Payments

This page explains how to deposit and withdraw with upc0z, the methods we accept, processing times, limits, and the identity checks we must complete before paying out. We are licensed by Liquor & Gaming NSW (licence 4597/2024/WB) and follow Australian payment and anti-money-laundering rules.

Accepted payment methods

We accept the following methods for both deposits and withdrawals:

Visa debit cards
Mastercard debit cards
Apple Pay
Google Pay
PayID

Credit cards are not accepted for betting in Australia. Australian law prohibits the use of credit to gamble with licensed online wagering operators, so only debit cards and the methods listed above can be used. If a card is identified as a credit card, the transaction will be declined.

Deposits

Deposits are usually credited to your account instantly. Card, Apple Pay, Google Pay and PayID deposits are processed in real time in the large majority of cases, though occasionally a deposit may take a few minutes to appear while it is confirmed.

Every deposit is subject to your deposit limit. Deposit limits apply over rolling windows of 24 hours, 7 days or 30 days, so each deposit is counted against the total of your deposits in the preceding 24 hours, 7 days or 30 days (as applicable). If a deposit would take you over your limit, it will be declined. You can review and manage your limits on the Deposit limits page. Decreases to a deposit limit apply immediately; increases or removal of a limit take effect automatically after 7 days unless you cancel the request before then.

Withdrawals

Withdrawals are paid back to a verified payment method you used to deposit. This is an anti-money-laundering control. The minimum withdrawal amount is the amount shown in your account.

Typical processing times by method:

PayID: usually within a few hours, often faster, once approved.
Visa/Mastercard debit (payouts to card): usually 1 to 3 business days once approved.
Apple Pay and Google Pay: paid to the underlying card or account, usually 1 to 3 business days.

Processing time begins once a withdrawal is approved. Approval may take longer if identity verification or additional checks are required. For full detail on withdrawal rules, limits, reviews and cancellations, see the Withdrawals page.

Limits

Deposit and withdrawal limits apply:

Deposits are capped by your personal deposit limit, which you set and manage yourself.
The minimum withdrawal is the amount shown in your account.
Maximum deposit and withdrawal amounts may apply per transaction and per day depending on the method and on risk and AML thresholds. Larger withdrawals may be subject to additional review before they are released.

If a withdrawal exceeds a review threshold, we may pause it briefly to complete the necessary checks. This is explained further on the Withdrawals page.

Identity verification (KYC)

We are required to verify your identity before you can withdraw. This Know Your Customer (KYC) process confirms who you are using documents and data checks, and helps prevent fraud, underage gambling and money laundering.

You may be asked to provide:

A government-issued identity document (for example a driver licence or passport).
Proof of address or other supporting information.
Verification of ownership of the payment method being used.

If verification is incomplete, withdrawals will be held until it is finished. We may also request evidence of the source of your funds in certain circumstances.

How your money is held

Customer funds are held in a segregated client account that is separate from our operating funds. This means the money in your account is kept apart from the funds we use to run the business, in line with our licensing obligations.

Deposit limits — set and manage how much you can deposit.
Withdrawals — detailed rules on payouts, reviews, cancellations and source-of-funds enquiries.
Account closure — how to close your account and what happens to a remaining balance.

If you have a question about a payment, contact our customer support team at support@upc0z.com or through our Contact Us page. Our registered office is 101 Sheridan Street, CAIRNS QLD 4870.

Spending more on betting than you meant to? The National Gambling Helpline (Gambling Help Online) takes calls on 1800 858 858 around the clock. Calls are free and private. The helpline is not part of our business and cannot help with payment queries.