One cash balance, one set of rules. How deposits work, what promo credits can and cannot do, the play-through requirement, and how fast withdrawals actually land.
Payday Fantasy · Product
Payday Fantasy holds your money in your Main Wallet: real money you have deposited or won, and the only balance you can withdraw. Your promo credits, in the Promos tab, come from promotions. They cover entry fees but can't be cashed out. Almost everything else about the wallet follows from that split.
The minimum deposit is $5. You can deposit with a debit or credit card (Visa, Mastercard or Discover), Apple Pay, Google Pay, Cash App, a bank transfer (Pay by Bank or ACH) or Bitcoin and other crypto, and the payment method has to be in your own name and match your verified identity. Bank deposits through Pay by Bank support checking accounts only.
Payday charges no deposit fee (your bank or card issuer may charge its own fees). Deposits usually credit instantly, though funds can take one to three business days to fully clear depending on the method. You need to complete identity verification before any cashier feature opens up, including that first deposit.
1 promo credit covers $1 of an entry fee on MAX entries. Opt in on the Promos tab and your credits land right away. Pick them under Use a Promo on your MAX entry slip. They can't be used on Survivor, Decks, Marketplace copies, fades or remixes, or same-game entries. There's no minimum multiplier, and 2-pick entries are capped at 10x. A win pays the payout minus the credits used to your Main Wallet. Promo credits expire at the date and time shown (7 days unless stated) and can't be withdrawn. Bonus cash issued before October 15, 2026 works under its old rules until January 15, 2027.
Promo credits arrive from the welcome offer, deposit matches, referrals, Protected Play refunds and Marketplace commissions. Daily Drops and Marketplace actions use Main Wallet funds only.
Deposits must be played through once before they can be withdrawn, and only entries placed from your Main Wallet count toward it. Bonuses don't add to the requirement: deposit $100 and you need $100 in qualifying entries.
Here's how entries count toward play-through (see the Play-Through Policy for full details). For MAX entries, at 2x or more the full entry amount counts, win or lose; under 2x it counts only when it loses. For FLEX entries, if the all-correct multiplier is 2x or more the full entry amount counts; under 2x, only the amount lost counts when it pays back less, and an outright loss counts in full. Legacy bonus cash still needs every pick at 1.75x or higher.
The minimum withdrawal is $10, in whole dollars, from your Main Wallet. You can make more than one withdrawal request, up to $1,000 in total in any rolling seven-day period.
Withdrawals are paid instantly after approval. Every withdrawal request is reviewed for identity and anti-money-laundering checks (KYC/AML) within 24 hours, and often much faster. Requests submitted before 9am ET go out in that morning's main batch; after 9am, requests are processed in the order received. Once approved, you choose a payout method: instant bank transfer, debit card, Cash App or standard ACH. The transfer to you is instant, and arrival depends on the method: instant bank transfer and debit card usually within minutes, Cash App straight to your Cash App balance, and ACH 1–2 business days. Payday charges no withdrawal fee on any method (your bank or card issuer may charge its own fees), and credit cards cannot be used for payouts.
A withdrawal is not finished until you choose a payout method and confirm it in the cashier. An approved request stays active for up to five days.
Identity verification is a legal requirement rather than a Payday preference, which is why the cashier stays locked until it is done. Withdrawals also have to go to an account in the same name as your verified account.
$5, with no Payday deposit fee. Entries start at $1.
No. A deposit has to be played through once, using Main Wallet entries, before it can be withdrawn.
No. Promo credits and legacy bonus cash can't be cashed out. Winnings from your entries go to your Main Wallet, which you can withdraw.
From $10 per request, in whole dollars, up to $1,000 in total in any rolling seven-day period.