due to fees they might need to pay for the transaction, the Kentucky Lottery says.
Louisiana Maybe. It relies on retailer. The Louisiana Lottery website states: Even though regulations enable credit cards to be used to purchase lottery tickets, retailers can decide what kind of payment they will certainly accept and also some do not expropriate credit cards to buy lottery tickets.
MaineMaybe. That is in ~ the discretion of the retailer. The Maine Lottery subscription beat service does not enable payment through credit cards.
MarylandNo. Cash, debit, check and money assignment are welcomed as payment.
MassachusettsNo, however season ticket lottery tickets have the right to be bought using Visa, Mastercard or find credit cards.
MinnesotaNo. Minnesota patent retailers offering lottery tickets to expropriate coin, currency, money orders and checks because that the payment the lottery tickets, yet retailers can select not to accept checks or debit cards for lottery tickets.
MississippiNo. Lottery not enabled in state.
MissouriMaybe. Every retail location is cost-free to accept or refuse debit or credit transaction cards because that lottery purchases. Because that example, Missouri is a state that allows Pay at the Pump lottery purchases through credit cards.
MontanaNo. Credit cards also cannot be supplied to purchase lottery tickets online.
NebraskaMaybe. It depends on retailer.
Nevada No. No in-state lottery.
brand-new Hampshire No, not online or in person.
new Jersey No, but debit cards are OK.
new Mexico No, cash or check only.
new York Maybe. It counts on retailer.
north Carolina No. Acceptable forms of payment include cash, check, debit card and gift map at the retailer’s discretion. In phibìc Carolina, only debit cards deserve to be used for Play at the Pump.
north Dakota No. A credit card can not be provided to purchase lottery tickets. Depending on keep policy, the retailer may permit a examine or debit map for the purchase of tickets, according to the state’s faqs page.
Ohio Yes. Also, Ohio Lottery self-service ticket vending equipments now accept cash and also credit and debit cards.
Oklahoma No. Lottery purchases are cash-only transactions.
Oregon Yes, and debit.
Pennsylvania Maybe. It relies on retailer. Follow to the Pennsylvania Lottery, while many lottery retailers accept only cash because that games, over there is no regulation barring the usage of credit transaction or debit cards to pay for lottery tickets.
Rhode Island Yes.
southern Carolina No. All lottery tickets should be paid for with cash.
south Dakota Maybe. It counts on the retailer.
Tennessee No. Under Tennessee law, lottery tickets can only be purchased v cash.
Texas No. Texas law prohibits acquisition of lottery tickets by credit transaction cards or food stamps. Retailers, in ~ their own discretion, might accept a check for tickets. Retailers can accept a debit map for payment.
Utah No. Lottery not allowed in state.
vermont Yes.
VirginiaNo. You can purchase lottery games with cash, debit, and prepaid gift cards (like Visa and also Mastercard). Under the Virginia Lottery law, you cannot play gamings with credit cards. You might want to examine with your local retailer around debit. Some have store policies that execute not allow debit for lottery games.
WashingtonMaybe. It counts on retailer. Follow to the Washington Lottery: plenty of of our retailers allow you to acquisition tickets with debit or credit cards, and some will just take cash. Countless of our retailers have actually lottery ticket vending machines in your stores that just take cash.
Washington, D.C.No, cash only.
West VirginiaNo.
WisconsinNo. Through law, lottery tickets in Wisconsin might only it is in purchased with cash.

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Wyoming No, and also no debit either.
Source: research, December 2017

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