What promos does Payday Fantasy offer?

New players get a Welcome Bundle: a Protected Play on their first entry plus a 100% Deposit Match up to 100 in Promo Credits. Refer a friend and you get 20 promo credits when they make a deposit of $10 or more. Eligible players may also see Protected Play, Payout Boost and Free Entry offers in their Promos tab. 1 promo credit covers $1 of an entry fee. One per person, household, or device. Terms apply.

How fast are Payday Fantasy payouts?

Paid instantly after approval. Winnings are added to your balance as soon as an entry settles, typically 10–20 minutes after a game ends. 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, 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. Deposits must be played through once before they can be withdrawn.

What is the difference between MAX and Flex?

MAX pays only when every pick hits, and carries the higher multiplier. Flex still pays if you miss exactly one pick, at a reduced multiplier. Same picks, different structure — you choose before you submit.

Is Payday Fantasy legit?

Yes. Payday Fantasy is a real-money daily fantasy app running skill-based pick'em contests in 23 states and Washington DC, for US residents 18 and older (19 in Nebraska). Every player's identity and location are verified before they can deposit, withdrawals are paid instantly after approval, and Payday charges no fees on deposits or withdrawals (your bank or card issuer may charge its own). Payday holds 4.6 stars from 747 ratings on the App Store as of October 2026, with players most often praising fast payouts and support.

What are promo credits?

Promo credits are what Payday rewards are paid in. 1 promo credit covers $1 of an entry fee on a MAX entry. They have no cash value and can't be withdrawn. If an entry made with them wins, you get the payout minus the credits used, paid to your Main Wallet.

How do I use a promo?

On the Promos tab, tick “I opt in to the promotion and agree to its terms.” and tap Opt In. Then pick the promo under Use a Promo on your MAX entry slip before its use-by date. One promo per entry. Promos can't be used on same-game entries.

Do promo credits expire?

Yes. Each grant shows its expiry date and time, which is 7 days after it's issued unless the offer says otherwise, and never more than 30 days. Expired credits can't be reissued.

What happened to bonus cash?

Since October 15, 2026, new rewards are paid in promo credits. Bonus cash you already hold keeps working under its old rules until 11:59 p.m. ET on January 15, 2027, then any unused bonus cash expires.

Deposit Match — In promo credits

How to get it

Sign up
Create your free Payday Fantasy account in seconds.
Opt in, deposit, play
On the Promos tab, tick “I opt in to the promotion and agree to its terms.” and tap Opt In. Then make your first deposit. Your match lands as promo credits. Pick them under Use a Promo on your MAX entry slip.
Start playing
Pick MORE or LESS on player stat lines. Winnings are paid instantly after approval.

How the deposit match works

Your match is paid in promo credits. 1 promo credit covers $1 of an entry fee. The amount is shown on the offer in your Promos tab.
Promo credits work on MAX entries with no minimum multiplier. 2-pick entries are capped at a 10x payout.
If your entry wins, you get the payout minus the credits used, paid to your Main Wallet. Credits expire at the date and time shown (7 days unless stated).
Your first deposit needs a quick identity check: a photo ID and a selfie.

Good to know before you deposit

Deposit with Visa, Mastercard, Discover, Apple Pay, Google Pay, Cash App, Pay by Bank or Bitcoin.
Your deposit must be played through once in qualifying Main Wallet entries before you can withdraw. Promo credits don't add to it.
Winnings are paid instantly after approval.
You can set deposit limits any time in your account settings.

Who can get it

Who can play: US residents 18+ (19+ in Nebraska), physically located in an eligible state when entering paid contests. First deposit only. One per person, household, or device. Terms apply.

Ready to play?

Download the app or play on the web. US residents 18+ (19+ in Nebraska), physically located in an eligible state. One per person, household, or device. Terms apply.

Get your deposit match

Deposit Match: Frequently Asked Questions

What promos does Payday Fantasy offer?: New players get a Welcome Bundle: a Protected Play on their first entry plus a 100% Deposit Match up to 100 in Promo Credits. Refer a friend and you get 20 promo credits when they make a deposit of $10 or more. Eligible players may also see Protected Play, Payout Boost and Free Entry offers in their Promos tab. 1 promo credit covers $1 of an entry fee. One per person, household, or device. Terms apply.
How fast are Payday Fantasy payouts?: Paid instantly after approval. Winnings are added to your balance as soon as an entry settles, typically 10–20 minutes after a game ends. 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, 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. Deposits must be played through once before they can be withdrawn.
What is the difference between MAX and Flex?: MAX pays only when every pick hits, and carries the higher multiplier. Flex still pays if you miss exactly one pick, at a reduced multiplier. Same picks, different structure — you choose before you submit.
Is Payday Fantasy legit?: Yes. Payday Fantasy is a real-money daily fantasy app running skill-based pick'em contests in 23 states and Washington DC, for US residents 18 and older (19 in Nebraska). Every player's identity and location are verified before they can deposit, withdrawals are paid instantly after approval, and Payday charges no fees on deposits or withdrawals (your bank or card issuer may charge its own). Payday holds 4.6 stars from 747 ratings on the App Store as of October 2026, with players most often praising fast payouts and support.
What are promo credits?: Promo credits are what Payday rewards are paid in. 1 promo credit covers $1 of an entry fee on a MAX entry. They have no cash value and can't be withdrawn. If an entry made with them wins, you get the payout minus the credits used, paid to your Main Wallet.
How do I use a promo?: On the Promos tab, tick “I opt in to the promotion and agree to its terms.” and tap Opt In. Then pick the promo under Use a Promo on your MAX entry slip before its use-by date. One promo per entry. Promos can't be used on same-game entries.
Do promo credits expire?: Yes. Each grant shows its expiry date and time, which is 7 days after it's issued unless the offer says otherwise, and never more than 30 days. Expired credits can't be reissued.
What happened to bonus cash?: Since October 15, 2026, new rewards are paid in promo credits. Bonus cash you already hold keeps working under its old rules until 11:59 p.m. ET on January 15, 2027, then any unused bonus cash expires.

How to get it

Sign up

Opt in, deposit, play

Start playing

How the deposit match works

Good to know before you deposit

Who can get it

Ready to play?

Deposit Match: Frequently Asked Questions