Credit Cards

Credit Cards Horse Betting

OffTrackBetting.com accepts VISA, MasterCard & Discover credit card deposits for online horse racing & greyhound wagering.

Bet Horse Racing with VISA, MasterCard & Discover Credit Cards & Debit Cards

Fund your OTB account quickly and securely with Credit Cards and Debit Cards! OffTrackBetting.com offers horseplayers the ability to fund their wagering account via credit or debit card instantly using VISA, MasterCard & Discover.

  • Deposit with Credit Card or Debit Card
  • MasterCard, Discover & VISA accepted
  • Deposit is instantly credited to your OTB account

OTB Credit Card Funding


  1. Log in to your OffTrackBetting.com Account.
  2. Click "Deposit" or "Fund" and then select Credit/Debit Card as your deposit method.
  3. Enter your requested deposit amount, and note the following:
    • OTB charges a 4.5% transaction fee (minimum $5) for each deposit.
    • Your card issuer may charge additional fees.
    • All deposits made from your card are credited BACK to your card when making a withdrawal. When you request a withdrawal, funds will first be credited back to your card and any remaining balance will be sent via check/ACH.
  4. Proceed as directed to enter your credit card billing information. Successful transactions are credited immediately to your OTB wagering account.

Credit Card / Debit Card FAQs

  • Merchant Services
    Yes. OTB uses Authorize.net to complete your credit/debit card transaction. Your card details are sent directly to Authorize.net's secure, encrypted servers to process your transaction. OTB does not intercept, store, or otherwise view your sensitive credit/debit card details.
Credit Card deposits are instant, provided they are approved by your card issuer.
Yes, there is a convenience fee of 4.5% ($5 minimum) applied to Credit/Debit card deposits to your OffTrackBetting account.
Yes, there is a maximum of: $500 per transaction, $500 per rolling 24 hour period, $500 per rolling 7 day period and $2,000 rolling 30 day period.
Yes, however our limits apply to your account, not per card.
For greater protection against fraud, when you request a withdrawal, we will first credit back to your card up to 100% of any deposits made with a credit card. Remaining funds will be sent to you via ACH or check by mail. In the event you've deposited with more than one Credit/Debit Card, we will attempt to credit back to each card you've used.
We endeavor to process credits back to your card in a timely manner, however it may take up to 10 business days to process. Additionally it could take up to 45 days for your bank to reflect the credit on your credit card billing statement.
We are unable to disclose reasons for a decline. You can try your deposit again, try an alternate card instead, or check with your issuing bank for any detail they may be able to share.
If you received a transaction declined message, rest assured we are not going to process a transaction on that card. When attempting to charge your card, our system performs an Authorization to first check if funds are available. If the transaction completes successfully, the Authorized amount will be charged. If the transaction is declined, your issuing bank will show the Authorization amount as reserved or unavailable against future purchases, for a period of time. OTB will not proceed with the transaction in the event of a decline, but it's up to your issuing bank to release the held Authorization amount.
Horse Betting Deposit Methods

OTB Schedule - Thursday, Sep 29

Race Tracks Time (EST)
Australia A 9:50 PM
Australia B 10:30 PM
Australia C 11:27 PM
Belmont Park 1:29 PM
Belterra Park 1:29 PM
Charles Town 7:00 PM
Charlottetown 6:30 PM
Daytona Beach Mat 1:04 PM
Dayton Raceway 6:15 PM
Evangeline Downs 6:35 PM
Finger Lakes 1:09 PM
Flamboro Downs 6:00 PM
Freehold Raceway 12:34 PM
Harrahs Philly (Chester) 12:39 PM
Harrington Raceway 5:00 PM
Jacksonville Eve 7:45 PM
Lone Star Park 7:35 PM
Mohawk 7:30 PM
Monmouth at Meadowlands 7:00 PM
Monticello Raceway 12:49 PM
Palm Beach Mat 12:59 PM
Penn National 6:00 PM
Plainridge 12:59 PM
Presque Isle 5:25 PM
Red Mile 7:00 PM
Remington Park 8:07 PM
Rideau Carleton 6:30 PM
Rosecroft Raceway 6:40 PM
Sanford Mat 1:30 PM
Saratoga Harness 4:00 PM
Southland Mat 5:00 PM
Tri-State Eve 7:00 PM
Vernon Downs 6:45 PM
Yonkers Raceway 7:10 PM

OTB Cash Rewards

Make your Greyhound Racing & Horse Racing wagers count even more! Earn daily OTB Cash Rewards at many Thoroughbred, Harness and Greyhound racetracks.
  • Easy to understand rate schedule
  • No confusing point conversion programs
  • Use to wager or withdraw as cash

Horse Betting News