Casino Without Swedish Licence: UKGC Oversight Explained

Updated October 2026
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Casino Without Swedish Licence: UKGC Oversight Explained
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Contents

This guide distinguishes overseas licensing from UKGC supervision and explains the limits of licence claims, safeguards and payment arrangements.

What “Non-UK-Regulated” Actually Means

A non-UK-regulated casino is an online gambling site that operates without oversight from the UK Gambling Commission. The phrase describes the regulator whose supervision is absent; it does not, by itself, say whether the operator holds a licence elsewhere. Some sites may have a licence from another jurisdiction. Others may make a licensing claim that needs to be understood on its own terms.

That distinction matters because “foreign” and “unregulated” are not synonyms. A casino can be based outside the United Kingdom and still be supervised by a regulator in the place that issued its licence. Equally, a licence from another country is not a UK Gambling Commission licence. The regulator’s name and the location of its authority identify different things: one describes where the operator is overseen, the other where it is not.

In Britain, the UK Gambling Commission is the body associated with regulating gambling operators serving the market. A site outside its oversight sits beyond that particular system, even if another authority has issued a licence. The label “non-UK-regulated” is therefore more precise than “unlicensed” when the question is specifically about UKGC supervision. It avoids mistaking the absence of one regulator for the absence of all licensing.

A licence has a jurisdiction attached

Non-UK-regulated casinos are often licensed by jurisdictions such as Malta, Curaçao, Gibraltar or Anjouan. These names refer to places whose authorities may issue gambling licences. They are not alternative names for the UK Gambling Commission, nor do they make a casino UK-regulated.

The word “licensed” can sound complete, as though it settles every question about a business. In practice, it identifies a relationship between an operator and a particular licensing authority. The jurisdiction matters: a licence issued by one authority is not interchangeable with a licence issued by another. The country or territory named in a casino’s licensing claim is part of the claim, not decoration.

This is why descriptions such as “international casino” can blur more than they clarify. A site may serve customers in several countries, but its licensing status still depends on the authority it names and the oversight that authority provides. “Non-UK-regulated casino” keeps the focus on the relevant distinction: the UK Gambling Commission is not the regulator overseeing the site.

Casino Safety and Access: Licences, ID and Gamstop

Nor does “without a UK licence” necessarily mean that a site has no licence at all. It may mean that the operator claims a licence from Malta, Curaçao, Gibraltar or Anjouan instead. Conversely, a foreign address or a polished presentation does not establish which authority, if any, is responsible for the operator. The label alone cannot settle that question.

The meaning of the label

Terms such as “casino without a UK gambling licence” and “online casino without a UKGC licence” are commonly used to describe sites outside the UK Gambling Commission’s supervision. They are not distinct categories of casino. The variation lies in how people describe the same central point: the site is not overseen by the UK regulator.

“Non-UK-licensed casino” can be less exact. It may suggest that no licence exists anywhere, when the intended meaning is often simply that the operator does not hold a UK Gambling Commission licence. “Foreign casino without a UK licence” carries the same ambiguity: foreign describes the relationship to the UK, while licensing describes the authority responsible for the operator. Keeping those ideas separate makes the terminology less slippery.

The distinction also explains why a search for a “new casino without a UK licence” does not identify a single type of operator. “New” describes when a site has appeared; “without a UK licence” describes its position in relation to the UK regulator. Neither phrase reveals, by itself, whether another jurisdiction has licensed it. A site’s age is not a regulatory category.

The word “best” adds another layer of judgement but does not alter the meaning of the licensing description. A ranking label cannot turn a casino outside UKGC oversight into one supervised by the Commission. The underlying category remains about regulatory location, not quality.

There is a small but consequential difference between a licence existing and a particular regulator having authority over a casino. Online gambling has acquired a vocabulary in which “licensed” can sound like a universal seal. It is not. The jurisdiction named alongside the word is essential to understanding what the claim means.

Non-UK-regulated casinos are often licensed by jurisdictions such as Malta, Curaçao, Gibraltar or Anjouan, but these do not substitute for a UK Gambling Commission licence.

In short, non-UK-regulated casinos are sites beyond UK Gambling Commission oversight; some may be licensed by another jurisdiction, including Malta, Curaçao, Gibraltar or Anjouan. That definition establishes what the term says—and what it does not. A licence elsewhere is not UKGC supervision.

The Legal Boundary: Operators and Players

The central distinction is between the business supplying gambling and the person placing a bet. Under the Gambling Act 2005, the regulatory burden falls on operators who make gambling services available to the British market. A company does not escape that requirement by locating its servers, offices or ownership abroad: serving customers in Great Britain requires a licence from the UK Gambling Commission.

That rule concerns the operator’s authority to serve the market. It does not translate into a matching criminal offence for an individual who uses a gambling service licensed elsewhere. UK law does not expressly forbid British citizens from using gambling services authorised in another country, and a player who gambles on an unlicensed site is not committing a criminal offence under UK law.

Those statements can sound as though they cancel each other out. They do not. The operator may be acting outside the British licensing system while the player’s act of using the service is not itself criminal. One side of the transaction faces a licensing obligation; the other is not automatically prosecuted for crossing the regulatory boundary. That is a difference in legal responsibility, not a declaration that every overseas site is authorised to operate in Britain.

A casino without a UK licence therefore has to be described with care. If it accepts customers in Great Britain without the required UKGC authorisation, it is outside the system that permits operators to serve that market. Its possession of a licence from another jurisdiction does not substitute for the British licence. The foreign regulator’s permission and the operator’s position under British law are separate matters.

Online Casino Sister Sites in the UK: What Links Mean

The boundary is drawn around the supply of gambling services, rather than around the player’s nationality alone. A British citizen’s use of an overseas-licensed site does not, by itself, establish that the operator is entitled to offer services in Great Britain. Nor does the absence of criminal liability for the player turn an unlicensed operation into a licensed one. A useful distinction, if not a particularly comforting one.

There is also a geographical qualification. The Gambling Act 2005 governs gambling in England, Wales and Scotland; Northern Ireland has a separate legal context. “The UK” is often used casually as if one set of rules applied identically throughout, but the legal framework is not quite so tidy. Any assessment of a service must take account of where it is being accessed and which rules apply there.

For players, the practical meaning is narrower than a simple yes or no. The law does not explicitly criminalise using an overseas-licensed gambling service, but that fact should not be mistaken for an endorsement of the operator or a guarantee about the terms of play. The British licensing requirement remains directed at operators serving Great Britain, and an overseas authorisation does not erase it.

Local law and the implications of using an overseas gambling service remain matters for each player to understand. The distinction between operator liability and player liability explains who the Gambling Act targets; it does not make every service operating beyond UKGC oversight equivalent to one licensed for the British market. Two different positions.

Legal Responsibility

While using an overseas-licensed site is not a criminal offence for the player, the operator may be acting outside the British licensing system by serving the market without UKGC authorisation.

Outside UKGC Oversight, Outside Its Safeguards

The difference between a UKGC-regulated casino and a non-UK-regulated casino is not confined to the name on a licence. It changes the protections built into the relationship between a gambling business and its customers. In Britain, responsible-gambling requirements are part of the regulatory system. Outside it, those requirements may be less stringent, and the tools available can depend more heavily on the operator’s own rules.

That distinction matters most when gambling stops feeling recreational. A site may offer some ways to manage play, but their presence, scope and operation should not be assumed to match UK standards. The practical point is not that every non-UK-regulated casino behaves identically; it is that the UKGC’s requirements do not govern it. A familiar-looking account page cannot supply the oversight that is absent behind it.

The same uncertainty applies to personal information. Non-UK-regulated casinos may be subject to less stringent data-protection rules than UKGC-licensed operators. Information supplied during registration or account use therefore sits within a different regulatory framework. This is not proof that an operator will misuse it. It is a reason not to treat a polished website as evidence of equivalent safeguards.

Redress is another dividing line. A player using an offshore casino does not have access to the UK’s Financial Ombudsman Service in relation to that gambling relationship. Nor can a complaint be moved into the UKGC’s customer-protection system simply because the person affected lives in Britain. The regulator’s authority is not a portable service attached to the customer.

Gibraltar Casino Licence for UK Players: What It Means

That leaves the operator’s own complaint process as a central route, but an internal process is not the same thing as independent oversight. The business whose decision is being challenged remains involved in handling the complaint. If the dispute concerns account treatment, terms or a refusal to resolve a problem, the absence of UK routes for redress can make the customer’s position materially weaker.

There is a social choice embedded here. UK rules treat safer gambling as a responsibility shared by the state and the operator, rather than a matter left entirely to individual restraint. A non-UK-regulated casino may apply a different standard. The user may see the same games and a similar interface, while the protections surrounding them are not the same.

This is why “licensed” and “protected” cannot be treated as interchangeable words. A foreign licence may indicate oversight in another jurisdiction, but it does not restore UK-mandated responsible-gambling tools or access to the Financial Ombudsman Service. Nor does it guarantee that data protection matches the UK framework.

The boundary becomes clearest when something goes wrong: the relevant safeguards and complaint routes are those attached to the operator’s regulatory system, not the customer’s location. For a non-UK-regulated casino, that can mean fewer compulsory protections and fewer familiar avenues for challenge. The difference is practical, not decorative.

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Anjouan’s Licence: What It Does—and Does Not—Cover

An Anjouan casino licence has a boundary: it does not authorise an operator to serve the United Kingdom or other markets listed as restricted. The presence of a licence therefore cannot, by itself, turn a non UK regulated casino into an authorised service for British customers. A regulatory document has a territory, and its reach should not be mistaken for a universal passport.

Anjouan Licence Limits

An Anjouan licence does not guarantee independent testing of random number generators, mandated audits, or the segregation of player funds from company money.

That distinction matters because a licence can sound more comprehensive than it is. The name of a jurisdiction on a casino’s website may indicate a formal connection to a regulator, but it does not settle whether the operator may legally serve people in a particular country. Nor does it, on its own, tell a player how the casino’s games are tested or what happens to money held in an account if the business fails.

The framework’s requirements are limited in important ways. It does not require casinos to arrange independent testing of their random number generators, the software that determines game outcomes. It also does not mandate audits or the separation of player funds from the operator’s own money. This is not proof that every operator skips testing, avoids audits or mixes funds. It means those protections are not guaranteed by the framework itself.

The distinction between a practice and a requirement is less dramatic than a licence badge, but more consequential. If testing or an audit is not mandated, the licence alone cannot establish that either has taken place. Any claim about a particular casino’s procedures would need to be considered separately, rather than inferred from the jurisdiction printed in its terms.

The position of player funds is especially stark. An Anjouan casino licence does not guarantee that customer balances are kept apart from company funds. If the operator fails, players are unsecured creditors: they do not have the protection that segregation would provide, and recovery of money may depend on what remains available through the failure process. A displayed balance is not the same thing as safeguarded cash.

MGA-Licensed Online Casinos in the UK: What It Means

For a player weighing a non UK casino, these limits are not technical footnotes. They define what the licence can reasonably be taken to mean. It may represent oversight under Anjouan’s framework, but it does not authorise service in the UK, promise independent game testing or audits, or secure player money against business failure. A licence is a boundary, not a blanket assurance.

A Licence Is a Claim to Verify, Not a Guarantee

A casino outside UKGC regulation may display an Anjouan casino licence as evidence of oversight. That claim needs checking against the public licence entry, rather than accepted from a badge or a line of text on the casino’s own website. The entry should identify the operator behind the site, and its company name should match the name given in the casino’s terms. The licence’s expiry date matters too: a genuine record is not proof of current authorisation if it has expired.

Names are not decorative details here. A licence attached to one company does not automatically establish that a differently named company operating the website is covered by it. Where the public record, the terms and the operator’s own claims do not align, the gap is a reason for caution, not an invitation to guess.

The licence also says little about what happens after a complaint. Under Anjouan’s framework, the operator must respond to complaints within 30 calendar days. But the authority itself does not take up, mediate or decide disputes between a casino and a player. Anjouan-licensed casinos also lack an independent dispute-resolution route comparable to the services approved under UKGC rules.

That distinction is easy to miss. A response deadline is not the same as an independent decision, and a licence is not a promise that a disputed balance will be recovered. If the operator’s answer is unsatisfactory, the player cannot turn to the Anjouan authority to adjudicate the case or use the UKGC’s complaints process for a casino outside its jurisdiction.

Do

Don’t

The practical value of checking a licence is therefore limited but real: it can help establish whether the operator’s claim corresponds to a public record, whether the named company matches, and whether the entry remains current. It cannot settle a dispute in advance. Paperwork has edges.

Not on GamStop: The Missing Safety Net

GamStop is the UK Gambling Commission’s self-exclusion scheme: a way for someone who wants to stop gambling to place a formal barrier between themselves and participating gambling services. The barrier has a defined reach. Casinos outside GamStop are not part of that scheme, so registering with it does not make those casinos subject to the exclusion.

That distinction matters because “self-exclusion” can sound broader than it is. It describes an arrangement between a person and services that participate in it; it is not a universal switch that closes every gambling account connected to the internet. A casino not on GamStop sits beyond the scheme’s boundary. Its absence is not a technical exception within GamStop, but a different relationship to the UK system.

This is particularly relevant to an Anjouan casino. Anjouan-licensed operators are not required to integrate GAMSTOP. A site may therefore present itself as an alternative to UK casino services while offering no connection to the national self-exclusion arrangement. The label “not on GamStop” describes that separation. It does not mean that an exclusion already registered with GamStop will be carried across to the site.

Online Casino No Registration UK: What It Means

Self-exclusion is an unusual kind of consumer protection because it is meant to bind the moment when a person might otherwise change their mind. Its value depends not only on the intention to stop, but on the services recognising that intention. A boundary works only where it is observed. Beyond the participating operators, the same personal decision may have no equivalent system enforcing it.

That is why the phrase “online casino not on GamStop” can be read in two ways. For some, it is simply a description of a site outside the scheme. For someone relying on self-exclusion to avoid gambling, it signals a gap: the scheme does not extend to that casino. The gap is not repaired by a different licence name, a familiar-looking website, or the fact that a service accepts customers in Britain. Those details do not make it part of GamStop.

The same point applies to broad lists of casinos outside the scheme, including lists framed as the best non-GamStop casinos. A ranking can make the distinction feel like a matter of preference, as if the central question were which site has the most appealing features. But for anyone who has chosen self-exclusion, participation in the scheme is not a decorative feature. A casino outside it cannot provide that particular barrier through GamStop, however prominently it advertises other features.

The language around these sites can also blur different regulatory labels. A Malta- or Curaçao-licensed casino may be outside GamStop, just as an Anjouan-licensed casino may be. But “not on GamStop” does not identify a single licensing system, nor does a licence from another jurisdiction establish participation in the UK scheme. The relevant fact for self-exclusion is narrower: the casino is not part of GamStop. Anjouan’s rules make the separation especially explicit by not requiring integration.

GamStop Boundary

Registering with GamStop only creates a barrier with participating services; it does not automatically extend to non-UK-regulated casinos or those licensed in Anjouan.

Promotions do not change that position. A non-GamStop casino bonus, for instance, is an offer attached to the operator’s own account and terms; it does not turn the casino into a GamStop participant. Nor does a welcome message or a prominent account setting amount to the same thing as exclusion through the UK scheme. These are separate matters, and treating them as interchangeable can obscure what protection is actually in place.

For people who have not self-excluded, the phrase may appear to describe a category of gambling site. For people who have, it describes something more consequential: a service beyond the system they used to restrict access to participating casinos. That does not establish that every such service behaves in the same way, but it does establish that GamStop itself is not the mechanism governing access there.

Anyone considering gambling with a service outside the UK system remains responsible for checking the laws that apply locally and understanding the implications of using an overseas gambling service. In the case of self-exclusion, the immediate implication is plain. A GamStop registration does not extend to casinos that are not in the scheme, and Anjouan-licensed casinos need not join it.

A boundary, not a blanket.

How Offshore Deposits and Payments Can Work

Payment options at a non-UK-regulated casino may look familiar at first: credit cards, e-wallets, bank transfers and cryptocurrency can all appear in the cashier. The difference may lie behind the button. Some operators use alternative processors, so the company name shown on a card statement or payment page may not match the casino brand. A familiar method, then, does not necessarily mean a familiar chain of responsibility.

Credit-card funding carries a particular complication in Britain, where gambling deposits by credit card are banned at UK-licensed operators. Cryptocurrency can bypass that restriction because the payment is not made with a credit card. That technical distinction should not be mistaken for endorsement or protection: using a different rail changes how money reaches an account, not the standards governing the casino.

E-wallets and bank transfers offer other routes, but their availability depends on the operator and the processors it can use. A cashier can list a method that is unavailable to a particular customer, or present options that change over time. The payment screen is therefore part of the operator’s practical terms, not a reliable map of the wider market.

Less conventional routes have also been described. A specialist review reports that some casinos may let customers fund an account through a charge to a mobile phone bill or by deducting money from a prepaid balance. That is a reported possibility, not an established feature of non-UK-regulated casinos generally; availability can change, and the terms of the mobile or prepaid service may matter as much as the casino’s own wording.

The range of routes reflects a market assembled across borders, where a casino, payment processor and financial provider may each sit under different rules. Paying in can consequently feel straightforward while leaving uncertainty about who handles the transaction and what conditions attach to it. Convenience is only one part of the arrangement. A deposit option says how funds may enter an account; it says nothing, by itself, about the protections attached to the gambling service.

Payment Method Nuances

Some operators use alternative processors, meaning the company name on a card statement may not match the casino brand. Additionally, cryptocurrency can be used to bypass the UK ban on credit-card funding.

New Offshore Casinos and the Long Road to a Withdrawal

A new non-UK-regulated casino can look finished from the moment its games and cashier are available. A withdrawal is a less polished test: it turns the promises on a screen into a sequence of checks, processing steps and terms that matter only when a balance is due to leave. For new non-GamStop casinos for UK players, the short time they have been visible offers little evidence of how that sequence works in practice.

Published accounts do not agree on how long withdrawals take. Some describe payouts at non-GamStop casinos as arriving within 24 hours to five business days, depending on the payment method. Other accounts say the wait can stretch to three or four weeks. Those estimates cannot be compressed into a single reliable timetable: one describes a quicker outcome, while the other records a much longer possible delay. In a non-UK-regulated casino, there is no regulatory clock enforcing a payout deadline.

The difference is not merely between a brisk cashier and a sluggish one. A payment may pass through the casino’s own review before it is sent, then depend on the method used to receive it. A displayed balance is therefore not the same thing as money already on its way. The distinction is plain enough. Still consequential.

A newly appearing casino carries an additional uncertainty: there may be little public history against which to judge its handling of withdrawals. A fresh design or a list of available games cannot establish whether requests are processed promptly, whether account checks are consistent, or whether terms are applied predictably. Newness is not proof of trouble; it is simply not proof of reliability either. Claims about a smooth payout experience deserve more weight when supported by a clear written policy and a record that can be examined, rather than by the site’s own assurances.

Casino No ID Verification UK: What Checks Still Apply

The cashier’s terms deserve attention before a balance is built up. A specialist affiliate review has reported that some non-UK-regulated casinos set daily, weekly or monthly withdrawal ceilings, meaning a substantial win may have to be paid in instalments. That is a reported possibility, not a universal feature of non-GamStop casinos. Where such a cap applies, the practical wait can depend not only on the casino’s processing speed but also on how much it will release at each stage.

Verification can add another hurdle. Identity and payment checks may be part of a withdrawal request, and the requirements should be read before play rather than discovered after winnings are involved. A specialist affiliate review has also reported cases in which an offshore operator asked for notarised documents or a video call. These are specific reported practices, not standard requirements across every operator. Their importance lies in the burden they place on someone trying to establish ownership of an account or payment method at the point when funds are being requested.

The documents requested, the reason for each check and the way to submit them should be set out in the operator’s terms or account guidance. If the rules are vague, or the casino can add steps without a clear explanation, the withdrawal process becomes harder to assess in advance. That uncertainty matters especially at a newly launched site: a promise of quick payment says little about what happens when an account is selected for further review.

Withdrawal methods also should not be treated as interchangeable. A deposit route appearing in a cashier does not establish that the same route can be used to receive winnings. The available withdrawal options and any conditions attached to them need to be checked separately. A familiar-looking payment menu is no substitute for an intelligible payout policy.

Withdrawal Verification

For anyone comparing new offshore casinos not on GamStop, the cautious measure is not the speed claimed in a banner but the detail in the terms: stated processing expectations, possible instalment limits, and verification requirements. Even a clear policy cannot guarantee a smooth result, and the conflicting time estimates are a reminder that advertised expectations are not an enforceable timetable. The route out may be longer than the route in.

Bonus Terms: The Arithmetic Behind the Offer

A no-deposit bonus at a casino not on GamStop can look like money made available without a stake. The wagering condition determines how much qualifying play must take place before bonus-related winnings can be withdrawn. The headline figure alone does not reveal what is being multiplied.

A specialist review describes offers with a 40x requirement, but the base differs between promotions. It may be the bonus and deposit added together, the bonus alone, or the bonus combined with free-spin winnings. Those calculations can produce very different totals. If the deposit is included, the required wagering rises with it; if only the bonus counts, the deposit is outside that calculation. The terms, not the promotional label, decide.

Free spins have their own arithmetic. A specialist review reports wagering requirements of 30–50 times the winnings, alongside withdrawal caps of £5–£50. These are reported conditions, not a fixed rule across all casinos not on GamStop. A cap can limit the amount retained even after the wagering condition has been met. The apparent prize and the withdrawable amount are not necessarily the same thing.

Expiry matters too. A specialist review reports that free-spin packages may expire within 24–72 hours. If the spins or related winnings lapse under the terms, their displayed value offers little comfort. The window and the treatment of winnings should be read together.

The useful comparison is therefore not simply the size of a bonus. It is the calculation base, the wagering multiple, any cap on withdrawals and the time allowed to complete the conditions. Terms can change, and two offers carrying similar headlines may impose quite different arithmetic. The small print does the counting.

Curaçao Casino Licence UK: Regulatory Status Explained

Why a “Best” Non-GamStop List Would Mislead

A ranked list suggests that the sites being compared share a dependable standard: that one is safer, more accountable or more suitable than another. For non-UK-regulated casinos, that confidence is difficult to justify. Their responsible-gambling and data-protection rules may be less stringent than those imposed on UKGC-licensed operators, so a polished website or persuasive review cannot stand in for equivalent oversight.

The distinction matters because a recommendation is not merely a description. It can look like an assurance that someone has assessed the risks on a player’s behalf. Yet terms, protections and complaint arrangements belong to the operator and its licensing framework; they are not made reliable by appearing in a “best” selection. Nor does a favourable ranking give a player access to UK regulators if a disagreement arises.

Anjouan’s framework illustrates the gap between a deadline and a remedy. Operators must respond to complaints within 30 calendar days. That requirement sets a period for a reply; it does not create an independent dispute-resolution route comparable to UKGC-approved ADR. A response may leave the substance of a dispute unresolved. Paperwork can impose a timetable. It cannot, by itself, supply an impartial decision.

For that reason, a list of the best Casinos not on GamStop for UK players would risk making unlike arrangements look interchangeable. A site’s presence in a ranking should not be read as an endorsement of its safeguards or as evidence that a complaint will be settled fairly. The more useful distinction is between what an operator claims and what its regulator can actually require.

Anyone considering an overseas gambling service remains responsible for checking the law that applies locally and understanding the consequences of using it. A recommendation cannot take on that responsibility, and a confident label cannot make uncertain protections equivalent to British ones. The ranking format is neat. The underlying risks are not.

What payment methods work best at non-UK-regulated casino sites?

Offshore casinos may accept credit cards, e-wallets, bank transfers and cryptocurrencies, sometimes through alternative processors. Some also accept payments charged to a mobile phone bill or deducted from a prepaid balance.

Are non-UK-regulated casinos legal for UK players to use?

UK law does not explicitly prohibit British citizens from using gambling services licensed in other countries, and players do not commit a criminal offence by gambling on an unlicensed site. However, operators serving customers in Great Britain require a UK Gambling Commission licence.

What happens if I have a dispute with an Anjouan-licensed casino as a UK player?

The Anjouan authority does not handle or adjudicate player complaints, and these casinos do not provide an independent dispute-resolution route comparable to UKGC-approved ADR. Operators must respond to complaints within 30 calendar days under Anjouan’s framework.

What are non-UK-regulated casinos?

They are online gambling sites that operate without oversight from the UK Gambling Commission. Some hold licences from other jurisdictions, such as Malta, Curaçao, Gibraltar or Anjouan.

Is an Anjouan casino licence legitimate?

An Anjouan licence is a licence from that jurisdiction, but it does not authorise an operator to serve the UK market. Anjouan’s framework does not mandate RNG testing, audits or segregated player funds.

What payment options are available at non-UK casinos?

Options may include credit cards, e-wallets, bank transfers and cryptocurrencies, often processed through alternative providers. Some casinos also allow payment by mobile phone bill or prepaid balance.

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