Why did my Canadian card decline?

Canadian banks and gambling merchant codes — and how to fix a decline.

Part of the Spinboss casino help centre — everything a Canadian player needs to know about the site, in plain language.

RBC, TD, BMO, Scotia and CIBC all block "merchant category code 7995" (gambling) by default. It's not a SpinBoss issue — it's a Canadian banking reflex. You have three options:

1. Call your bank

Ask to authorize the merchant "SPINBOSS" or lift the gambling block. Most banks will do it immediately for 24 hours or permanently.

2. Switch to Interac e-Transfer

Interac uses a direct bank-to-bank rail that bypasses MCC filters. Fastest, cleanest option for Canadian players.

3. Use crypto or MuchBetter

Neither touches your card issuer. Crypto is instant; MuchBetter wallet tops up via Apple Pay / Google Pay in seconds.

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