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PA Lottery Proposed Play at Pump Will Accept Credit Cards

Topic closed. 23 replies. Last post 1 year ago by RedStang.

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Wyomissing, PA
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Posted: November 1, 2015, 9:01 am - IP Logged

According to the latest Pennsylvania Bulletin, PA Lottery is proposing to offer Play at Pump. According to the notice, Mega Millions and Powerball will be among the first games offered. No playslips nor self-selection. Quickpick only.

For more details: http://www.pabulletin.com/secure/data/vol45/45-44/1939.html

Play at Pump will require debit or credit card. No cash. While PA Lottery retailers have long been able to accept credit cards, very few knowingly do. Being many people don't carry much cash anymore, it makes sense though comes with some tradeoffs for both card issuers (increased default risk) and players (spending more than they can afford).

For most drawings, this will be a non-issue, but if and when MM / PB reach record heights again, what's to stop players from racking up $100, $200, $500, $1000, etc on play at the pump... Hopefully, PA Lottery and stores that offer Play at Pump figure this out before it gets crazy. I can already envision lots of players standing at gas pumps not fueling, or even with no vehicle at all, buying loads and loads of tickets on their credit card(s).

Redemption gets interesting. For larger prizes over $600, the player will need to bring the card, originally used for purchase, along with them to a claim center. However, PA Lottery will credit winnings of $600 or less to the card originally used for the purchase. Some card issuers may not care for that, especially if issued as an original credit verses a refund. Furthermore, players may experience difficulties / delay getting the excess funds back from the card issuer. Also, some players may be hit with cash advance fees and/or have their credit card limit decreased / account closed due to such activity.

All in all, Play at Pump seems more hassle than it's worth. Be interesting to see if it's ever implemented and what stores get on board. My guess is Wawa and/or Sheetz will be among the first for the test pilot.

In my view, PA Lottery should focus its efforts on a player pre-paid card that can be loaded with funds, and also used for redemption for future play / withdrawal from ATM. That would be a winner. As of now, redeeming winners of even $100 can be a hassle, since many lottery retailers don't have much cash on hand and/or make excuses not to pay out such prizes (ie. player didn't buy the ticket there, expecting one to spend some of their winnings there, just don't feel like it, etc).

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    December 3, 2014
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    Posted: November 1, 2015, 9:39 am - IP Logged

    According to the latest Pennsylvania Bulletin, PA Lottery is proposing to offer Play at Pump. According to the notice, Mega Millions and Powerball will be among the first games offered. No playslips nor self-selection. Quickpick only.

    For more details: http://www.pabulletin.com/secure/data/vol45/45-44/1939.html

    Play at Pump will require debit or credit card. No cash. While PA Lottery retailers have long been able to accept credit cards, very few knowingly do. Being many people don't carry much cash anymore, it makes sense though comes with some tradeoffs for both card issuers (increased default risk) and players (spending more than they can afford).

    For most drawings, this will be a non-issue, but if and when MM / PB reach record heights again, what's to stop players from racking up $100, $200, $500, $1000, etc on play at the pump... Hopefully, PA Lottery and stores that offer Play at Pump figure this out before it gets crazy. I can already envision lots of players standing at gas pumps not fueling, or even with no vehicle at all, buying loads and loads of tickets on their credit card(s).

    Redemption gets interesting. For larger prizes over $600, the player will need to bring the card, originally used for purchase, along with them to a claim center. However, PA Lottery will credit winnings of $600 or less to the card originally used for the purchase. Some card issuers may not care for that, especially if issued as an original credit verses a refund. Furthermore, players may experience difficulties / delay getting the excess funds back from the card issuer. Also, some players may be hit with cash advance fees and/or have their credit card limit decreased / account closed due to such activity.

    All in all, Play at Pump seems more hassle than it's worth. Be interesting to see if it's ever implemented and what stores get on board. My guess is Wawa and/or Sheetz will be among the first for the test pilot.

    In my view, PA Lottery should focus its efforts on a player pre-paid card that can be loaded with funds, and also used for redemption for future play / withdrawal from ATM. That would be a winner. As of now, redeeming winners of even $100 can be a hassle, since many lottery retailers don't have much cash on hand and/or make excuses not to pay out such prizes (ie. player didn't buy the ticket there, expecting one to spend some of their winnings there, just don't feel like it, etc).

    This just sounds like a complicated mess ... I wouldn't be interested. With the problems that I have had at self-serve lottery terminals ... maybe buying $10 in tickets would end up $100 on my credit card.

    I would never put a purchase on a debit card ... you can't dispute that like you can with a credit card purchase ... but disputing a charge on a credit card could also be a tough go, I would think.

    By the way, you are saying people can currently use a credit card to buy lottery tickets in PA ... I never knew that. Who would pay the charge fee? ... the merchant, the Lottery or the person buying the ticket?

    For example, would a $1.00 ticket cost $1.10 at the time of purchase?

    Too complicated with pitfalls.

    CW

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      Wyomissing, PA
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      Posted: November 1, 2015, 10:20 am - IP Logged

      Normally, the merchant pays the fee, which can range upwards of 4% though can be low as 1.5% or so for big chains, such as Wawa and Sheetz. Presumably, that's much of the reason lottery retailers don't accept credit cards, since that cuts deeply into their ~5% lottery commission, or even eliminate it for small purchases due to the flat transaction fee(s) that's also usually charged.

      Also, credit card processors often discourage acceptance of cards for gambling purposes. However, some lotteries, in particular, New York, has gone out of its way to distinguish lottery tickets from regular gambling, and hence encourage its retailers, and by extension, card processors to allow such purchases.

      With all that said, you bring up an interesting point, since Pay at Pump is different than regular ticket sales. Maybe the lottery retailer will be reimbursed the fees and/or earn larger commission to cover much of the processing costs. Not sure.

      A lot of pitfalls, for sure. I'm very surprised PA Lottery is even pursuing this idea. PA Lottery seems overly desperate and/or has jumped the shark - offering raffle 4X per year, and now this. There are so many other things, such as offering a reloadable pre-paid card, that would be far more productive and profitable.

        HoLeeKau's avatar - YheaShea
        Idaho
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        Posted: November 1, 2015, 10:31 am - IP Logged

        We can use credit cards for lottery in Idaho.  It's up to each retailer whether they want to accept them or not.  The largest c-store, Jackson's, does not take credit for lottery and neither does Fred Meyer nor Rite Aid.  But Albertson's does at the customer service counter, the liquor stores (state run) do, and Stinker stations also.  I like getting my 1% back on lottery purchases and feel like I make out like a bandit when I can buy my lottery at a store that one of my cards is paying 5% back that particular quarter.  The merchant pays the charge fee AFAIK.  I know the consumer doesn't.

        The Idaho lottery did agree to never allow credit cards to be used in the vending machines.  I can't remember now who was fighting to disallow that.  The state legislature, maybe? 

        From what I've seen, if people are going to overspend using a credit card, they'll figure out a way to do it even if they can't directly make lottery purchases with credit.  If they're going all out, they won't mind paying the fee for a cash advance.  What's an extra $10 or $50 in order to have $500 to play with?

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          Posted: November 1, 2015, 11:58 am - IP Logged

          We can use credit cards for lottery in Idaho.  It's up to each retailer whether they want to accept them or not.  The largest c-store, Jackson's, does not take credit for lottery and neither does Fred Meyer nor Rite Aid.  But Albertson's does at the customer service counter, the liquor stores (state run) do, and Stinker stations also.  I like getting my 1% back on lottery purchases and feel like I make out like a bandit when I can buy my lottery at a store that one of my cards is paying 5% back that particular quarter.  The merchant pays the charge fee AFAIK.  I know the consumer doesn't.

          The Idaho lottery did agree to never allow credit cards to be used in the vending machines.  I can't remember now who was fighting to disallow that.  The state legislature, maybe? 

          From what I've seen, if people are going to overspend using a credit card, they'll figure out a way to do it even if they can't directly make lottery purchases with credit.  If they're going all out, they won't mind paying the fee for a cash advance.  What's an extra $10 or $50 in order to have $500 to play with?

          To both you and Ron ... it just seems dangerous to charge lottery tickets. For one thing ... is there a limit on a one time lottery purchase? ... or would it be whatever the "card limit" is?

          For example ... say a credit card limit is $5,000 and someone really thinks they can hit a $900 million dollar Powerball jackpot ... so they buy 2,000 PB tickets at a cost of $4,000. Let's presume they win nothing or just a small amount of that $4,000 back ... but now they decide not to pay the credit card bill ... they have other day to day expenses and no money left to pay the gambling debt.

          It's no good ... why can't online gambling be set up with any state lottery ... I would like to be able to play some games in other states ... it would be on the "up and up" and no extra charges ... pick your games and pay your $1 or $2 ... pay as you go.

          This is where the state lotteries should be going as a group ... getting the rules and regulations changed.

          How many people from the western part of the country would buy a PA Raffle ticket with a PA account setup ... I would like to buy a raffle ticket from other states.

          It just seems that in 2015 this change is long overdue.

          ...

            HoLeeKau's avatar - YheaShea
            Idaho
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            Posted: November 1, 2015, 1:35 pm - IP Logged

            To both you and Ron ... it just seems dangerous to charge lottery tickets. For one thing ... is there a limit on a one time lottery purchase? ... or would it be whatever the "card limit" is?

            For example ... say a credit card limit is $5,000 and someone really thinks they can hit a $900 million dollar Powerball jackpot ... so they buy 2,000 PB tickets at a cost of $4,000. Let's presume they win nothing or just a small amount of that $4,000 back ... but now they decide not to pay the credit card bill ... they have other day to day expenses and no money left to pay the gambling debt.

            It's no good ... why can't online gambling be set up with any state lottery ... I would like to be able to play some games in other states ... it would be on the "up and up" and no extra charges ... pick your games and pay your $1 or $2 ... pay as you go.

            This is where the state lotteries should be going as a group ... getting the rules and regulations changed.

            How many people from the western part of the country would buy a PA Raffle ticket with a PA account setup ... I would like to buy a raffle ticket from other states.

            It just seems that in 2015 this change is long overdue.

            ...

            No limit that I know of.  I have a card with a limit of $50K.  The only thing stopping me from putting $50K on that credit card, whether it's lottery or shoes or electronics, is the good sense that natural selection gave me.

            If someone wants to spend $4,000 they don't have on trying to win a $900 million jackpot, not being able to use a credit card to purchase the tickets isn't gonna stop them.  They'll just write a "convenience" check.  If they don't have the sense to realize that throwing $4k at a lottery is not a good idea, they won't have the sense to spend only what they can afford on other items either.  And I bet a million bucks that a good percentage of them would end up defaulting on credit cards whether charging lottery or not.

             

            I'd love to play games in other states too.  Without having to spend time and gas to get there.  I wonder how much Mass makes on out-of-state sales of their Megabucks Doubler?  Must be quite a bit to justify paying operators to take the orders, mail people to ship them out, etc. etc. etc.  I think they only charged me $4 extra which would probably cover the UPS fee to ship it but none of the other related expenses.

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              Posted: November 1, 2015, 1:45 pm - IP Logged

              No limit that I know of.  I have a card with a limit of $50K.  The only thing stopping me from putting $50K on that credit card, whether it's lottery or shoes or electronics, is the good sense that natural selection gave me.

              If someone wants to spend $4,000 they don't have on trying to win a $900 million jackpot, not being able to use a credit card to purchase the tickets isn't gonna stop them.  They'll just write a "convenience" check.  If they don't have the sense to realize that throwing $4k at a lottery is not a good idea, they won't have the sense to spend only what they can afford on other items either.  And I bet a million bucks that a good percentage of them would end up defaulting on credit cards whether charging lottery or not.

               

              I'd love to play games in other states too.  Without having to spend time and gas to get there.  I wonder how much Mass makes on out-of-state sales of their Megabucks Doubler?  Must be quite a bit to justify paying operators to take the orders, mail people to ship them out, etc. etc. etc.  I think they only charged me $4 extra which would probably cover the UPS fee to ship it but none of the other related expenses.

              Well I'm thinking that the lottery people are MA state employees or state lottery employees. I don't think a contractor handles their lottery but I don't know for sure.

              So when not answering phones they have other work ... I would think.

              I called the MA Lottery on Friday to get some information on the Mass-Cash game ... I asked about the Holiday Special in Nov ... it will start on Nov 12th for the Megabucks game for out-of-state players.

              Should be information on the web site shortly.

              I agree with you that people can still go overboard with  spending on lottery tickets ... credit card or no credit card. I can speak from some experience when the MM jackpot was over 500 or 600 million years back. I took some "extra" funds out of the bank to get extra tickets ... live and learn !!!

              It's just much easier to whip out a credit card and worry about everything later ... or don't worry about everything ... just default.

              ...

                HoLeeKau's avatar - YheaShea
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                Posted: November 1, 2015, 2:40 pm - IP Logged

                I just went to their website to look for the Holiday sale.  Thanks for posting that.  I just might get a second set of numbers.  And put them on my credit card.  LOL

                But as with any other purchase, I never charge more than what I can pay off at the end of each month.   Blue Angel

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                  Posted: November 1, 2015, 2:48 pm - IP Logged

                  I just went to their website to look for the Holiday sale.  Thanks for posting that.  I just might get a second set of numbers.  And put them on my credit card.  LOL

                  But as with any other purchase, I never charge more than what I can pay off at the end of each month.   Blue Angel

                  Yes I'm glad that I can use a credit card in MA also. I have never had a problem so far with my Credit Union refusing the order ... it is a legitimate charge and not from some "offshore" casino or such.

                  I still have a subscription going to Nov 29th but I have my numbers ready to go ... I will order soon after Nov 12th since it takes 3 to 4 weeks for the subscription to actually start.

                  Nice jackpot building ...

                  Good luck

                  ...

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                    Posted: November 1, 2015, 11:17 pm - IP Logged

                    This just sounds like a complicated mess ... I wouldn't be interested. With the problems that I have had at self-serve lottery terminals ... maybe buying $10 in tickets would end up $100 on my credit card.

                    I would never put a purchase on a debit card ... you can't dispute that like you can with a credit card purchase ... but disputing a charge on a credit card could also be a tough go, I would think.

                    By the way, you are saying people can currently use a credit card to buy lottery tickets in PA ... I never knew that. Who would pay the charge fee? ... the merchant, the Lottery or the person buying the ticket?

                    For example, would a $1.00 ticket cost $1.10 at the time of purchase?

                    Too complicated with pitfalls.

                    CW

                    It's no different than using a debit/credit card at the pump for purchasing gas or any other type of purchase in a store. Did you know that lots of now stores have self serving checks-outs?

                    And some offer "cash back" with no extra charge.

                      LiveInGreenBay's avatar - driver
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                      Posted: November 2, 2015, 4:31 am - IP Logged

                      We can't use credit cards for lottery in Wisconsin.  That's probably a good thing.

                      Never give up.  Banana

                        zinniagirl's avatar - flower avatar_0026.jpg
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                        Posted: November 2, 2015, 7:10 am - IP Logged

                        Coming from a state with pay at the pump lottery tickets and having done it to be able to answer questions.

                        real life experience.

                        fisrt step at pump after you determine method of payment is to choose purchase of lottery tickets, yes or no

                        second step is lottery type, ie powerball, mm, or state lottery. You only get three or four choices.

                        step three choose amount to buy. Usually limited to $20 max.  Depends on limit set by your state. Also has limit of how many you can purchase a week using that card.

                        step four, choosing phone texting of numbers or not. Highly encourage this, as station employees dont always have time to refill receipt paper. 

                        Step five complete purchase of tickets by purchasing fuel. At this point your ticket prints out. It is not a real ticket. The numbers are attached to you credit/debit card.  Dont lose it!!! If you won the big prize andlost your card, you are out of luck....

                        have done this. Have won small prize as well.  It is immediately deposited bavk into your account next business day. 

                        Like the ease of it.   If not careful could spend more than my budget allows due to the ease but must be able to put gas in car.

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                          Posted: November 2, 2015, 7:54 am - IP Logged

                          Coming from a state with pay at the pump lottery tickets and having done it to be able to answer questions.

                          real life experience.

                          fisrt step at pump after you determine method of payment is to choose purchase of lottery tickets, yes or no

                          second step is lottery type, ie powerball, mm, or state lottery. You only get three or four choices.

                          step three choose amount to buy. Usually limited to $20 max.  Depends on limit set by your state. Also has limit of how many you can purchase a week using that card.

                          step four, choosing phone texting of numbers or not. Highly encourage this, as station employees dont always have time to refill receipt paper. 

                          Step five complete purchase of tickets by purchasing fuel. At this point your ticket prints out. It is not a real ticket. The numbers are attached to you credit/debit card.  Dont lose it!!! If you won the big prize andlost your card, you are out of luck....

                          have done this. Have won small prize as well.  It is immediately deposited bavk into your account next business day. 

                          Like the ease of it.   If not careful could spend more than my budget allows due to the ease but must be able to put gas in car.

                          ZG ... so you already have the system in place ... thanks for the additional information. So there is a limit on how many tickets can be bought at one time or on the card every week.

                          That would make it impossible, at least in NC ... to go crazy and spend thousands of dollars on lottery tickets for a big jackpot game ... unless the jackpot carries over for weeks or months.

                          I will still walk inside to get my tickets and use cash ... I will have that ticket in my hand.

                          ...

                            psykomo's avatar - animal shark.jpg

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                            Posted: November 2, 2015, 8:56 am - IP Logged

                            Coming from a state with pay at the pump lottery tickets and having done it to be able to answer questions.

                            real life experience.

                            fisrt step at pump after you determine method of payment is to choose purchase of lottery tickets, yes or no

                            second step is lottery type, ie powerball, mm, or state lottery. You only get three or four choices.

                            step three choose amount to buy. Usually limited to $20 max.  Depends on limit set by your state. Also has limit of how many you can purchase a week using that card.

                            step four, choosing phone texting of numbers or not. Highly encourage this, as station employees dont always have time to refill receipt paper. 

                            Step five complete purchase of tickets by purchasing fuel. At this point your ticket prints out. It is not a real ticket. The numbers are attached to you credit/debit card.  Dont lose it!!! If you won the big prize andlost your card, you are out of luck....

                            have done this. Have won small prize as well.  It is immediately deposited bavk into your account next business day. 

                            Like the ease of it.   If not careful could spend more than my budget allows due to the ease but must be able to put gas in car.

                             Psyko still waiting for them to start selling Lottery & Pot on my account cause my CC's are maxxed OUT  Thud

                            but it just can't get no BUTTER for those who can afford "it" don't you think? Aggressive & Progressive great!

                            Now Listen to Psyko I saye,,,,,,,,yea-aa

                            We work hard, so hard all Day long OK

                            Everything I try to do turns out wrong

                            That's why I want to stop buy the ole

                            gas pump on my way home and bet long

                            Get a QP & Pot me up and then you know

                            We got a few pennies left,,,,,,,,,,yea--aa

                            LET'$$$ GO GET STONED again!!!!Thud   

                              HoLeeKau's avatar - YheaShea
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                              Posted: November 2, 2015, 11:11 am - IP Logged

                              ZG ... so you already have the system in place ... thanks for the additional information. So there is a limit on how many tickets can be bought at one time or on the card every week.

                              That would make it impossible, at least in NC ... to go crazy and spend thousands of dollars on lottery tickets for a big jackpot game ... unless the jackpot carries over for weeks or months.

                              I will still walk inside to get my tickets and use cash ... I will have that ticket in my hand.

                              ...

                              That would make it impossible, at least in NC ... to go crazy and spend thousands of dollars on lottery tickets for a big jackpot game ...

                              No, it wouldn't make it impossible.  If these people want to spend thousands on credit cards, they'll just write a convenience check or get a cash advance.  Very simple, very easy.