Hold an iPhone near a shop terminal and the chip inside builds a single-use code for one payment. Tap Apple Pay in a casino cashier and almost the same thing happens, minus the terminal: the site asks your bank for money using a number that stands in for the card in your Apple Wallet. Face ID proves you are the cardholder. It approves nothing. Your bank decides, and your bank can say no.
Everything awkward about Apple Pay casinos falls out of that. There is no Apple Pay balance, no account number, nothing an online casino could send winnings to. A deposit lands in roughly two seconds and the money comes home on a completely different rail - which rail that is matters more than the tap that started it, and almost nobody writing about this says so.
So this page runs in two halves. First the mechanism: what the token actually does, why the button is missing from most independent cashiers, and what happens at cash-out. Then the practical half - how a UK player funds an account from an iPhone when Apple Pay never loads, what the currency leg costs, and which rails carry money back inside a day. If you would rather see every rail compared side by side before any of that, start with our guide to payment methods at online casinos.
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CrownJewelzFounded 2023250% up to €2,500 + 200 free spins welcome packageMin. dep£20Wager35xPayout0-24 hGames5,000+ |
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DaytonaSpinFounded 2026430% up to £14,300 + 430 free spins for new playersMin. dep€10Wager35xPayout0-24 hGames6,000+ |
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WinPlaceFounded 2025250% up to €14,000 + 300 free spins across 3 depositsMin. dep€20Wager40xPayout1-3 daysGames3,000+ |
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Smash CasinoFounded 2025600% up to €10,000 across 5 depositsMin. dep€20Wager40xPayout0-24 hGames5,000+ |
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NightWinFounded 2026280% up to £7,500 + 235 free spins for new playersMin. dep£20Wager30-35xPayout1-3 daysGames12,000+ |
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TikiTakaFounded 2024150% up to €750 + 100 free spins first depositMin. dep€20Wager35xPayout1-3 daysGames6,000+ |
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BritsinoFounded 2025320% up to £2,200 + 2,000 free spins for new playersMin. dep£20Wager40xPayout24-48 h (e-wallets)Games6,000+ |
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ShelbyWinFounded 2024Up to €6,000 + 500 free spins across 4 depositsMin. dep€20Wager30xPayout1-3 daysGames8,000+ |
9.2 | Get Bonus |
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WestAceFounded 2026300% welcome package + 150 free spins across the first depositsMin. dep€10Wager35xPayout0-24 h (e-wallets)Games6,000+ |
8.8 | Get Bonus |
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WinBeastFounded 2025250% up to €3,000 + 300 free spins across 3 depositsMin. dep£20Wager40xPayoutInstantGames8,000+ |
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The ranking above is our standing list for UK players: independent sites we have funded, played and emptied with our own money. It is not sorted by any single payment method. The section further down says which rails each of those cashiers actually runs, because that is the part an iPhone player needs before picking one.
We score the cashier, not the lobby. An online casino can carry twelve thousand casino games and still be the wrong choice if the only route your winnings can take is a card that takes three banking days. So the weighting below leans hard on what happens after you win, and on how many rail families sit on the deposit page - a cashier with wallets, cards and crypto on it gives an iPhone player somewhere to go; one with four options does not.
Each site was opened on a real handset, funded, played and cashed out at least once, and every number below was read off the live cashier rather than an affiliate sheet.
When you add a card to the Wallet app, the card number itself never gets stored on the phone. Your bank issues a Device Account Number - a separate number tied to that handset - and it sits in the Secure Element, a chip the rest of iOS cannot read. Each payment ships that number plus a cryptogram good for one transaction only. Intercept it and you have nothing worth stealing.
Which means an Apple Pay payment is a card payment wearing a disguise. The online casino's acquirer sees a Visa or Mastercard authorisation on merchant category code 7995, the code the card schemes reserve for gambling. Your issuer reads that code, looks at your account, and either approves it or declines it. The phone contributed convenience and a layer of security; the decision happened at your bank, exactly as it would if you had typed sixteen digits into a form.
| Part of it | What it does | What it cannot do |
|---|---|---|
| Device Account Number | Stands in for your card number on this handset | Hold a balance of its own |
| Secure Element | Stores that number where iOS cannot read it | Receive an incoming payment |
| One-time cryptogram | Authenticates a single transaction | Be reused or replayed |
| Face ID, Touch ID or passcode | Confirms the cardholder is present | Authorise the payment |
| Apple Wallet | Keeps the cards you have provisioned | Work as a casino account |
| Your issuing bank | Approves or declines on MCC 7995 | Be overruled by Apple or the casino |
Two things follow that catch people out. A card you pulled out of Apple Wallet and typed into a cashier by hand is not an Apple Pay transaction at all - no token, no cryptogram, no biometric step, just an ordinary card payment that your bank may treat differently. And when you use Apple Pay, the deposit inherits every restriction your card already has: a credit card blocked for gambling stays blocked behind the token, and a bank-level gambling switch catches the token too.
If a cashier shows the Apple Pay sheet but the payment fails instantly, the casino is rarely the problem. Open your banking app and look for the gambling block - Monzo, Starling and Revolut all ship one, and on a Revolut card it blocks the token as readily as the plastic. Switching it off takes a cooling-off period, which is the point of it.
Start here rather than at the end, because the answer rewrites the rest of the page. An Apple Pay withdrawal does not exist. Apple holds no money on your behalf and is not a bank; the only thing that can travel back down that path is a purchase refund, and a refund lands on the card underneath the token, not in the Wallet. An online casino payout is a different animal entirely - a push to a card, a bank transfer, a wallet credit or a crypto send. None of those can be addressed to a phone.
So a cashier that lists Apple Pay under withdrawals is either describing a card payout in loose language or has copied its own deposit list. Roughly half the UK pages we read while researching this one sell the Apple Pay withdrawal as a real feature, one of them with a stopwatch time attached. The two careful pages in that set say it plainly: funds go back to the debit card linked in your Apple Wallet. That is the honest version, and it is worth knowing before you win rather than after.
In practice a deposit made from the phone leaves a card as the default return route, and a card is the slowest of the fast options. Three stages sit between a request and money in your account, and only one of them belongs to the casino.
The fix is boring and it works: register a second rail on the day you open the account, not the day you win. A two-way wallet is the usual pick because it moves in both directions and most sites clear it inside a day - our page on casinos that take Skrill goes through which cashiers hold that standard and which quietly do not. Do it at sign-up and the first withdrawal is a two-minute job instead of a support ticket.
Crypto is the other answer, and on paper it is the quickest one: an on-chain payout usually lands inside an hour, with no issuer sitting in the middle to decline it. The trade-off is that the amount moves while the block confirms, so a win is worth slightly more or slightly less than the figure you requested. If that trade reads as acceptable, Bitcoin casino payouts are the fastest cash-outs anywhere in this corner of gambling.
Every page we read explains what a token is. Not one explains why the button is missing - which is strange, because that is the actual question an Apple user arrives with, and the answer sits on the merchant's side of the screen rather than the player's.
Apple Pay on the web is gated at two points. First, the merchant: an online casino needs a Merchant ID, a payment-processing certificate, and then every single domain it takes payments on registered with Apple and verified by hosting a file at a fixed path under /.well-known/. No verified domain, no working button - the sheet simply refuses to open. That requirement is a wall for any operator that rotates mirror domains to stay reachable, because each new domain starts the registration again from zero.
Second, the acquirer. Somebody has to sponsor merchant category code 7995, and the processors that could are selective about it: Stripe requires written approval in advance and only for listed jurisdictions, while Nuvei, Worldpay and Paysafe frame their gambling business around regulated markets. An operator licensed in Curaçao or Anjouan and serving UK players is outside that framing, so the sponsorship conversation usually never starts.
There is also a myth worth killing. Apple publishes two separate rulebooks, and guides mix them constantly. The Acceptable Use Guidelines for Apple Pay on the Web never mention gambling at all - the only clause that could bite is the one about breaking the law. The explicit real-money-gaming rules live in the App Store Review Guidelines, and they govern apps, not web cashiers. The line about unlawful gambling sites that gets quoted at this point belongs to Apple Cash, a US-only person-to-person product with nothing to do with merchant acceptance. Apple has not banned casinos from Apple Pay. Verification and sponsorship did the work.
Apple never slammed a door on this market. A certificate, a per-domain file and an acquirer that will touch code 7995 did it quietly, and no cashier is going to put that on its payments page.
It is standard in the licensed market, and that is the cleanest way to understand the split. Sites holding a UK Gambling Commission licence clear both gates without effort: a fixed domain they have no reason to rotate, and an acquirer that already serves regulated gambling. Practically every British brand accepting Apple Pay sits in that group. Walk the big UK online casinos and the sheet opens every time, with a floor of £5 or £10 depending on the brand.
The numbers those brands publish give a sense of the ceiling. At bet365 you can deposit £5 by Apple Pay and no more than £5,000 in one go; LeoVegas wants a minimum deposit £10 against a £20,000 maximum; at Casimba you deposit £10 per transaction or nothing. Midnite starts at £5, Videoslots and Casushi at £10. Payout policy is where they part company - the same comparison that lists those limits marks Casimba as card-only on the way out, which is the correct description of what the token can and cannot carry.
Those are also sites inside GAMSTOP, and that is the trade. You get the button, the familiar brand and a regulator to escalate to; you also get the self-exclusion scheme, affordability checks, the credit-card ban and a welcome bonus capped where UK rules cap it. Lottoland will hand you 100 free spins on Big Bass Bonanza for a £20 stake with no wagering attached, which is the kind of offer the licensed market does well. Whether that package suits you is a separate question from whether you can use Apple Pay, and conflating the two is how most lists of the best Apple Pay casinos end up useless to anyone who deliberately plays elsewhere.
PayPal sits in the same structural box, for the same reason. Its UK gambling cover is written around Commission licensees, so a PayPal badge is a statement about where a site is licensed rather than a convenience - the longer version is on our page for the best PayPal casinos, and the short version is that you will rarely meet it at an independent cashier.
Here is where the table earns its place for anybody paying from a phone. None of these cashiers is being recommended on the strength of one payment sheet; what matters is how many ways in and out each one gives you, because that decides whether an iPhone has somewhere to go.
CrownJewelz is top of the list on breadth. Skrill, Neteller, Visa, Mastercard and crypto all sit on one page, which is five rail families - enough that a card deposit never has to also be your payout route. Wagering is 35x, mild for this market, and e-wallet cash-outs came back inside 0-24 hours every time we asked. Running since 2023 with over 5,000 games behind it, it is the one we would hand to somebody opening their first casino account of the year. The £20 minimum deposit is double what the cheapest sites here ask, and the Curaçao licence is claimed on the site without a number we could pull.
Get BonusDaytonaSpin is the Revolut one. It treats a Revolut account as a rail in its own right rather than as another Visa number, and if your working balance lives in an app rather than a high-street current account that removes a step from both legs. Ethereum sits alongside it, also two-way. The deposit floor is €10, the lowest here, the offer and balance are quoted in pounds so neither leg converts twice, and payouts cleared in 0-24 hours during our checks. Four rails only, though, with no wallet family at all, and the site launched in 2026 - there is no complaint history to read yet.
Get BonusWinPlace is the interesting one for anybody who wants an Apple route that genuinely exists. MiFinity sits on its cashier next to Revolut, Ethereum and both card schemes, and MiFinity is one of the few wallets that will take an Apple Pay top-up directly - an iPhone funds the wallet, the wallet funds the casino. Payouts run 1-3 days and wagering is 40x, so it is a cashier you pick for the routing rather than the terms.
TikiTaka carries the widest wallet set in the table: Skrill, Neteller, MiFinity, MuchBetter, Paysafecard and Visa. MuchBetter is a phone-first wallet, which suits the same player who went looking for Apple Pay in the first place, and Paysafecard means a voucher bought with cash in a shop is a valid way in. Its welcome offer is the smallest here at 150% up to €750 with 100 free spins, and its wagering is 35x - a modest package attached to a genuinely flexible cashier.
NightWin runs cards and crypto only, but it is the biggest lobby in the set at over 12,000 casino games, prices everything in pounds, and sets wagering at 30-35x. ShelbyWin asks the lowest wagering here, 30x, with Skrill, Neteller, Paysafecard, both cards and crypto. WestAce opens at €10 and pairs the wallet family with Revolut and crypto. WinBeast leans crypto-first with Ethereum, the wallets and Revolut, and quotes an instant payout that behaved that way in our tests. Smash Casino pairs Ethereum with Skrill and Neteller behind a 600% headline, the largest number on this page and the one whose terms we would read twice. Britsino is the narrow end of the list: Ethereum alone, 24-48 hours quoted on e-wallets and taken.
Cards deserve one note of their own, since every Apple Pay deposit is a card deposit underneath. Visa and Mastercard debit are accepted across the table, and a card payout returns to the card it came from - so a card that has expired since you deposited means support will ask for a second rail before releasing anything. Credit is the line nobody should cross here: interest starts the moment the payment posts as a cash advance, and the reasoning is set out on our page about master card casino deposits and the debit alternative that does the same job without borrowing.
This is the part that actually helps. An Apple user who cannot tap is not stuck - the phone is still the device holding every rail that works, and several of them are quicker end to end than the token would have been. What changes is that you now pick the route deliberately instead of letting a sheet pick it for you.
| Route from the phone | What actually happens | Verdict |
|---|---|---|
| MiFinity wallet topped up by Apple Pay | The phone funds the wallet, the wallet funds the casino, and the wallet pays you back | 🟢 The real Apple route |
| Revolut account or card | Two-way at the sites that list it; the in-app gambling block has to be off first | 🟢 Fast both ways |
| Crypto from a phone wallet | Deposit confirms in 5-30 minutes, payout usually under an hour | 🟢 Quickest out |
| Debit card typed in by hand | An ordinary card payment - no token, no Face ID, same MCC 7995 decision | 🟡 Works, slowest back |
| Two-way wallet such as Skrill or Neteller | Instant in, usually 0-24 hours out, often excluded from the welcome offer | 🟡 Pair it with a card |
| Paysafecard voucher | Cash bought in a shop, 16-digit code typed in, nothing reaches your bank | 🔴 Funding only |
| Open banking from a banking app | Two-way and instant where it exists, which offshore is almost nowhere | 🔴 Rarely offered |
The MiFinity line is the closest thing to a genuine Apple route that this market has, and it is worth being precise about it. MiFinity accepts Apple Pay top-ups and charges 1.8% on EEA cards for the privilege, plus a currency spread if the balance and the card disagree. Skrill does not work this way, whatever the guides say - the integration runs the other direction, with a Skrill card going into Apple Wallet rather than Apple Pay going into Skrill. Neteller is the same story.
Google Pay occupies an identical position for Android, down to the mechanism: a tokenised card, a device-held credential, no balance and no payout route. The one difference is that Google names gambling in its own acceptable-use terms, so acceptance is switched on country by country rather than left to the acquirer alone - our page on finding an online casino that accepts Google Pay covers which markets have it live.
Pay-by-bank is the route most UK players would actually prefer, because it starts in the banking app they already open every day and it pays winnings back the same way. The catch is availability: open banking providers work almost exclusively with licensed operators, which is why Trustly casino sites thin out to almost nothing once a casino leaves the licensed market. Worth checking at any cashier you join, but not worth planning around.
A cashier that offers to store your card after a manual deposit is not giving you Apple Pay back. Stored cards sit with the casino's processor, not in the Secure Element, and a stored-card charge carries none of the token's protection. If the phone cannot tap, the safer trade is a wallet in the middle rather than a card number living on somebody else's server.
You can answer this in under a minute, and the order matters because the most reliable test is the last one. Payment logos on a homepage footer are the least trustworthy signal in gambling: they get pasted in once and never audited, so plenty of online casinos that accept Apple Pay in their marketing have nothing of the sort on the live deposit page, and a few that do support Apple Pay never bothered to add the logo. The only list of cashiers accepting Apple Pay worth anything is the one you build on the deposit screen itself.
If the sheet refuses to open at all, the cause is on the casino side and no amount of fiddling with the phone will change it - the domain is not registered with Apple. If the sheet opens and the payment is declined, the cause is your bank, and the gambling block in your banking app is the first place to look. Those two failures look identical on screen and have nothing in common underneath.
One habit worth keeping: when a cashier does let you deposit with Apple Pay, note which rail it offers back before the balance tempts you into playing. Casino sites that accept Apple Pay deposits still owe you a payout route, and the sites that handle this well say so on the same screen. The ones that do not will tell you at cash-out, which is the worst possible moment to find out that you need to verify a wallet you have never opened.
Nothing about the payment method touches the lobby, which is worth saying because a surprising number of pages imply otherwise. Your deposit arrives as balance, and balance plays everything: there is no shelf of Apple Pay slots, no separate Apple Pay online casino lobby, and no casino game that checks how the money got there. The one place the method can matter is a bonus exclusion list, and that is about the rail, not the titles.
What does change between online casinos is the catalogue. NightWin runs the biggest one here, ShelbyWin holds 8,000 casino games, and the rest sit between 3,000 and 6,000 - and in every case the live casino section is the part worth checking on a phone first, because live dealer tables are heavier than slots and a weak mobile casino shows there before it shows anywhere else. A deposit from an iPhone with 5G behind it will load a table in a couple of seconds; the same table on a tired connection is where you discover whether a site built its own front end or bought one.
Promotions follow the licensed market's taste rather than the method's. Big Bass Bonanza is the slot nearly every welcome offer in the UK points at, and 100 free spins on Big Bass titles for a £20 stake is a standard shape over there. The independent sites in our table trade that for size instead: a bigger bonus amount, a longer wagering run, and free spins counted in the hundreds rather than the dozens.
New sites are the ones most likely to advertise a method they cannot deliver, because a launch marketing pack gets written before the payments integration is finished. A new Apple Pay casino that lists the method in week one and quietly drops it in month two is a pattern we have watched more than once, and it is not usually dishonesty so much as a domain that never passed verification. A site accepting Apple Pay in week one is not necessarily accepting Apple Pay in month three.
Among Apple Pay casinos in the UK the newest names in our own table are DaytonaSpin, NightWin and WestAce, all from 2026. New is not a fault - fresh sites often price the welcome offer harder to buy an audience, and DaytonaSpin's €10 floor is the clearest example on this page. What new does mean is that there is no complaint history to read, so the normal checks matter more: whether the licence is named with a number, whether the terms page predates the launch, and whether the cashier's published limits survive contact with an actual withdrawal. For the best UK online casinos the answer to all three is already documented. For a site three months old, you are the documentation.
Deposits are free at every site in the table and at every licensed brand we checked - Apple Pay itself charges the player nothing, ever. The costs are elsewhere, and the one that catches most people never appears on the cashier screen.
Start with the floors. Four cashiers here want you to deposit £20 before anything happens, two open at €10, and the rest sit at €20. The £1 and £3 minimums advertised in the licensed market are not part of this corner of gambling, so a plan built around tiny test deposits does not survive contact with it. If you want to deposit £20 and see how the site behaves before committing more, that is the realistic smallest step.
Then the currency. Six of the ten welcome offers here are priced in euros while your card is in pounds, which means the deposit converts once on the way in and the withdrawal converts again on the way out. On a £500 round trip through a euro balance that is real money, and it is invisible unless you set the bank statement next to the cashier history. DaytonaSpin and NightWin quote in pounds, which removes both legs. Add MiFinity's 1.8% if you route through the wallet, and the Apple path costs a little more than the card path for the convenience of existing.
Withdrawal caps matter more than minimums and get read less. A few thousand a week is normal for an independent cashier, and a large win is paid against that cap in instalments rather than in one transfer. Phone billing is the extreme version of the same problem: the daily and monthly limits on a pay by phone casino Boku deposit sit well below any card limit, and nothing comes back down that rail at all, so it needs a second route registered before your first cash-out.
A deposit bonus does not care how the money arrived in the sense that it checks your method against an exclusion list, and the pattern across this market is consistent. A first deposit by card qualifies everywhere we tested, crypto qualifies at the crypto-first sites, and the two-way wallets are the ones most often excluded from the welcome bonus - which is awkward, because they are also the fastest way out.
Since an Apple Pay deposit is a card deposit underneath, it inherits the card's status: if cards qualify, the token qualifies. So a player who chooses to use Apple Pay for a first deposit is on the safest rail for a welcome bonus rather than the riskiest - a genuine point in its favour that the pages arguing about withdrawal speeds never reach.
Pairing solves the conflict. Deposit on the rail the bonus accepts, register the rail that pays fastest, and do both before you have anything to withdraw. Wagering across the table runs from 30x to 40x, bonus funds stay separate from your own balance until the requirement clears, and the maximum bet while a bonus is live is the term that quietly ends more bonuses than the wagering multiple does. Read the bonus amount, then read the max bet, in that order.
UK gambling is licensed by the Gambling Commission, and the sites in our table are not. They hold licences issued in Curaçao, Anjouan and Costa Rica, and they are outside the GAMSTOP scheme - not because they opted out, but because that scheme binds Commission licensees and nobody else. There is no UK regulator to escalate a refused payout to; a complaint travels to the licensing authority that issued the licence.
For the player, two facts are worth having straight. Playing at a non-Commission site is not an offence in Great Britain, and gambling winnings are not taxable income here - from a licensed operator or an offshore one. Any page warning you about tax on a casino win in the UK has imported it from somewhere else.
The credit-card rule is the most useful tell in the whole market. Since April 2020 a Commission licensee cannot take a credit card for gambling at all, so a cashier that cheerfully accepts one has told you where it is licensed before you read a word of its terms. The same logic runs through PayPal and open banking: those rails are tied to the licensed market, so their absence is a licensing signal rather than a quality one. Apple Pay belongs to that group too, which is the honest summary of this page - the missing button is a licensing artefact, not a verdict on the cashier behind it.
One more thing on the card side. UK issuers read merchant category code 7995 as gambling and decline offshore merchants on it fairly often, and Monzo, Starling and Revolut all ship an in-app gambling block that does the same silently. That is why the same Apple Pay sheet works at a licensed site and fails two minutes later somewhere else - nothing changed on the phone.
Judged as a casino payment method rather than as the badge an Apple Pay casino puts in its footer, Apple Pay is genuinely good at one half of the job and incapable of the other. That is not a flaw so much as a description.
The sites in our table are 18+ and sit outside GAMSTOP, so a self-exclusion registered there does not reach them. Set a deposit limit in the cashier on the day you open an account, and use the reality-check and cooling-off tools before you need them. If gambling has stopped being entertainment, the National Gambling Helpline is free on 0808 8020 133, 24 hours a day, with chat and WhatsApp through GamCare alongside it.
Licensed UK online casinos take it as standard, and most independent sites cannot. The split is technical rather than commercial: Apple Pay on the web needs every payment domain registered and verified with Apple plus an acquirer willing to sponsor merchant category code 7995, and an offshore operator that rotates domains fails the first test and rarely passes the second.
No, and no cashier can offer it however the button is labelled. Apple holds no balance and is not a bank, so the only thing that travels back that way is a purchase refund landing on the card underneath the token. Whatever a cashier calls it, the payment is really a card payout, 1-3 banking days, or another rail you registered yourself.
Yes, with a debit card in your Wallet at a site that accepts the token. A credit card cannot be used for gambling on a Commission-licensed site at all, and that restriction follows the card into Apple Pay, so a credit card in the Wallet will be declined even where the sheet opens.
In the licensed market it is usually £5 or £10 - bet365 and Midnite start at £5, Casimba, LeoVegas and Videoslots at £10. At the independent sites in our table the floor is higher: £20 at four of them and €10 at the two cheapest, with no £1 options anywhere in this part of the market.
Almost never directly, because the domain verification and acquirer sponsorship behind the button are exactly what an offshore operator cannot supply. The working route from an iPhone is a MiFinity wallet, which does accept Apple Pay top-ups at 1.8% on EEA cards and then pays winnings back itself - or Revolut and crypto, both of which move in both directions.
Instant in practice: the authorisation comes back in a couple of seconds and the balance updates with it. Apple charges the player nothing and no cashier we checked adds a fee of its own. The costs that do exist are currency conversion on a euro balance and, if you route through a wallet, that wallet's own top-up charge.
