Payforit Casinos UK: How the Carrier-Backed Pay by Mobile Scheme Works, Limits & Best Sites (2025)

Chris Vaughan
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Payforit is a carrier-backed pay by mobile payment scheme in the UK that allows you to make online casino deposits using only your phone number. Instead of using a bank card or e-wallet, a Payforit casino deposit is added to your monthly phone bill (or deducted from your prepaid credit).

UK players can fund their online casino account quickly and securely without sharing financial details. In this in-depth guide, we explain how Payforit pay by phone casino deposits work, what limits and fees apply, which mobile networks support it, and highlight the top UK Payforit casino sites in 2025.

What is a Payforit Casino deposit?

Payforit is not a single company or app, but rather a collaboration between all major UK mobile network operators to enable standardized, secure carrier billing for online payments. It was established by networks like O2, EE, Vodafone, and Three as an industry-wide framework.

In simple terms, Payforit is the system working behind the scenes whenever you see a “Pay by Phone” or “Pay by Mobile” option at an online casino. Casinos may not always display the Payforit logo or name. If they offer pay by phone bill deposits, they are leveraging the Payforit scheme (often via providers like Boku or Fonix).

Mobile device showing pay by mobile deposit option

How Payforit Mobile Casino Deposits Work

Using Payforit to deposit at a casino is designed to be very quick and user-friendly. You don’t need to create any new account—just a mobile phone that can receive SMS. Here’s a step-by-step walkthrough of a typical Payforit casino deposit:

  1. Select Pay by Phone at the casino: Go to the casino’s cashier or deposit page and choose the “Pay by Mobile Phone Bill” option.
  2. Enter your mobile number: Input the phone number for your UK mobile. Make sure it’s correct, as a confirmation will be sent to this number.
  3. Confirm via SMS or PIN: After you request the deposit (e.g. £10), you’ll get a text message from a short code, or see a pop-up with a PIN code. You must confirm the transaction to proceed.
  4. Deposit instantly credited: Once you confirm via SMS or PIN, the deposit is processed immediately.
  5. Charge added to your phone bill: The deposited amount is then charged to your mobile account. If you’re on a monthly contract, it will appear on your next phone bill under a section for third-party or premium services. If you use Pay-As-You-Go, the amount is deducted from your existing airtime credit instantly.

This whole process usually takes only a minute or two.

Payforit Casino Deposit Limits & Fees

Deposit Limits

Payforit casino deposits  come with relatively low caps. These limits are in place for consumer protection and are actually part of the industry rules. Currently, the typical maximum you can deposit via Payforit is around £30–£40 per day, with a monthly limit of roughly £240 total.

Fees and Costs

Using Payforit is generally free from the player’s perspective. Neither the Payforit scheme nor your mobile network will charge you a separate fee for depositing by phone. If you authorize a £10 deposit, £10 is the amount that gets billed. However, it’s important to check the specific online casino’s policy: some casinos pass on a portion of the transaction cost to the player.

Supported Networks and Compatibility

All major UK mobile networks support Payforit casino deposits. Whether you’re on EE, O2, Vodafone, or Three, you can use your phone to deposit at participating casinos. The primary requirement is that your mobile account is enabled for premium billing (sometimes called “Charge to Bill” services).

Both pay-monthly (contract) and pay-as-you-go customers can make Payforit deposits. If you’re on a PAYG plan, you must have sufficient credit balance available to cover the deposit amount.

Payforit Casino vs Boku vs Fonix: Comparison

Payforit is the overarching carrier billing scheme in the UK. If you make a Payforit casino deposit by phone, you might interact with a Boku interface or a Fonix system, but all are utilizing the same carrier network billing framework (Payforit) at the core.

Here’s a quick comparison of Payforit, Boku, and Fonix in the context of UK casino deposits:

Service Type Supported Networks Deposit Limits Confirmation Method
Payforit Carrier scheme (industry standard) All major UK networks (EE, O2, Vodafone, Three) + most MVNOs £40 per day (≈£240/month) SMS confirmation (reply “Y” or enter one-time PIN via web)
Boku Third-party provider EE, O2, Vodafone, Three (and sub-networks) £30 per day (often ~£100/month cap) SMS confirmation (typically text reply “Y” or code entry)
Fonix Third-party provider EE, O2, Vodafone, Three, plus others (e.g. BT, Virgin) £40 per day (≈£240/month) SMS or in-browser PIN (no separate app needed)

Safety and Regulation

Using Payforit for casino deposits is safe and regulated. The Phone-paid Services Authority (PSA) oversaw the use of carrier billing in the UK. Since 2025 Ofcom is now responsible for overseeing carrier billing practices in the UK.

PayforIt logo

UK casino offering Payforit deposits must be licensed by the UKGC. Payforit deposits also count toward your overall casino deposit limits and responsible gambling controls just like any other payment method. Operators have to include them in any self-exclusion or deposit limit schemes you set up on your account.

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Many online casinos in the UK support Payforit/Boku deposits, but a few stand out if you’re specifically looking for the smoothest phone bill depositing experience. Below is a short list of top UK Payforit casinos as of 2025. You can also read our full review of the top Pay by Mobile casino bonuses.

Online casino features are constantly changing. For example, a new bonus may be better or worse. Based on this, the positions on our casino list change to reflect any significant improvements and failings at each casino. Also, when our users sign up and deposit at a casino on our list, we see that as very positive and boost that casino's rating accordingly.

All the casinos above are licensed for UK players and allow you to deposit via your phone bill. Remember that while depositing by mobile is extremely convenient, you should always gamble responsibly within your limits. If £30 or £40 a day sounds low, keep in mind that these restrictions are in place to help manage spending. You can always use another payment method for larger amounts once you’ve maxed out your phone deposit limit for the period.

Payforit Casino Deposits FAQs

Payforit is a UK carrier billing scheme operated collectively by the major mobile networks (EE, Vodafone, O2, Three) in partnership with the Phone-paid Services Authority. It’s not a standalone payment app, but rather the underlying system that lets you charge purchases to your phone bill.

To use Payforit at a casino, go to the deposit/cashier page and select the pay by phone or mobile option. Enter the amount you want to deposit and your mobile number.

No. One of the advantages of Payforit is that you don’t need to create a new account or install an app to use it. As long as you have an active UK mobile phone number, you can make Payforit payments. The charges are handled by your mobile operator and the casino’s payment provider behind the scenes. There’s no separate login or account for Payforit – your phone number is essentially your ID for the transaction.

Payforit itself does not charge you a fee. If you deposit £10 by phone, £10 is added to your bill or taken from your pay-as-you-go credit. However, some online casinos might impose a small fee or commission on phone bill deposits (for example, keeping 10–15% of the amount to cover their costs).

The general limits for Payforit deposits are around £30 to £40 per day, with a monthly maximum of about £240. These limits are set by UK carrier billing regulations and apply no matter which casino you use. In practice, some casinos or providers might cap you at £30 per day, while others allow up to £40, but none can exceed the £240 per month total. You also must meet the casino’s minimum deposit requirement (commonly £5 or £10) for each Payforit transaction.

No, withdrawals cannot go back to your phone bill or SIM card balance. Payforit is a one-way deposit method only.

All four major UK networks (EE, O2, Vodafone, and Three) support Payforit deposits. If you’re on one of those, you’re good to go. Additionally, many smaller providers (like Giffgaff, Tesco Mobile, Virgin Mobile, Sky Mobile, Smarty, etc.) support it because they use the infrastructure of the big networks.

Yes, Payforit is safe and legal for UK casino payments. It’s backed by regulated mobile operators and overseen by the Phone-paid Services Authority to protect consumers.

In most cases, yes – deposits via Payforit or pay by phone are treated like any other deposit, so they should qualify for bonuses like welcome offers or free spins, provided you meet the minimum deposit amount.

If your pay by phone deposit isn’t working, there are a few things to check. First, ensure you entered the correct mobile number and responded to the confirmation SMS or code prompt. If you missed the text or didn’t confirm in time, the transaction will not complete (you can simply try again). A

Chris Vaughan
Chris Vaughan Senior Writer & Editor
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Chris Vaughan is a Senior Writer and Editor at GamblingAuthority. He has more than 18 years of experience in the iGaming industry and has great knowledge of game developers, trending games and casino research.

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Last Updated: 9 May 2025