MuchBetter Casino: How to Deposit and Withdraw in 2026
MuchBetter has carved out a quiet but steady corner in the UK payment market since its 2017 launch. While Visa and PayPal dominate the mainstream, this e-wallet keeps appearing at checkout pages across the iGaming landscape, and for good reason. It processes transactions in under 2 seconds, charges nothing for deposits at most operators, and offers a payment badge that many licensed casinos actively promote.
The service emerged from the same team behind the old EcoPayz, which gives it a decade of payment experience to lean on. By 2026, MuchBetter operates in 186 countries, supports 34 fiat currencies, and holds an e-money licence from the Financial Conduct Authority (FRM number 900899). That last detail matters more than most players realise, because it places the wallet under the same regulatory umbrella as UK-licensed gambling operators.
What separates MuchBetter from its rivals is the wearable payment ring and the dynamic security code that changes every 30 seconds. Those features sound like marketing fluff until you have had a card skimmed or watched someone try to brute-force your password. The app itself has attracted over 3.2 million downloads on Google Play alone, and the wallet claims 1.4 million active users across its global footprint.
Why UK Players Keep Choosing MuchBetter
The UK gambling market has been tightening its belt since the Gambling Act review began in 2020. The 2023 White Paper brought in stake limits of £5 per spin for online slots for players aged 18 to 24, and the Gambling Commission has been pushing affordability checks behind the scenes. In this climate, payment methods that offer speed, traceability, and consumer protection have gained ground.
MuchBetter fits that brief. Deposits land instantly at over 120 UK-licensed casino sites, and withdrawals typically process within 24 hours once the casino releases the funds. The wallet charges a flat 1.75% fee for currency conversion, which beats most high-street banks that add 2.99% to 4.5% on top of the exchange rate spread. For pound sterling transactions, there is no conversion fee at all.
The payment method also sidesteps a practical headache: gambling transactions on credit cards have been banned in the UK since 14 April 2020. MuchBetter links to your debit card or bank account, so you can fund your gambling without tripping over that restriction. The app supports bank transfers, Apple Pay, Google Pay, and standard debit cards as funding sources.
What Fees Does MuchBetter Charge in 2026?
MuchBetter operates on a freemium model. Opening the wallet costs nothing, depositing money into it via bank transfer is free, and paying a UK casino incurs a 0% fee. The revenue comes from optional services. A physical MuchBetter card, if you order one, costs £5.99 for delivery, and ATM withdrawals outside the UK carry a 2.5% fee with a minimum charge of £1.50.
Currency conversion applies when you fund the wallet in a currency different from the one you spend. The 1.75% fee sits below the industry average of 2.5% to 3%, which is why frequent travellers and cross-border gamblers often keep a balance in multiple currencies. Inactivity fees start after 12 months without a transaction, at £2.50 per month, capped at £30 total.
Casino deposits through MuchBetter are free across the board in the UK. That includes operators like 888 Casino, Betway, and Grosvenor Casinos, none of which pass on the wallet’s processing costs. Some offshore sites, particularly those holding Curaçao licences, may add a 2% to 5% surcharge, but that charge comes from the casino itself, not from MuchBetter.
How MuchBetter Compares to PayPal and Skrill for Casino Play
PayPal remains the default choice for many UK players, but it has quirks. Deposits are free, withdrawals are free, but not every casino offers PayPal cashouts, and PayPal’s gambling policy restricts transactions to licensed operators only. Skrill, owned by Paysafe, charges 1.45% for currency conversion and has a £5.50 monthly inactivity fee after 12 months.
| Feature | MuchBetter | PayPal | Skrill |
|---|---|---|---|
| Deposit fee at UK casinos | 0% | 0% | 0% |
| Withdrawal fee at UK casinos | 0% | 0% | 0% |
| Currency conversion fee | 1.75% | 3.5% to 4% | 1.45% |
| Inactivity fee | £2.50/month after 12 months | None | £5.50/month after 12 months |
| Dynamic security code | Yes, changes every 30 seconds | No | No |
| FCA e-money licence | Yes | Yes (Luxembourg) | Yes (UK via Paysafe) |
The table above shows why MuchBetter has carved out a niche. It undercuts PayPal on conversion fees and beats Skrill on inactivity charges. The trade-off is brand recognition: PayPal processes over 25 million transactions daily worldwide, while MuchBetter handles a fraction of that volume. For casino play specifically, the dynamic security code adds a layer that neither PayPal nor Skrill offers.
The Historical Shift in UK Gambling Payments
Understanding where MuchBetter stands today requires a quick look back. The UK gambling payment landscape changed irreversibly when the Gambling (Licensing and Advertising) Act 2014 took effect on 1 October 2014. That law forced all operators targeting UK players to hold a Gambling Commission licence, which in turn pushed payment processors to apply stricter due diligence.
Before that Act, UK players could fund offshore casinos with credit cards and anonymous e-wallets like Neteller with minimal friction. The 2014 shift brought those transactions under UK jurisdiction. Then came the credit card ban in April 2020, which cut off a funding source that accounted for roughly 18% of online gambling deposits at the time, according to industry estimates from the Gambling Commission’s 2019 data.
MuchBetter launched in 2017, right in the middle of this regulatory tightening. The founders, led by former EcoPayz director Jens Bader, designed the wallet specifically to meet the stricter compliance demands of the post-2014 market. Every transaction is traceable, the app requires identity verification, and the dynamic security code was built to satisfy the Payment Services Directive 2 (PSD2) strong customer authentication rules that arrived in 2021.
What Changed After the 2020 Credit Card Ban?
The credit card prohibition on 14 April 2020 reshaped deposit behaviour overnight. Players who had relied on credit cards had to find alternatives, and e-wallets absorbed much of that demand. Skrill reported a 12% increase in UK gambling deposits in the second quarter of 2020, and MuchBetter saw similar growth, though the company does not publish regional breakdowns.
Debit card transactions became the primary funding route for most UK players. But debit cards carry their own friction: banks can decline gambling transactions, some impose daily limits, and the transaction appears on your statement with the casino’s name. E-wallets like MuchBetter act as a buffer, keeping gambling transactions separate from everyday spending and offering an extra layer of privacy.
The Gambling Commission’s 2024 review further tightened the screws by requiring operators to conduct enhanced affordability checks on players who lose more than £1,000 within 24 hours or £2,000 within 90 days. E-wallet transactions make those checks easier to trace, which is why some operators now quietly prefer players who use them. The traceability cuts both ways, but for the average player, it means faster verification and fewer declined transactions.
How Did MuchBetter Position Itself Against Neteller’s Decline?
Neteller, once the undisputed king of gambling e-wallets, has seen its UK relevance fade. Paysafe, which owns both Neteller and Skrill, has shifted focus toward Skrill as its primary gambling brand. Neteller’s withdrawal fees at UK casinos now range from 1.5% to 3.5%, depending on the operator, and its currency conversion fee sits at 3.99%, one of the highest in the market.
MuchBetter exploited that gap. By offering 0% fees on UK casino transactions and a 1.75% conversion rate, it positioned itself as the cost-effective alternative. The strategy worked: by 2023, MuchBetter was accepted at over 90% of UK-licensed online casinos that offer e-wallet payments, a figure the company confirmed in its partner documentation.
The other differentiator is speed. Neteller withdrawals from casinos typically take 24 to 48 hours to reflect. MuchBetter processes incoming payments in near real-time, with most casino withdrawals appearing in the wallet within 10 to 30 minutes of the casino releasing them. The faster settlement time matters for players who move money between operators to chase bonuses.
Step-by-Step: Funding Your Casino Account with MuchBetter
Let’s walk through the process from a player’s perspective. Sarah, a hypothetical regular at William Hill and Ladbrokes, decides to try MuchBetter after her bank declines a debit card transaction at 11pm on a Saturday. She downloads the app from the App Store, which takes about 45 seconds on a standard 4G connection.
Registration requires her name, email, date of birth, and a mobile number. The app sends a 6-digit verification code via SMS, and within 2 minutes she has a functional wallet. To unlock deposits above £500 per transaction, she needs to complete identity verification by uploading a passport or driving licence and a proof of address. That process takes the compliance team up to 24 hours, though most verifications complete within 4 hours.
Sarah funds the wallet with £200 from her Barclays debit card. The transfer is instant, free, and appears in her MuchBetter balance immediately. She then opens William Hill, navigates to the cashier, selects MuchBetter as her deposit method, and enters her registered mobile number. The app pings with a notification asking her to approve the £50 deposit. She taps confirm, and the funds hit her casino balance in under 3 seconds.
What Verification Documents Does MuchBetter Require?
MuchBetter follows standard anti-money laundering (AML) procedures. For basic account functionality, you need a verified email and mobile number. To deposit more than £500 in a single transaction or hold a balance above £1,000, you must verify your identity with a government-issued ID and a recent utility bill or bank statement dated within the last 3 months.
The verification process is fully digital. You photograph your documents through the app, and the system uses optical character recognition to extract the relevant details. Most verifications complete within 2 to 4 hours, though peak periods around major sporting events can stretch that to 24 hours. The company does not accept expired documents or screenshots of digital statements for proof of address.
Source of funds checks kick in for deposits above £2,000 in a rolling 30-day period. MuchBetter may ask for bank statements showing the origin of the money, payslips, or tax documents. This aligns with the Gambling Commission’s licence conditions, which require payment processors to cooperate with operators on affordability assessments. It is a minor inconvenience that keeps the ecosystem clean.
How Long Do Casino Withdrawals Take with MuchBetter?
The withdrawal timeline splits into two parts: the casino’s processing time and MuchBetter’s settlement time. UK-licensed casinos typically process withdrawal requests within 24 to 48 hours, though some operators advertise faster. 888 Casino states a 24-hour processing window, while Betway processes most withdrawals within 12 hours during business days.
Once the casino releases the funds, MuchBetter credits your wallet almost instantly. In practice, this means a withdrawal request submitted on Monday morning usually lands in your MuchBetter balance by Tuesday afternoon. Compare that to bank transfers, which take 1 to 3 working days, or PayPal, which can hold funds for up to 24 hours for review on large transactions.
The fastest operators for MuchBetter withdrawals are typically the ones with in-house payment teams rather than outsourced processors. Grosvenor Casinos and Betfred both process MuchBetter withdrawals within 2 hours during their operating windows, according to player reports on UK gambling forums. The slowest are often the larger multi-brand operators that batch withdrawals twice daily.
Top UK Casinos That Accept MuchBetter in 2026
Not all casinos treat MuchBetter equally. Some offer dedicated MuchBetter bonuses, while others simply list it as a payment option without any promotional support. The distinction matters because a deposit bonus tied to MuchBetter can add 50% to 100% to your bankroll, while a generic bonus typically covers all payment methods.
The UK market has consolidated around a handful of major operators, but the payment landscape remains fragmented. Below is a breakdown of the most prominent UK-licensed casinos that accept MuchBetter, based on payment page data, bonus terms, and player feedback from 2025 and early 2026. Each operator holds a Gambling Commission licence unless otherwise noted.
| Casino | MuchBetter Deposit Fee | Withdrawal Time | Welcome Offer (2026) | Licence |
|---|---|---|---|---|
| 888 Casino | 0% | 24 hours | 100% up to £100 + 50 spins | UK (Gibraltar) |
| William Hill | 0% | 24 hours | 100% up to £50 | UK |
| Ladbrokes | 0% | 24 hours | 50% up to £50 | UK |
| Betway | 0% | 12 hours | 100% up to £50 | UK (Malta) |
| Grosvenor Casinos | 0% | 2 hours | 100% up to £50 | UK |
| Betfred | 0% | 2 hours | 100% up to £50 | UK |
| MrQ | 0% | Instant | 100% up to £50 (no wagering) | UK |
| PlayOJO | 0% | 24 hours | 50 free spins (no wagering) | UK (Malta) |
MrQ deserves a special mention because it processes MuchBetter withdrawals instantly, which is rare in the industry. The casino operates on a no-wagering model, meaning bonus funds are not locked behind 30x or 40x playthrough requirements. That combination makes MrQ one of the most efficient MuchBetter casinos for players who value speed over bonus size.
PlayOJO takes the opposite approach: no deposit bonus, but 50 free spins on registration and a “no wagering” policy on all winnings from those spins. The casino has built a loyal following among players who are tired of complex bonus terms. MuchBetter deposits at PlayOJO are free, and withdrawals to the wallet process within 24 hours.
Which MuchBetter Casinos Offer Exclusive Bonuses?
Exclusive MuchBetter bonuses are rarer than they were in 2021. The Gambling Commission’s 2023 rules on bonus transparency pushed many operators to simplify their offers, and payment-method-specific promotions became less common. Still, a handful of operators maintain MuchBetter-specific perks.
Betway occasionally runs promotions giving extra free spins when you deposit via MuchBetter during major football tournaments. William Hill has offered enhanced odds on selected events for MuchBetter users, though these promotions are time-limited and targeted. Grosvenor Casinos has a standing policy of matching MuchBetter deposits with loyalty points at double the usual rate.
For the most part, though, the bonus landscape has flattened. The value of using MuchBetter today lies not in promotional extras but in the 0% fees, the speed of withdrawals, and the security features. Players who chase payment-method bonuses often find that the wagering requirements eat any perceived advantage, particularly at operators with 40x playthrough terms.
Are There Any UK Casinos That Do Not Accept MuchBetter?
Yes, and the list is informative. bet365, the largest online gambling operator in the UK, does not offer MuchBetter as a deposit or withdrawal method. The company has historically relied on its own payment infrastructure and a narrow set of options: debit cards, PayPal, Skrill, Neteller, and bank transfer. MuchBetter has not broken into that walled garden.
Sky Bet and Sky Vegas, both owned by Flutter Entertainment, also exclude MuchBetter. Flutter brands tend to standardise their payment stacks across the group, and MuchBetter is not part of that stack. Paddy Power and Betfair, also Flutter brands, follow the same pattern. If you are a Flutter ecosystem player, MuchBetter will not be an option.
The absence of MuchBetter at these operators is not a reflection of the wallet’s quality. It is a commercial decision driven by integration costs and existing partnerships. For players who split their action between bet365 and William Hill, the practical workaround is to keep a MuchBetter balance for William Hill and use PayPal or debit cards at bet365.
MuchBetter and Responsible Gambling Tools
Payment methods are not typically discussed in the context of responsible gambling, but MuchBetter has built features that support healthier play. The app allows you to set daily, weekly, and monthly deposit limits that apply across all casinos using the wallet. These limits are hard caps: once reached, further deposits are declined until the period resets.
The wallet also offers a “cooling off” feature that blocks gambling transactions entirely for a chosen period, from 24 hours up to 6 weeks. This sits alongside the self-exclusion tools offered by individual casinos, but with a crucial difference: MuchBetter’s block applies across every operator, not just one. For players who struggle with impulse control, that cross-operator coverage is genuinely useful.
Transaction history is another quiet benefit. MuchBetter logs every payment with the merchant name, amount, and timestamp. That record gives players a clear picture of their gambling spend without needing to compile statements from multiple casinos. The Gambling Commission has encouraged players to monitor their spending, and this feature makes the task considerably easier.
What Are the Legal Requirements for Using MuchBetter at UK Casinos?
The legal gambling age in the United Kingdom is 18. Every UK-licensed casino must verify your age before allowing you to deposit, and MuchBetter enforces the same threshold at the wallet level. You cannot open a MuchBetter account if you are under 18, and the app requires date-of-birth confirmation during registration.
UK gambling is regulated by the Gambling Commission under the Gambling Act 2005, as amended by the 2014 legislation. The Commission issues operating licences to casinos, and all operators listed in this article hold valid licences. MuchBetter itself is regulated by the Financial Conduct Authority as an e-money institution, which means your funds are safeguarded in a segregated account and are not used for the company’s operational expenses.
If you need help with gambling-related harm, the National Gambling Helpline operates 24/7 at 0808 8020 133. Calls are free from UK landlines and mobiles, and the service is confidential. You can also self-exclude from all UK-licensed gambling sites through GAMSTOP, the free national self-exclusion scheme, at gamstop.co.uk. Registration takes about 5 minutes and lasts for 6 months, 1 year, or 5 years.
MuchBetter’s own responsible gambling features complement these national tools. The deposit limits, cooling-off periods, and transaction history work alongside GAMSTOP rather than replacing it. For the most robust protection, use both layers: set wallet-level limits in MuchBetter and register for GAMSTOP if you feel your gambling is getting out of control.
Security and Fraud Protection on MuchBetter
Security is where MuchBetter differentiates itself most clearly from the competition. The app uses a dynamic security code that regenerates every 30 seconds, similar to the system used by bank-issued authenticator devices. This code is required for every transaction, which means a stolen password alone is insufficient to access your funds.
The app also supports biometric authentication via fingerprint or facial recognition on compatible devices. Transaction notifications arrive as push alerts with a 30-second approval window. If you do not approve within that window, the transaction is automatically declined, which gives you time to spot fraudulent activity before it completes.
MuchBetter holds an FCA e-money licence, which requires the company to keep customer funds in a segregated safeguarding account. In the event of insolvency, these funds are protected and returned to customers ahead of other creditors. This is a meaningful difference from some offshore payment processors that hold funds in operational accounts.
What Happens If MuchBetter Goes Bankrupt?
The safeguarding rules under the Electronic Money Regulations 2011 require MuchBetter to hold customer funds in a separate bank account that is not used for the company’s own purposes. If MuchBetter were to become insolvent, those safeguarded funds would be returned to customers through the insolvency process, typically within 30 to 90 days.
This protection does not cover funds that have already been transferred to a casino. Once you deposit £50 into your William Hill account, that money is held by William Hill, not by MuchBetter. If the casino goes bankrupt, your balance is subject to the casino’s own insolvency proceedings, which in the UK are overseen by the Gambling Commission’s licence conditions.
In practice, the risk is low. The UK gambling market has seen few operator insolvencies since 2014, and the Gambling Commission requires operators to maintain player funds in separate accounts. The bigger risk for players is not insolvency but fraud, and MuchBetter’s dynamic security code and biometric authentication address that threat directly.
Deposit Limits and Transaction Caps
MuchBetter applies its own transaction limits alongside whatever limits your chosen casino imposes. A new, unverified account can deposit up to £500 per transaction and hold a maximum balance of £1,000. Once you complete identity verification, the daily deposit limit rises to £5,000, and the maximum wallet balance increases to £10,000.
For high rollers, MuchBetter offers a “VIP” tier with custom limits. The VIP tier requires a minimum monthly deposit volume of £10,000 or a sustained balance above £5,000 for 3 consecutive months. VIP members get access to a dedicated account manager and can request higher transaction caps on a case-by-case basis, though the FCA’s AML rules still apply.
Withdrawal limits from MuchBetter to your bank account sit at £10,000 per transaction for verified accounts. Withdrawals to a linked debit card are capped at £2,000 per transaction. Instant withdrawals to a bank account are available for a fee of 1.5% (minimum £1.50), while standard bank transfers take 1 to 2 working days and cost nothing.
How to Increase Your MuchBetter Limits
Raising your limits is straightforward but requires patience. Complete identity verification first, which lifts the base caps to £5,000 daily deposits and £10,000 wallet balance. If you need higher limits, contact MuchBetter’s support team through the in-app chat and request a manual review of your account history.
The review process considers your transaction volume, the age of your account, and your verification status. Accounts that have been active for more than 6 months with consistent deposit and withdrawal activity are typically approved for higher caps within 48 hours. New accounts are almost always denied, so there is no point requesting a limit increase in your first week.
It is worth noting that casino-level limits often bind before MuchBetter’s own caps do. A casino may impose a £2,000 daily deposit limit even if MuchBetter allows £5,000. Check the casino’s cashier page for its specific payment limits, as these vary significantly between operators and are not always displayed prominently.
Common MuchBetter Casino Problems and Fixes
No payment method is flawless, and MuchBetter has its share of user complaints. The most common issue reported on UK gambling forums is failed deposits, which usually stem from insufficient balance or an expired dynamic security code. The fix is simple: check your balance and generate a fresh code before retrying the transaction.
The second most frequent complaint involves withdrawal delays. Players sometimes confuse the casino’s processing time with MuchBetter’s settlement time. If your withdrawal has not appeared after 48 hours, contact the casino first, not MuchBetter. The casino is the one holding the funds until it releases them to the wallet.
Third on the list is account verification delays. MuchBetter’s compliance team processes most verifications within 4 hours, but accounts flagged for manual review can take up to 72 hours. If your verification exceeds that window, contact support via the in-app chat, which typically responds within 15 minutes during UK business hours.
Why Did My MuchBetter Deposit Fail at a UK Casino?
Deposit failures at UK casinos usually trace back to one of four causes. The first is an insufficient MuchBetter balance, which sounds obvious but happens more often than you would think when players forget about pending transactions. The second is an expired dynamic security code, which the app generates every 30 seconds.
The third cause is a casino-side restriction. Some operators block MuchBetter deposits if your account is flagged for a bonus abuse review or if you have an outstanding withdrawal pending. The fourth cause is MuchBetter’s own fraud detection, which may decline a transaction that deviates from your usual spending pattern, such as a first-time deposit at a new casino.
If you cannot identify the cause, contact MuchBetter support first. The support team can see whether the transaction reached MuchBetter and whether it was declined by the wallet or by the casino. That diagnostic information narrows down the problem and usually resolves the issue within a single support interaction.
MuchBetter Alternatives for UK Casino Players
MuchBetter is not the only e-wallet serving the UK gambling market, and it is not always the right choice. The alternatives each have strengths that suit different player profiles. PayPal remains the most widely accepted, with coverage at over 85% of UK-licensed casinos, but its currency conversion fees make it expensive for non-sterling play.
Skrill is the closest competitor to MuchBetter in terms of gambling focus. It offers 0% deposit fees at most UK casinos and has a loyalty programme that rebates fees for high-volume players. The downside is the 1.45% currency conversion fee and the £5.50 monthly inactivity charge, which hits casual players who leave balances dormant.
Paysafecard, also owned by Paysafe, offers prepaid vouchers that are popular for deposit-only players. You can buy vouchers at over 50,000 UK retail outlets, including newsagents and supermarkets, and use them without linking a bank account. The catch is that paysafecard does not support withdrawals, so you need another method to cash out.
Should You Use MuchBetter or Trustly for Casino Payments?
Trustly operates on a different model entirely. It connects directly to your bank account and initiates payments through online banking, without requiring a separate wallet balance. Trustly deposits are instant and free, and withdrawals follow the same path, landing in your bank account within minutes of the casino releasing them.
The key difference is speed of withdrawal. Trustly withdrawals go straight to your bank, while MuchBetter withdrawals require an additional step: moving funds from the MuchBetter wallet to your bank account. That extra step adds 1 to 2 working days for standard bank transfers, though instant withdrawals are available for a 1.5% fee.
MuchBetter’s advantage lies in its multi-currency support and the ability to keep gambling funds separate from your main bank balance. Trustly offers no such separation; transactions appear directly on your bank statement with the casino’s name. For players who prefer privacy or who play across multiple currencies, MuchBetter wins. For pure speed and simplicity, Trustly is the better option.
Final Thoughts on MuchBetter Casinos
MuchBetter has earned its place in the UK payment ecosystem through a combination of low fees, fast settlement, and robust security. The 0% deposit and withdrawal fees at UK-licensed casinos undercut most competitors, and the 1.75% currency conversion rate is among the best in the e-wallet space. The FCA e-money licence provides a regulatory backstop that offshore processors cannot match.
The historical context matters here. MuchBetter launched in 2017, just as the UK market was absorbing the 2014 Gambling Act changes, and it matured alongside the 2020 credit card ban and the PSD2 authentication requirements. Each regulatory milestone pushed the wallet closer to the mainstream, and by 2026 it has become a standard payment option at over 120 UK-licensed operators.
That said, MuchBetter is not for everyone. bet365 players cannot use it, Flutter brands like Sky Bet and Paddy Power do not accept it, and the extra step of moving funds from the wallet to your bank adds friction for some users. The verification requirements, while standard, can feel intrusive for casual players who want to deposit £20 and play a few spins.
For the target audience of regular, multi-operator players, MuchBetter remains a pragmatic choice. The fee savings compound over time: a player depositing £500 per month across three casinos saves roughly £180 per year in withdrawal fees compared to using Neteller, and avoids the currency conversion penalties that PayPal applies to non-sterling transactions.
The responsible gambling tools are a genuine differentiator. Cross-operator deposit limits and cooling-off periods are features that neither PayPal nor Skrill offers at the wallet level, and they align well with the Gambling Commission’s push toward safer gambling practices. The 24/7 National Gambling Helpline at 0808 8020 133 remains available for anyone who needs support, and GAMSTOP self-exclusion is free and effective.
MuchBetter is a payment method that rewards those who understand its mechanics. The dynamic security code, the multi-currency wallet, and the cross-operator limits are features that become more valuable the more you use them. In a market that has consolidated around a handful of dominant operators, MuchBetter offers a degree of flexibility and control that the bigger payment brands do not match.