Variable Recurring Payments: A New Tool for VIP Deposits

The Rosloto company presents a universal solution for VIP online casino visitors. VRP guarantees instant and fully controlled deposits within pre-set limits.

About Variable Recurring Payments in Gambling

The concept can be described as the next stage in the evolution of open banking.

Users can pre-authorise their future operations within online casinos, taking into account the already set restrictions and without having to manually confirm each transfer.

Unlike classic autopayments or subscriptions, where only a fixed amount is debited, the VRP tool allows you to change the parameters of transactions. A key requirement is that limits must not exceed the previously agreed framework and betting ranges.

This approach is gaining popularity rapidly in the gambling industry, particularly among VIP players. For these customers, speed, convenience, and guaranteed payouts are coming to the fore. The Variable Recurring Payments mechanism fully meets these requirements.

Let us look at how technology works.

Authorisation (Mandate) Through the Bank

At the initial stage, users go from the casino app to the interface of their financial institution, where they:

• prove their identity;
• review the parameters of the mandate being created;
• confirm automatic debits within the specified limits;
• agree to provide operators with restricted access to payments.

In the context of VRP, an authorisation is an agreement between the player, the bank (merchant account), and the casino platform. This document, which has an expiration date, is legally binding.

Configuration of Limits

Users determine how much they are ready to spend on entertainment portals.

Key payment parameters include:

• max amount per transaction — the highest possible sum for one deposit;
• max daily/weekly amount — money that gamblers spend within 24 hours or 7 days;
• max frequency — the number of transactions for the selected period.

Providers cannot independently change these limits. Any increase or reduction requires a return to the bank for re-authorisation.

Payments Processed by Operators

When clients click the button to replenish their accounts, the transaction is carried out automatically and without:

• SMS confirmation;
• 3D Secure verification;
• manual approvals or interventions.

The bank confirms that the operation falls within the mandate’s framework, after which the funds are instantly credited to the online casino’s account. If the amount exceeds the limit, the merchant is denied.

Transparency and Reversibility

Players can perform the following actions at any time:

• block the mandate in the bank;
• pause the gambling app;
• сhange VRP parameters;
• view the charge-off history.

A wide range of settings and the reversibility of transactions make VRP one of the most secure instruments in the industry, on a par with bank and classic A2A transfers.

Regulatory Requirements for VRP Implementation

Variable Recurring Payments are interpreted differently depending on the jurisdictions, but in all countries, a common logic can be observed:

• players must understand what they grant permission for;
• entrepreneurs must not have the technical ability to abuse this consent;
• the bank must monitor the transparency and security of transactions.

Let us look at the universal rules for connecting VRP tools, which are applicable in most regions with developed gambling.

Informed Consent

Online casino visitors must:

• see all limits (transaction, daily, weekly, and other metrics);
• understand the mechanism for stopping VRP operations;
• be able to approve the mandate only in their banking app;
• receive clear explanations from the financial institution and project owners.

A fully informed consent protects customers from abuse and entrepreneurs from complaints and lawsuits.

The rules for implementing the principle may vary depending on the jurisdiction. For example, Scandinavian regulators (Spelinspektionen, Spillemyndigheden, Lotteritilsynet) are the strictest in this matter.

Gambling commissions require:

• a separate page for recurring banking operations;
• detailed explanations of how VRP technology works;
• strict limits.

In Sweden, Variable Recurring Payments cannot be forced during onboarding. Their activation must be completely voluntary and informed.

No-Dark-Charges: a Complete Ban on Hidden Write-Offs

In the context of the entertainment industry, this means:

• transparent notifications about every transfer of funds;
• demonstration of all transactions with restrictions specified;
• the ability to cancel a VRP permission in a few clicks, without calling or contacting customer support.

The UK Gambling Commission's requirements are even stricter in this matter.

The regulator prohibits any charges without notifying clients. Each operation must be accompanied by 2 messages (push and email), and the full history of transactions should be displayed directly in user accounts. It is also necessary to place the Stop VRP button on the payment page.

AML and KYC Compliance

While financial institutions already perform some Know-Your-Customer procedures, the authorities require business owners to perform the following actions:

1. Verify CoF and SoW parameters. These are the sources of funds and the wealth of players. These metrics are especially important when setting high VRP limits.
2. Monitor abnormal activity. The most common behavioural patterns include increased frequency of transactions, deposits made at night, as well as a mismatch between the profile and login device.
3. Stop VRP if there are AML or RG risks. Such payments require additional verification if there is excessive user activity or if fraud with bonuses, accounts, or sensitive data is suspected.

In the European Union, high-value VRP deposits over €2,000 are automatically subject to anti-money laundering scanning.

Players must document the origin of their funds and undergo an additional FATF check. Such rules exist in France, Romania, Spain, and other countries with developed gambling industries.

Benefits of VRP Implementation for VIP Customers

The premium segment is a very demanding audience. They play frequently, handle large amounts, and expect impeccable service. These clients are sensitive to any delays or inaccuracies in payments, so high speed and security are especially important.

VRP solves key problems in working with VIP users. The technology ensures a high level of control, transparency, and compliance with regulatory requirements.

Let us look at the main advantages of applying the tool for special clients.

Fast and Guaranteed Deposits

For premium players, replenishing their accounts is part of the experience. If the money does not arrive on time, these visitors leave quickly.

A typical card deposit involves multiple steps:

• entering the card number, expiration date, and CVV code;
• passing 3-D Secure verification;
• waiting for a push notification.

Each element of the chain increases the risk of error, delay, or blocking of the transfer by the bank.

VRP technology reduces the process of account replenishment to just 1 click. Players confirm their credentials with the financial institution in advance, after which project owners instantly initiate transactions.

The bank immediately debits the amount of money if it is within the pre-set parameters and all KYC/AML requirements are met.

Higher Limits

Standard restrictions for bank cards are not designed for VIP customers.

The VRP technology allows entrepreneurs to pre-set and approve the limits (daily, weekly, monthly) required by special clients. Major operations no longer seem suspicious, as the financial institution has already confirmed their legitimacy.

Increased Retention and Conversion

Every extra second, the need to enter a number, or an SMS code error, becomes an additional barrier that reduces:

• conversion of deposits;
• frequency of account replenishment;
• duration of gaming sessions.

The VRP solution eliminates 70–80% of the obstacles in the deposit process, which directly affects conversion, LTV, and other KPIs of online casinos.

Improved Security

One of the strongest arguments in favour of VRP is that it integrates the bank into the payment chain, performing:

• identity verification;
• anti-fraud procedures;
• source control.

All this makes the tool one of the most secure settlement methods in the iGaming industry. Deposits are initiated only within the framework of the parameters previously approved by players.

Entrepreneurs receive reliable AML protection and reduced chargeback risks. All this increases the stability and security of the casino business.

The Future of VRP in Gambling

Today, Variable Recurring Payments are at an early stage of implementation. Banks just open API gateways, regulators test approaches, and operators look for ways to integrate the solution into their financial flows without violating the RG principles.

In 5–10 years, VRP could become a mandatory standard like debit cards or instant transfers.

Let us consider the key areas of the technology’s development:

1. Full standardisation in the open banking environment. Experts expect the emergence of unified limits and mandate parameters. They will be approved by national financial regulators, and only then will they be adopted by the market.
2. The emergence of Sectoral Recurring Payments. These are expanded versions of VRP for specific industries: subscriptions, e-commerce, transportation, and gambling.
3. The integration of “smart limits”. The AI-powered program will automatically block deposits if a player has not passed a recent SoF and SoW verification, requiring reconfirmation if the average bill increases, and analyse the RG limits set in the operator's account.

The Main Things about Variable Recurring Payments in Gambling

VRP is an innovative financial instrument in the entertainment niche.

Key aspects that entrepreneurs should take into account:

• The solution involves the early establishment of templates for transactions. This approach ensures high speed and security of operations.
• In gambling, VRP technology is especially valuable when working with the VIP segment. This audience is prone to large cash transfers, requiring fast and reliable gateways with minimal errors and full compliance with regulatory requirements.

The Rosloto studio supplies cutting-edge solutions for the entertainment niche. We offer modern payment software, bookmaker or lottery scripts, turnkey casino solutions, and other profitable products.