Promotion

Protected Play

For eligible players

Protected Play gives eligible players a safety net on one cash MAX entry: if it loses, the entry amount comes back as promo credits, up to the cap on the offer. Freaky Friday is the Protected Play on Fridays.

Check your Promos tab

How to use it

  1. Sign up

    Create your free Payday Fantasy account in seconds.

  2. Opt in and use it

    On the Promos tab, tick “I opt in to the promotion and agree to its terms.” and tap Opt In. Then pick it under Use a Promo on the cash MAX entry it describes, before you submit.

  3. Start playing

    Pick MORE or LESS on player stat lines. Winnings are paid instantly after approval.

How Protected Play works

  • A Protected Play is one qualifying cash MAX entry with a safety net.
  • If it loses, the entry amount comes back as promo credits, up to the cap on the offer. If it wins, you're paid as normal.
  • Each Protected Play shows its own rules in the Promos tab: how much is protected, the entry type and number of picks it needs, and its use-by date. Protected Play can't be used on same-game entries.
  • Pick it under Use a Promo on your entry slip before you submit. It can't be added after.

Freaky Friday

Freaky Friday is a Protected Play for eligible players on Fridays. From 3:00 a.m. ET Friday to 3:00 a.m. ET Saturday, make a MAX entry from your Main Wallet, any entry amount, with a total multiplier of 10x or under. Every game must start in that window. If it loses, get up to 10 promo credits back. Opt in on the Promos tab and pick it under Use a Promo. One per person, household, or device. Terms apply.

Who can get them

Protected Play is for eligible players, so not every account sees the same offers. Who can play: US residents 18+ (19+ in Nebraska), physically located in an eligible state when entering paid contests. One per person, household, or device per promo. 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.

Check your Promos tab
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Protected Play: 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.
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.
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.

One per person, household, or device. Terms apply. All promotions are subject to their respective terms and conditions. Eligibility, requirements, and promotional terms may vary by offer. Please review the applicable terms before participating.

Terms and conditions apply. Must be 18+ (19+ in Nebraska) and located in an eligible state. Responsible gaming.

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