Sweepstakes and Social Casino Payments as a Second Rail

Approved operators can add customer-initiated payment-app checkout without creating another merchant-account balance.

Restricted categories require prior written approval from Peer. Production access is subject to merchant, product, and jurisdiction review.

A single MID can become a revenue switch

Sweepstakes and social casino operators face fast-moving state rules, acquiring review, category coding, and the risk that one merchant account interruption stops coin sales everywhere.

Peer Pay is best used as a diversified rail. The player approves the purchase, proof verifies it, and USDC settles to the operator wallet.

What changes with Peer Pay

Peer Pay is checkout software, not a payment processor or merchant account. The player starts a payment from a supported app, a cryptographic proof verifies the transfer, and USDC settles to a self-custodial wallet controlled by the operator. Peer does not hold the merchant's funds, so this flow has no processor balance, rolling reserve, or payout schedule.

That different settlement path does not change the underlying sale. The merchant still owns product eligibility, licensing, customer checks, fulfillment, refunds, taxes, disclosures, and every rule that applies in the places it serves.

How the payment works

Create the order. Use a hosted payment link, ecommerce integration, embedded checkout, or Scan to Pay at the counter.
The player chooses a supported app. They review the recipient and amount, then approve the payment on their own device.
Wait for proof. Peer verifies the transfer before the order is marked paid. A screenshot is not payment confirmation.
Reconcile settlement. USDC reaches the wallet controlled by the operator, and the dashboard keeps the payment tied to the order.

When the fit is strongest

You want a second payment rail that does not create a processor-held balance.
Your customers already use supported payment apps and can approve each purchase themselves.
You can receive USDC in a self-custodial wallet and reconcile it into your own operations.
Your geolocation blocks every prohibited jurisdiction and your model has received appropriate legal review.

Before you launch

Peer Pay does not change whether the underlying game, promotion, prize, or sale is lawful.
Maintain licensing, registration, age, geolocation, alternative-method-of-entry, prize, and advertising controls.
Gaming and sweepstakes are restricted and require prior written approval; prohibited jurisdictions must be blocked.

FAQ

Does Peer Pay change the operator's legal position?

No. Payment technology does not change the legal classification of a game or promotion. The operator must serve only lawful jurisdictions under an approved model.

Should Peer Pay replace a working bank-debit rail?

Not necessarily. A lower-cost rail can remain primary while Peer Pay provides continuity and another customer payment option.