Creating and using an online gambling account in New Jersey
- 1 Creating and using an online gambling account in New Jersey
- 1.1 How do I create an online gambling account in New Jersey?
- 1.2 How do I create a real-money gambling account?
- 1.3 What is a Know Your Customer check?
- 1.4 Is the process different to create a casino account and a poker account?
- 1.5 Is there a minimum age requirement to open an online gaming account in New Jersey?
- 1.6 Can I create an account in person at a New Jersey casino?
- 1.7 Do I have to live in New Jersey to open an account?
- 1.8 Can I gamble online if I leave New Jersey?
- 1.9 How will an online site in New Jersey know if I am in New Jersey?
- 2 NJ online gambling: banking
- 2.1 What is the procedure for depositing at an online gaming site in New Jersey?
- 2.2 How will I receive my money when I withdraw from the site?
- 2.3 Do employees of the online poker site have access to my banking and credit card details?
- 2.4 Are there any daily, weekly, monthly, or yearly deposit limits?
- 2.5 Will play-money games be available?
- 3 Online regulations in New Jersey
- 3.1 Where can I see the law and regulations that cover online gambling in New Jersey?
- 3.2 How many classes of licenses are available in New Jersey?
- 3.3 What is the definition of a Casino Service Industry Enterprise License?
- 3.4 What is the definition of an Ancillary Casino Service Industry Enterprise License?
- 3.5 What is the definition of a Vendor Registrant?
- 3.6 What license does an online gaming provider have to hold?
- 3.7 Who can apply for an online gambling license in New Jersey?
- 3.8 Can a company offer online gaming in New Jersey if they do not own a brick & mortar casino in New Jersey?
- 4 Responsible gambling
- 4.1 Who will oversee online casinos in New Jersey?
- 4.2 Are online gaming providers required to run games fairly?
- 4.3 Can I file a dispute if I feel I have been treated unfairly?
- 4.4 What games will be available online in New Jersey?
- 4.5 Can an online casino ban me from playing?
- 4.6 Can I self-exclude myself from participating in online gaming in New Jersey?
- 4.7 Is there information available for problem gamblers?
- 4.8 If I am banned at a casino in New Jersey can I play online?
- 5 FAQ: NJ’s Regulated Online Casinos
- 5.1 When did NJ start offering legal online gambling?
- 5.2 Who can offer legal online gambling in NJ?
- 5.3 Who regulates these sites?
- 5.4 Is my money safe at these casinos?
- 5.5 How did legal online poker come about?
- 5.6 What are the advantages of regulated online gambling sites?
How do I create an online gambling account in New Jersey?
To create an online gaming account in New Jersey you will need to register at an approved online gambling site. The registration process involves submitting a standard online form with your name, address, phone number and so on.
How do I create a real-money gambling account?
To create a real-money online gambling account you will not only have to register through a licensed New Jersey online gambling provider, but you will also have to undergo and pass a Know Your Customer check to prove your age and identity. In order to participate in real-money games you must also deposit money into your account.
What is a Know Your Customer check?
A Know Your Customer (KYC) check is the verification of a player’s identity. KYC checks are conducted by licensed third-party vendors and verify both age and identity through the use of public databases and other identity verification methods including address verification and credit reporting agencies.
Is the process different to create a casino account and a poker account?
No, the process is the same whether you register at an online poker site or an online casino site.
Is there a minimum age requirement to open an online gaming account in New Jersey?
Yes, in order to participate in real-money online gambling in New Jersey you must be at least 21 years of age.
Can I create an account in person at a New Jersey casino?
No, all accounts must be created online through the approved websites.
Do I have to live in New Jersey to open an account?
No. You can register your account from anywhere in the country and participate in the site’s play-money games. However, to participate in real-money games you must be located physically within New Jersey’s borders.
Can I gamble online if I leave New Jersey?
No. Even if you are a New Jersey resident and an approved player (you have passed a KYC check) you will not be allowed to participate in real-money games once you leave the state. The site’s geo-location tracking will disallow you from playing in games once you are outside of New Jersey, but you will still be able to access your account page.
How will an online site in New Jersey know if I am in New Jersey?
The initial KYC check will verify a player’s address, and to verify a player’s current location the sites will use a combination of IP verification and geo-location tracking provided by third-party vendors that are licensed in New Jersey.
NJ online gambling: banking
What is the procedure for depositing at an online gaming site in New Jersey?
There will be several options available to fund your online account, including credit and debit cards, Electronic Checks (ACH), Bank Wires, as well as other potential options approved by regulators and offered by the online casinos. One alternative choice that will also be available will be the option of depositing at the online casino’s brick & mortar location.
How will I receive my money when I withdraw from the site?
To withdraw from your online gaming account you must first meet any criteria set forth by the site (such as clearing a deposit bonus), and then it is simply a matter of selecting the withdrawal method you would like to use from the listed options at the site. A second option is to request a withdrawal in person at the cashier cage of the casino.
Do employees of the online poker site have access to my banking and credit card details?
No. The online poker site is in essence no different than any other online merchant, with the same restrictions regarding information and account access.
Are there any daily, weekly, monthly, or yearly deposit limits?
Yes. Players in New Jersey can set their own limits, and the regulations also call for wagering limits to be set and time limits restricting the length of time a player can be logged on to the site.
Will play-money games be available?
Yes. Play money games will be available for players in New Jersey as well as for players outside the state.
Online regulations in New Jersey
Where can I see the law and regulations that cover online gambling in New Jersey?
The proposed regulations are available online at the NJ.gov website.
How many classes of licenses are available in New Jersey?
There are three classes of iGaming licenses in New Jersey:
- Casino Service Industry Enterprise License
- Ancillary Casino Service Industry Enterprise License
- Vendor Registrants
What is the definition of a Casino Service Industry Enterprise License?
The NJ.gov website defines a CSEI license as: Companies providing Internet gaming software or systems, vendors who manage, control, or administer games and associated wagers conducted through the Internet, and providers of customer lists of persons who have placed wagers through the Internet.
What is the definition of an Ancillary Casino Service Industry Enterprise License?
The NJ.gov website defines an ACSEI license as: Marketing affiliates, junket enterprises, junket representatives, and enterprises providing other services including, but not limited to, payment processing and related money-transmitting services, customer identity, age verification, and geo-location verification used in the conduct of Internet gaming, regardless of any such enterprise’s contractual relationship with an Internet gaming permit holder, shall be licensed as an ancillary casino service industry enterprise.
What is the definition of a Vendor Registrant?
The NJ.gov website defines a vendor as: Enterprises providing other services including, but not limited to, telecommunications that are not specifically designed for Internet gaming and patron interaction shall register as a vendor with the Division of Gaming Enforcement.
What license does an online gaming provider have to hold?
An online provider must possess a Casino Service Industry Enterprise (CSIE) License.
Who can apply for an online gambling license in New Jersey?
Any company or person can apply for an online gaming license in New Jersey. However, all applicants must undergo a rigorous vetting process and meet the suitability requirements set forth by the New Jersey DGE.
Can a company offer online gaming in New Jersey if they do not own a brick & mortar casino in New Jersey?
Yes. New Jersey law allows licensed companies to house their servers inside another brick & mortar casino that is also licensed.
Who will oversee online casinos in New Jersey?
Are online gaming providers required to run games fairly?
Yes. All games offered online must be approved by regulators and meet with the state’s requirements for licensed casino games. Additionally, the rules for all online games must be clearly posted.
Can I file a dispute if I feel I have been treated unfairly?
Yes. Players can contact the New Jersey Division of Gaming Enforcement if they feel they have been treated unfairly by an online casino.
What games will be available online in New Jersey?
Any casino game that is approved for use on a casino floor in New Jersey will be approved for online play –it will be up to the individual sites to decide what games they will offer. Among the games players will find at online gambling sites in New Jersey are:
- Slot Machines
- Video Poker
- Pai Gow Poker
- Three Card Poker
Can an online casino ban me from playing?
Yes. Just like at brick & mortar casinos, online casinos on New Jersey have the capability to ban players. Players who feel they have been unjustly banned can file a report with the New Jersey DGE. Additionally, if you are banned from one online casino you will be barred from playing at any online casino in New Jersey.
Can I self-exclude myself from participating in online gaming in New Jersey?
Yes. Any person can self-exclude themselves from participating in online games in New Jersey by visiting the NJ.gov website. Additionally, players can impose deposit limits on themselves that go above and beyond the limits imposed on the gaming sites.
Is there information available for problem gamblers?
Yes. Information on problem gambling and where to receive help for problem gambling can be found at the NJ.gov website.
If I am banned at a casino in New Jersey can I play online?
No. Any individual who is on the banned list in New Jersey, or has been convicted of a gambling crime will not be allowed to play online in New Jersey.
FAQ: NJ’s Regulated Online Casinos
Bet with your head, not over it. Call 1-800-GAMBLER if you have a gambling problem.
When did NJ start offering legal online gambling?
The state legalized the regulation of online casino and poker games in February 2013, and then launched the first games in October 2013.
Who can offer legal online gambling in NJ?
Licenses are limited to the land-based casinos in Atlantic City. These casinos are also allowed to work with technology and brand partners. For example, Borgata offers an online casino in partnership with the European company bwin.party – that’s how Party is able to offer a legal, consumer-facing online poker and casino brand in New Jersey.
Who regulates these sites?
Just like the land-based casinos in Atlantic City, the legal online gambling sites in NJ are overseen by the Division of Gaming Enforcement.
Is my money safe at these casinos?
All of the online casinos and poker sites that we list are subject to regulation and oversight from New Jersey authorities, and are required to take multiple steps in order to ensure the safety and security of player funds.
How did legal online poker come about?
April 30, 2013 marked a historic day for proponents of state regulated Internet gambling. For the first time in real-money online poker’s fifteen year history, residents of Nevada could deposit money onto an iGaming site without having to worry about payment holdups and the possible legal repercussions of their actions. Since, Delaware and New Jersey have readied iGaming operations of their own, with other states likely soon to follow.
What are the advantages of regulated online gambling sites?
Regulated iGaming sites offer several distinct advantages over their unregulated counterparts. One needn’t look further than the ongoing Full Tilt Poker fiasco to understand just how dangerous playing on an unregulated poker site can be. And while that hasn’t stopped dozens of post-Black Friday gambling sites from attracting players from the States, a significant portion of these players have ultimately ended up regretting their dubious decision.
With regulation comes enhanced player protection, which in turn leads to a more gratifying player experience. Listed below are several ways in which playing on a regulated site is advantageous to depositing funds onto an unlicensed US-facing skin.
Faster, more reliable payouts
Post-Black Friday online poker players care less about VIP structures, the quality of their opponents and deposit options than they do about speedy withdrawals. Compounding matters further are the hefty processing fees and limited retrieval options associated with withdrawals. And even if a player does receive a check in a timely fashion, there’s no guarantee that it won’t bounce.
That’s not to say offshore Internet gambling sites like Bovada don’t boast very good withdrawal times. It’s just that even the very best US-facing sites leave their patrons vulnerable.
Take former Revolution skin Lock Poker for example. In June 2012, the same month Lock purchased the Cake Poker network and re-branded it as Revolution Gaming, Lock was delivering checks in approximately 4-6 weeks and handling cash transfers in about two – nowhere near ideal, but not terrible considering the limited options available to US-based online poker players.
Since, payout times have ballooned to an average of three months or more. According to Two Plus Two forum user IHasTehNutz’s regularly updated spreadsheet, as of late-October 2013 over 160 Lock Poker players are owed a total of over $430,000, with the oldest outstanding payout requests dating back almost one year. Lock has recently left the Revolution network in favor of an independent poker platform.
Regulated iGaming laws provide assurance that payouts will be handled in a fast, reliable manner. In addition to laws requiring sites to provide estimated payment windows, New Jersey casinos are required to “maintain a New Jersey bank account separate from all other operating accounts to ensure the security of funds held in patron Internet gaming accounts,” effectively eliminating the risks associated with offshore banking.
More vigorous identification verification
Well-regulated gambling sites impose more comprehensive identity verification techniques than unlicensed ones. Some would even argue that virtual casinos presided over by state officials are better equipped to monitor scrupulous behavior than land-based brick and mortar casinos.
For example, in order to register for an online account in New Jersey, players must first provide the site with a variety of sensitive information including the last four digits of their SSN or taxpayer ID. The patron’s information identity is then verified in accordance with regulations set forth by the state.
In addition, New Jersey registrants are subject to “multi-factor authentication,” meaning that their identity will be verified across existing “third-party and governmental databases.” They’ll also be required to set up a PIN number and provide answers to challenge questions.
Only one account per player is allowed, and the individual in charge of the account must prove that they are at least 21 years of age. Player location is tracked via sophisticated geo-location verification, ensuring that the player is physically located within New Jersey’s boundaries before allowing them to partake in real-money gambling activities.
To the contrary, unregulated sites employ noticeably less rigid player verification practices. Although the information required to set up an account varies from site to site, overall, the identification verification process on an unregulated site is significantly less exhaustive and exact than its regulated counterpart.
Gamblers can be their own worst enemy. Without an option to curtail the amount of time and money spent playing online, an expensive hobby can quickly escalate into a crippling disease. Some unregulated sites are beginning to offer a self-exclusion option, but rarely do they allow players to set daily and weekly limits for themselves.
One of the biggest benefits of playing on an online gambling site is that the regulator can track and monitor a player’s gambling tendencies. But what good is data mining if the operator doesn’t use the information available to prevent players from becoming self-destructive?
New Jersey will place anyone that submits a self-exclusion request on a special self-exclusion list. Players are permitted to exclude themselves from Internet gambling, live casino gambling, or both. In addition, each site is responsible for offering players the option to set daily, weekly and monthly deposit limits. Time-based limits, offered on a daily basis, will be offered as well. Of course, if players are participating in a hand or a tournament, they will be permitted to finish.
Before awarding an applicant an online gaming license in New Jersey, the applicant must pass the Division of Gaming Enforcement’s strict suitability requirements. All too often, unregulated sites are run by unsavory figures or scrupulous companies. By enforcing minimum requirements for entry, New Jersey officials are able to successfully weed out any operator of questionable character.
Although New Jersey does not have a bad actor clause, many foreign operators have been discouraged by its stringent set of requirements. Others, like PokerStars, are having an exceedingly difficult time receiving a license.
While NJ’s suitability requirement may keep some of the biggest online poker and casino sites from ever setting up shop in the Garden State, they promote player protection – one of the primary reasons why the idea of state regulated gambling become so popular among gambling proponents in the first place.
Regulation has positive effects
According to a report published in June 2013 by Arjel, since France introduced regulated online gambling, the “proportion of problem gamblers in online gambling is down from 8.3% in 2010 to 6.6% in 2012.” Furthermore, the percentage of moderate-risk gamblers dipped from 14.4% to 10.4% over the same two year period.
If that doesn’t prove the merits of a regulated online gambling system, nothing will.
To read more about New Jersey’s iGaming laws, you can find the latest set of regulations here.