There are more than half a dozen PA Lottery payment methods, including ACH e-Checks, bank cards, and PayPal. In total, there are six banking options for depositing funds, but only three methods for withdrawals.
We'll break down every deposit and withdrawal method at the PA iLottery below, and detail minimum/maximum amounts as welel as fees and processing times.
Contents
- 1 PA Lottery Deposit Methods
- 2 PA Lottery Withdrawal Methods
- 3 How to Get Started with PA Lottery Online
- 4 How to Deposit Money at the PA Lottery Online
- 5 How to Withdraw Money from the PA Lottery
- 6 PA Lottery Payment Processing Times & Common Delays
- 7 Buying Lottery Tickets at PA Lottery Retail Locations
- 8 Responsible Gaming Tools at PA Lottery
- 9 PA Lottery Payment Methods | FAQs
PA Lottery Deposit Methods
Players can deposit funds at the Pennsylvania Lottery online via debit/credit card, PayPal, ACH, and Play+. Users can also purchase vouchers at retail stores and deposit funds via WebCash.
The minimum deposit is $10 across the board. However, some PA Lottery deposit methods, such as VIP Preferred, debit cards, and PayPal, allow for unlimited deposits per day.
| Deposit Method | Min. Deposit | Max. Deposit | Fees | Processing Time |
| Debit Card | $10 | Unlimited | $0 | Instant |
| WebCash | $10 | $1,000 per transaction | $0 | Instant |
| ACH/e-Check VIP Preferred | $10 | Unlimited | $0 | Instant |
| PayPal | $10 | Unlimited | $0 | Instant |
| Play+ | $10 | $25,000 | $0 | Instant |
| Credit Card | $10 | $1,000 per 24 hours | $0 | Instant |
PA Lottery Withdrawal Methods
There are only three PA Lottery withdrawal methods, and you can only cash out up to $2,500 via your online wallet, app, or at retail stores. For winnings above $600.01, a 3.07% Commonwealth tax and 24% federal tax are deducted when you claim your prize. You may be required to withdraw funds back to the PA Lottery deposit methods you have used and collect a W-2G form.
| Withdrawal Method | Min. Withdrawal | Max. Withdrawal | Fees | Payout Period |
| ACH/e-Check VIP Preferred | $10 | Unlimited | $0 | 8-13 business days |
| PayPal | $10 | $10,000 | $0 | 8-13 business days |
| Play+ Account | $10 | $25,000 | $0 | Instant up to 24 hours |
How to Get Started with PA Lottery Online
To get started with the PA Lottery, you must first create an account by joining the VIP Players Club. The whole process takes about two minutes tops:
- Visit the website or download the PA iLottery app.
- Click ‘Join', then enter your email and password.
- Enter the PA Lottery bonus code LOTTOPA.
- Fill in your personal details, including name, address, and date of birth.
- Submit your registration.
Once your account is set up, you will need to verify your email address. The same goes for identity verification, in which you may be asked to upload a scan of your driver's license and SSN. From here, you can set up PA Lottery payment methods like your Play+ account and deposit a minimum of $10.
How to Deposit Money at the PA Lottery Online
As with signing up for a VIP Players Club account, making PA Lottery deposits is extremely easy. Here's the general process:
- Make sure you are signed into your VIP Players Club account.
- Go to the ‘Cashier' page under My Account.
- Choose your preferred PA Lottery deposit method.
- Enter your deposit amount and follow the prompts.
All PA Lottery deposits process instantly, except for bank verification on first-time ACH transfers.
How to Deposit with ACH e-Check VIP Preferred
ACH transfers connect directly to your checking or savings account. Enter your bank account number and ABA routing number to enroll in VIP Preferred. A seven-day revolving limit applies based on your banking status. This method applies to both PA Lottery deposits and withdrawals.
How to Deposit with a Play+ Account at the PA Lottery
You must first set up your PA Lottery Play+ account. It'll provide some level of protection and anonymity. Sign up through the Cashier page by selecting ‘Deposit' under Play+. Once set up, you can upload funds from your bank account, debit, or credit card.
You can also request your Play+ card, and it will arrive at your door within approximately 10 days. You can withdraw funds at any ATM and use your card wherever Discover is accepted. The maximum account balance is $25,000.
How to Deposit via WebCash
WebCash vouchers offer a cash-friendly option. Visit any Pennsylvania Lottery retailer and buy WebCash from vending machines or the counter. You can purchase WebCash vouchers for amounts ranging from $10 to $1,000 at a time. This way, you can use the unique number to add funds to your online wallet.
How to Make PayPal Deposits
Link your PayPal account through the Cashier page. Your PayPal account must be connected to a bank account, not a credit or debit card. The email on your PayPal account must match your PA iLottery email. Only your verified PayPal balance gets used for transactions.
How to Withdraw Money from the PA Lottery
You can claim winning ticket prizes of up to $2,500 directly into your PA iLottery online wallet. The same goes for withdrawals at a retail location. Thankfully, making a withdrawal from your online wallet is just as easy as at the cashier's desk.
Unfortunately, the PA Lottery withdrawal methods are pretty limited. You can cash out to your Play+ account, where you can spend or withdraw at an ATM using your Play+ card. The minimum withdrawal is $10 across the board, including via PayPal and ACH e-checks for VIP Preferred accounts.
The processing period for most PA Lottery withdrawals is advertised as 3 to 5 business days. However, in practice, this is mostly instant or within the day during weekdays.
PA Lottery Payment Processing Times & Common Delays
Is your PA Lottery deposit or withdrawal not going through? Let's walk you through some of the reasons why it could be pending, delayed, or declined:
Why is my PA Lottery Deposit Showing as Pending?
If your first ACH e-check deposit is pending, the chances are that your bank is still conducting some verifications. If you deposit over $1,000 per day using your credit card, it may be declined or displayed as ‘Pending'. The same applies if you have not completed the KYC process.
Common Reasons for Withdrawal Delays
If your PA Lottery withdrawals are delayed, chances are you have:
- Not verified your account
- You have not provided ID documents
- The email on file and PayPal are not the same
- There's a backlog of withdrawal requests
Verification Requirements
ACH requires bank statements or voided checks with visible account information. Debit and credit cards need clear photos showing your name, expiration date, and last four digits. Block out the first 12 digits and CVV codes. WebCash and Play+ don't require additional documentation.
What to Do if Transactions Are Stuck
Check your Transaction History under ‘My VIP'> ‘Account Statement'. For pending withdrawals, you can cancel and resubmit after addressing verification issues. Contact customer support at 1-800-692-7481 for help with stuck transactions. They can review your account status and provide specific guidance.
Buying Lottery Tickets at PA Lottery Retail Locations
Retail stores offer an alternative way to play, complementing online options. Visit any authorized Pennsylvania Lottery retailer to purchase tickets.
Cash and Debit Options at Authorized Retailers
Pay with cash or card at any retailer counter. Inform the team member of the game you would like to play. Choose QuickPick for randomly generated numbers or fill out a coupon with your preferred numbers. You must be 18 years or older and may be required to show identification.
Claiming Smaller Prizes In-Store
Prizes up to $2,500 can be claimed at Pennsylvania Lottery retailers. Many locations pay immediately by cash, check, or money order. If one retailer can't pay, try another location. Prizes over $2,500 require filing a claim form with the Lottery by mail or at an Area Office.
Responsible Gaming Tools at PA Lottery
PA Lottery provides several tools to help players stay in control. The platform is certified by the Council on Compulsive Gambling of Pennsylvania and works with the Pennsylvania Compulsive Gambling Helpline.
Access Responsible Gambling from your My Account tab. Set session time limits, deposit limits, or spending limits as needed. Review your account statement regularly to keep track of your activity. These limits apply only to online games, not retail purchases.
Problem Gambling Resources
The PA Lottery has been hard at work to provide a range of resources to help players stay on top of their lottery gaming. Here are the top channels for getting problem gambling help:
Get help through these channels:
- Call 1-800-GAMBLER (1-800-426-2537)
- Text support at 248-648-3363
- Live chat through the PA Lottery app or site
- Set Cool-off periods lasting 3 to 30 days to keep yourself in check
PA Lottery Payment Methods | FAQs
Why is my PA Lottery purchase pending?
Most pending purchases are due to hitting daily purchase limits. In some cases, your PA Lottery deposits may be undergoing bank or KYC verification.
How long until my PA Lottery withdrawal arrives?
Play+ withdrawals are usually cleared within the hour, if not instantly. That's especially true of payouts under $600. Other PA Lottery withdrawals may take anywhere from 5 to 13 business days.
What if my PA Lottery transaction fails?
If you're stuck, the next best bet is to choose a different option from the available PA Lottery withdrawal methods. If everything is on but you still can't get through, call support at 1-800-692-7481 for help.
Can I cancel a PA Lottery withdrawal?
Yes. You can cancel any transaction marked as ‘Pending Withdrawals' in your Transaction History. Review your Account Statement under the My VIP section.