The published payment menu
| Method | Purchase | Redemption | Our test clearing time |
|---|---|---|---|
| Visa | Yes | No | Instant credit |
| Mastercard | Yes | No | Instant credit |
| Amex | Yes | No | Instant credit |
| Discover | Yes | No | Instant credit |
| Apple Pay | Yes | No | 3.0-second confirmation |
| Skrill | Yes | Yes | 9 hours 18 minutes |
| eGift cards | Yes | No | Instant credit |
| Bank Transfer (ACH) | No | Yes | 36 hours |
Eight methods. Two redemption paths.
Notably absent: PayPal, Google Pay, crypto, Prizeout, Cash App, Trustly.
The Apple Pay + Amex + Skrill combination
The cashier headline: Apple Pay for mobile, Amex for Membership Rewards earners, Discover for the discrete cardholder segment, Skrill for fast redemption alternative.
Among brands with all four: SweepSlots ships Amex + Discover + Skrill + crypto (no Apple Pay or Google Pay). WOW Vegas ships Amex + Discover + Apple Pay + Skrill + Trustly + Prizeout (no crypto). The Money Factory ships Apple Pay + Amex + Discover + Skrill + ACH.
The Apple Pay purchase test
We submitted the first-purchase via Apple Pay Wednesday at 3:24 AM. Apple Pay Face ID confirmation in 3.0 seconds. Pack credited instantly.
The Skrill redemption test
40 SC redemption to Skrill. Funds appeared in 9 hours 18 minutes.
The ACH redemption test
80 SC ACH redemption cleared in 36 hours to bank.
KYC requirements before redemption
Standard three-document requirement. Total KYC turnaround: 35 hours 53 minutes.
Tax disclosure
IRS Form 1099-MISC at $600 aggregate per Publication 525.
Negatives we documented
- No PayPal.
- No Google Pay.
- No crypto.
FAQ
What payment methods does The Money Factory accept? Eight: Visa, Mastercard, Amex, Discover, Apple Pay, Skrill, eGift cards, ACH.
Does it accept Apple Pay? Yes.
Does it accept Amex? Yes.
What is the minimum redemption? 50 SC for Skrill and ACH.
How fast is Skrill redemption? 9 hours 18 minutes in our test.
About this payments guide
Written May 2026 by Louis Rhoades. For the full review, see The Money Factory Casino review.