Casinos That Accept Apple Pay UK: Payment Guide

Boku is a Pay by Phone service, so its presence in a casino cashier does not establish that Apple Pay is accepted.

Apple Pay and Pay by Mobile Are Not the Same Payment Method

The phrase “casinos that accept Apple Pay UK 2026” sounds precise, but it can conceal two different payment ideas. Apple Pay is not the same thing as Pay by Phone. Boku belongs to the second category: it places a casino deposit against a mobile phone bill or prepaid balance, rather than using Apple Pay as a digital wallet. A casino cashier showing Boku therefore does not demonstrate that the same cashier accepts Apple Pay.

That distinction is important when comparing claims about Apple Pay casinos, Android casino payments, or sites advertising an Apple Pay deposit route. A reference to mobile payment may describe a phone-billed service, a wallet, or a card stored within a device. Those arrangements are not interchangeable. The payment name shown in the cashier is the meaningful detail, not the broader suggestion that a transaction can somehow be made with a phone.

Boku is a Pay by Phone service used for casino deposits. It sits between the gambling account and the mobile network: the casino requests the payment, while the charge is associated with the customer’s phone service. Apple Pay follows a different description and should not be treated as an alternative name for Boku. Nor does the existence of a Boku option establish that a casino accepts Apple Pay on an iPhone, iPad or another device.

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The distinction also prevents a wider mistake: turning a few named payment references into an “all Apple Pay casinos UK” catalogue. A list of operators associated with Boku would be a list of operators associated with Boku. It would not become a list of Apple Pay casinos merely because both methods can be encountered through a mobile device. The device is not the payment method. A phone is only the stage on which several different financial arrangements perform.

There is a further reason to keep the categories separate. Casino payment options operate inside the British gambling-licensing system. The UK Gambling Commission oversees commercial gambling in Great Britain and covers online casino activity as part of that remit. It is the single regulator responsible for commercial gambling there. The location of an operator’s technical equipment does not remove the licensing question when remote gambling is offered to consumers in Great Britain.

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That framework applies to remote operators selling gambling services into the British market, whether the company itself is based locally or elsewhere. Businesses require operating licences, while people carrying out regulated operating roles may require personal licences. The distinction is not decorative paperwork: it identifies who is authorised to offer gambling and who is individually permitted to work within the licensed operation.

For a casino payment page, this means that the payment badge and the gambling licence answer different questions. The payment badge indicates a route for moving money into an account. The licence concerns the operator’s legal permission to provide gambling services in Great Britain. One cannot substitute for the other. Apple Pay branding would not prove that a casino is licensed; a UK Gambling Commission licence would not prove that Apple Pay is present in the cashier.

The same applies to bonus language. A phrase such as “best Apple Pay casinos bonus UK” joins a payment method and a promotional offer, but those are separate features. Payment acceptance does not by itself establish bonus eligibility, and a bonus label does not establish that the named payment route is available. The operator’s actual cashier and terms have to be read as distinct parts of the arrangement.

The current Boku picture is narrower than the broad language of mobile casino advertising suggests. A small number of UKGC-licensed casinos still accept Boku deposits, while the number has been contracting since 2023. That fact describes a shrinking Pay by Phone presence; it does not create a verified Apple Pay market. It also explains why older descriptions of mobile deposits can become misleading when carried into a new year without checking the exact method named by the operator.

The British regulatory structure remains more stable than payment menus. Gambling offered online to Great Britain consumers falls within the Gambling Commission’s reach, regardless of where the key equipment is located. The Gambling Act 2005 governs gambling in England, Wales and Scotland, while Northern Ireland has a separate legal position. Within the British market, a remote casino serving customers for real-money play must hold the relevant Gambling Commission operating licence.

A casino can be described accurately only when both the payment method accepted in the cashier and the operator’s licensing status are correctly identified.

That is the proper starting point for any comparison involving Apple Pay, Boku, or another mobile route. First comes the identity of the payment method; separately comes the operator’s licensing status. A casino can be described accurately only when both statements are kept in their proper places: what the cashier accepts, and under which authority the gambling service operates.

Names blur. Cashiers do not.

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What Pay by Mobile Can—and Cannot—Do at the Cashier

A casino cashier is a practical place, but it is not a dictionary. The presence of a mobile-shaped payment button does not make it an Apple Pay button, and an Apple Pay logo does not describe every way a phone can be used to fund an account. Boku appears as its own payment option, with its own route through the cashier.

The distinction matters for anyone looking for an online casino accepting an Apple Pay deposit in Britain. The relevant process here is a Pay by Phone deposit through Boku. It begins inside the casino account, continues with a mobile number, and ends with an SMS confirmation. It is not a card payment routed through Apple Pay.

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Starting in the cashier

After signing in, the account holder opens the casino’s cashier and chooses the deposit option. The available methods are normally shown as separate tiles, buttons or entries. Boku must be selected specifically; choosing a bank card or an Apple Pay option would begin a different transaction.

Once Boku is selected, the cashier presents the fields needed for the payment. The first is the amount to be deposited. The second is the mobile phone number connected with the payment. Accuracy matters here in a very ordinary way: the number is part of the verification route, so a mistyped number can prevent the transaction from being confirmed.

The amount is not entered as an arbitrary figure. A specialist review reports that Boku deposits are offered only in amounts divisible by ten, with £10, £20 and £30 given as examples. That detail should be treated as a reported condition of the service rather than a permanent rule for every cashier: payment arrangements change, and the cashier in use determines which denominations are actually presented.

The sequence, therefore, is narrower than the broad phrase “pay by phone” suggests:

1. Open the casino cashier.
2. Select Boku as the deposit method.
3. Enter an available deposit amount.
4. Add the relevant mobile phone number.
5. Submit the payment request.
6. Enter the verification code sent by SMS.

The SMS is the point at which the mobile operator’s account holder confirms the request. It is not merely an alert that money has been moved. Until the code is entered correctly, the Boku transaction has not completed through this route.

What the cashier is actually asking for

Boku does not ask for an Apple Pay card number, a card security code or a bank-account login. The identifying detail is the mobile number, followed by the code delivered to that number. The phone is consequently part of the payment mechanism, not just a convenient screen on which to browse the casino.

That arrangement can look deceptively similar to other phone-based payments. A customer may be using a smartphone in both cases, yet the underlying instruction is different. Apple Pay authorises a payment through Apple’s wallet environment; Boku requests confirmation through the mobile service associated with the supplied number. Similar hardware, separate rails.

Boku deposit process

Step 1: Open the cashier

Sign in to the account and open the casino’s cashier section.

Step 2: Select the method

Choose Boku specifically from the available deposit options.

Step 3: Enter details

Input the deposit amount and the mobile phone number connected to the payment.

Step 4: Confirm via SMS

Submit the request and enter the verification code sent to the mobile device.

The cashier also controls what can be selected at that moment. If Boku is not displayed among the deposit methods, entering a number elsewhere will not turn another payment option into Boku. Payment labels are not decorative. They define the route the casino is offering.

For this reason, descriptions of casinos accepting Apple Pay debit cards should not be read as confirmation that Boku is available there, and a Boku button should not be treated as proof that Apple Pay is accepted. Questions about free spins, welcome offers or no-deposit promotions belong to the terms attached to the casino account, not to the SMS procedure itself. The deposit screen has a more modest job: identify Boku, collect the amount and number, and request confirmation.

A small ritual, but an exact one.

Small Deposits, Phone Bills and Network Caps

Boku limits are not one neat figure printed across every UK cashier. A specialist review describes the standard UK ceiling as £30 for a single deposit, while noting that some casinos or mobile-network operators may permit £40 or £50. Those higher figures belong to particular arrangements, not to the market as a whole.

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Another account gives a different picture: Boku deposits are restricted to £10 per transaction and £30 per day at network level. A separate version of the same limit information puts the daily ceiling at £30 but does not specify any per-transaction cap. The disagreement matters. It means that a £10 figure should not be treated as a universal rule, just as £30 should not automatically be read as the amount available at every cashier.

The common thread is the role of the mobile operator. The daily restriction is described in a specialist review as being applied by the network rather than by the casino. The casino presents Boku as a payment choice, but the operator that bills the phone controls whether the attempted charge can pass. A deposit may therefore be refused even when the gambling account itself appears ready to accept it.

This arrangement gives Pay by Phone an unusual border between gambling and telecommunications. The casino determines which payment methods appear in its cashier; the mobile network governs the relevant account-level allowance. A player moving between casinos does not necessarily escape a daily cap, because the restriction follows the phone account rather than simply the individual casino.

The figures also explain why Boku is better suited to modest deposits than to moving a large gambling balance in one transaction. The payment route was built around a charge made through a mobile account, not around the broad capacity associated with a bank transfer. Its small scale is not merely a casino preference; it reflects the limits attached to the billing channel.

The exact allowance can change with the operator, the network and the terms presented at the time of payment. A current cashier is therefore more informative than an old list of limits, particularly where one source describes a £30 transaction ceiling and another describes a £10 transaction limit alongside a £30 daily cap. The contradiction is not cosmetic. It changes how much can be deposited and how quickly a failed attempt is understood.

A casino may display Boku without being able to override a mobile operator’s restriction. That division of responsibility is easy to miss—and expensive to misunderstand.

When a Phone-Billed Deposit Meets Real-Money Slots

A Boku deposit can put real money into an online casino account without using a debit card or bank account. The charge is made through the mobile network instead: a monthly-billed customer sees the amount added to the phone bill, while a PAYG customer has it deducted from the available prepaid balance.

That arrangement explains why Boku can appear alongside real-money slots in a casino cashier. The funds are not promotional credits or tokens confined to a free-play mode. Once accepted by the operator, they become a deposit in the gambling account and can be used for eligible casino games, including online slots. The payment route changes how the account is funded; it does not turn real-money play into a free game.

It also does not make Boku an Apple Pay wallet. Searches for Apple Pay slot sites, Apple Pay slot apps or real-money slots funded with Apple Pay describe a different payment route. Boku uses the mobile network account, whereas Apple Pay is a wallet service linked to a payment card or other supported funding source. Similar language around “phone payments” can make the two seem interchangeable. They are not.

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The direction of the money matters

Boku is built for money travelling into the casino account. It is not a channel for money travelling back to the player. Casino winnings cannot be withdrawn to Boku, and a phone bill or PAYG balance does not become the destination for a successful slot session.

This is the important distinction between depositing and cashing out. A player who funds an account through Boku must have another withdrawal method registered, such as a debit card, e-wallet or bank transfer. The casino may offer several routes, but Boku itself is not one of them. Treating it as both a funding method and a cash-out method creates an expectation the service cannot meet.

The same division applies whether the charge appears on a monthly bill or comes out of prepaid credit. The phone account supplies the deposit; it does not receive casino funds later. A PAYG balance is therefore a source of gambling money, not a small personal wallet capable of holding winnings.

Real-money play also takes place within the British gambling framework. A casino serving customers in Great Britain must hold the relevant UK Gambling Commission operating licence, and the operator must verify age before allowing deposits. The licence concerns the gambling business, not the payment method: it does not transform Boku into Apple Pay, nor does it promise that every cashier will retain either option indefinitely.

The practical picture is less glamorous than the phrase “Apple Pay slots” suggests: one payment route sends money in, another route must bring money out. That is the whole architecture.

Deposit vs Withdrawal

Boku is a method for moving money into a casino account, but it cannot be used to withdraw winnings.

Mobile Slots, with the Payment Question Kept in View

A casino that works well on a phone is not automatically a casino that accepts Apple Pay. These are separate arrangements: one concerns the way the games are delivered, while the other concerns how the gambling account is funded. A mobile site may load smoothly in a browser, and its slots may be designed for a small touchscreen, without Apple Pay appearing anywhere in the cashier.

That distinction matters because “Apple Pay slots” can describe several different things. It may mean slots played on an iPhone, slots available at a casino whose cashier accepts Apple Pay, or simply real-money mobile games where the player hopes to use a familiar phone wallet. Those are not interchangeable descriptions. The handset is only the stage; the payment method is controlled by the operator and its banking arrangements.

Pay by Phone is a different mobile route. The relevant network support extends across EE, O2, Vodafone and Three, with Pay by Phone and Fonix available through those major UK operators. That makes the mobile network part of the payment chain, rather than merely the means of opening a casino website. A player may therefore use a phone on one of these networks to access mobile slots and, where the cashier offers the relevant service, fund the account through a phone-based payment option.

The network list does not create a universal acceptance rule. EE supporting Pay by Phone does not mean every casino available through EE accepts it; nor does a casino offering Fonix imply that Apple Pay is available there. Payment buttons belong to individual operators and can differ between accounts, sites and periods. The cashier remains the useful piece of evidence, not the fact that a casino has a mobile version.

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Mobile play also sits within the ordinary British online gambling framework. Real-money slots offered to customers in Great Britain must be provided by an operator holding the appropriate UK Gambling Commission licence. Age verification is required before deposits are permitted, and licensed casinos must provide account-level financial limit controls. A phone makes access portable, not exempt from regulation.

The games themselves are subject to rules that follow the player onto the smaller screen. Autoplay is not permitted for online slots in Britain, and each spin must last at least 2.5 seconds. The maximum stake per game cycle is £5 for customers aged 25 and over, and £2 for those aged 18 to 24. A compact display changes the interface, not the rules.

This leaves three separate checks for anyone comparing mobile casinos: whether the site runs properly on the device, whether the casino offers the intended payment method, and whether the operator holds a current UK Gambling Commission licence. Apple Pay may be present in one part of that picture and absent from another. A mobile slot is still only a mobile slot.

Why the Pay-by-Mobile Door Has Been Narrowing

The British casino cashier once offered a relatively simple idea: charge a deposit to the mobile account rather than asking for a card or bank account. Boku became the recognisable name attached to that arrangement. Yet the route has been losing ground since 2023. Operators have replaced Boku with other Pay by Phone services, or have removed pay-by-mobile payments altogether.

Alternative Pay by Phone Services

Fonix

One of the services used by some operators as an alternative to Boku.

Siru Mobile

A mobile-based payment option used by certain licensed casinos.

Boku

The traditional pay-by-phone service that has seen reduced availability since 2023.

That change matters because a payment label can look more stable than it is. A casino may still appear in an older guide as a Boku operator while its current cashier offers something else. A familiar brand name, in other words, is not proof of a live payment route. Cashiers are less like shop signs than revolving doors.

The shift has also complicated the search for Apple Pay casinos. Apple Pay is a wallet-based payment method, whereas Boku, Fonix and Siru Mobile belong to the Pay by Phone family. They should not be treated as interchangeable merely because all three can be associated with mobile devices. A phone is the common object; the payment rail is different.

From Boku to other Pay by Phone services

One specialist review reports that operators have been moving away from Boku since 2023. Its account describes three directions: a casino may adopt Fonix, move to Siru Mobile, or abandon pay-by-mobile payments entirely. This is a change in the cashier rather than a new gambling category. The games remain casino games; what changes is the way money reaches the gambling account.

Fonix and Siru Mobile therefore deserve attention as replacements, not as alternative names for Boku. A player looking for a mobile-funded deposit can find that a former Boku cashier now presents one of these services instead. That does not establish that the same operator accepts Apple Pay, nor that a payment method available at one casino will appear at another.

The names attached to the change are specific. The same specialist review identifies MrQ and Duelz as accepting Fonix, while Mr Vegas and Videoslots accept Siru Mobile. These examples show how fragmented the market has become: the replacement is selected by the operator, and the operator’s choice determines what appears in its own cashier.

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The distinction is easy to miss when payment pages group several methods under broad headings such as mobile payments. A service that uses a mobile number is not automatically Boku. Nor does a mobile-related option answer the separate question of whether Apple Pay can fund a casino deposit. The only reliable object of comparison is the payment method actually displayed by the licensed operator at the time of deposit.

Why the change is easy to misread

The reduction in Boku availability does not amount to a UK Gambling Commission rule banning Boku by name. Individual casino operators dropped it because of compliance risk. That is an important difference in a market where regulatory language is often used as a convenient explanation for every disappearance.

Remote gambling offered to consumers in Great Britain falls within the UK Gambling Commission’s licensing system, regardless of where an operator or its key equipment is located. The Commission issues operating licences to gambling businesses, and a legal online casino serving British customers must hold the relevant licence. Payment arrangements sit inside that regulated setting, but a payment method is not itself a licence category.

Consequently, the presence of Fonix or Siru Mobile says little about the operator’s regulatory status on its own. A payment service cannot turn an unlicensed casino into a licensed one, just as the disappearance of Boku does not by itself show that a casino has left the British market. The operator and its licence remain separate questions from the logo in the cashier.

Attention A familiar brand name or a list of mobile payments is not proof that a specific operator accepts Apple Pay.

That separation also explains why lists of the “best Apple Pay casinos” age badly when they quietly substitute Pay by Phone services for Apple Pay. A Boku, Fonix or Siru Mobile deposit may be relevant to someone seeking an alternative mobile route, but it is not evidence that Apple Pay is accepted. The category has to be named accurately before the comparison can mean anything.

A smaller and more changeable door

The direction of travel is therefore not a neat replacement chart in which Boku has simply been exchanged for a single successor. Some operators use Fonix; some use Siru Mobile; others have removed pay-by-mobile options. The remaining door is narrower because fewer operators appear to offer the same route, and because the route itself is divided among different services.

For players comparing casino cashiers, this makes old promotional language particularly fragile. “Mobile payment” may refer to several distinct systems, while a page written when Boku was present may no longer describe the live deposit screen. The named examples—MrQ and Duelz with Fonix, Mr Vegas and Videoslots with Siru Mobile—illustrate the current shape reported by that specialist review, not a permanent directory.

Apple Pay remains a separate matter. The existence of a mobile payment alternative does not confirm that a casino accepts Apple Pay, and the retreat from Boku does not prove that Apple Pay has replaced it. What can be traced with greater confidence is the institutional movement: Boku has become less common, replacement services have appeared, and some operators have closed the Pay by Phone entrance altogether.

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A narrowing doorway, not a vanished house.

Bonus Terms Are a Separate Bargain

A payment method does not purchase a bonus along with the deposit. This matters when a casino advertises a welcome offer beside a cashier containing Pay by Phone, Boku, or another mobile route. The offer and the funding method are separate parts of the agreement, and the operator decides whether they can be used together.

A specialist review identifies MrQ, Duelz, Mr Vegas and Videoslots as operators where pay-by-phone deposits are accepted for bonus eligibility. That is a statement about those operators and the conditions recorded for them, not a general rule for every UK casino. Elsewhere, the same deposit route may be accepted while being excluded from a welcome promotion. The cashier can therefore permit a payment that the bonus terms quietly refuse. A small grammatical distinction, with financial consequences.

Boku deposits generally come without a dedicated bonus. That does not mean that every Boku-funded account is barred from all promotions; it means the payment method itself does not normally bring a special reward. Eligibility remains tied to the operator’s offer, its permitted deposit methods and the wording attached to the account.

The familiar structure of a UK casino welcome offer is a 100% deposit match up to £100, accompanied by a 35x wagering requirement. These figures come from a specialist review and describe a typical promotional pattern, not a universal promise. The percentage match does not turn every deposit into bonus-qualifying funds, nor does it remove the conditions attached to withdrawing winnings generated while the offer is active.

Expiry rules are equally important. A specialist review records bonus funds as expiring within 30 days and bonus spins within 72 hours. Those periods belong to the promotion’s terms, not to Boku or any other payment service. A deposit made through Pay by Phone may qualify, qualify only after an opt-in, or qualify for neither the cash bonus nor the spins.

The practical reading order is therefore simple: identify the payment method accepted at the cashier, then read the bonus section for excluded methods, activation requirements, wagering conditions and expiry. An Apple Pay label, where a casino offers one, would not by itself establish a bonus entitlement either. Payment technology opens the door; promotional terms decide what is placed on the table.

PAYG Balance, Monthly Bills and the Minimum Deposit

A Pay by Phone deposit does not draw from an abstract payment account. For a PAYG customer, Boku takes the money from the credit already available on the handset. If that balance is too small, the transaction cannot be completed. A specialist review describes the restriction plainly: the amount deposited cannot exceed the remaining prepaid balance.

That makes the phone balance part of the casino cashier, even though the casino does not hold the credit itself. A customer with enough PAYG credit can use it for a Boku deposit; once the balance is insufficient, the payment stops there. No overdraft is created, and the casino cannot turn a short mobile balance into a larger gambling budget. A modest convenience, with a hard edge.

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Monthly contracts work differently. The Boku charge is added to the mobile bill rather than removed from stored credit. The payment therefore depends on the billing arrangement with the network operator, while PAYG depends on what remains available before the transaction. Both routes are billed through the mobile network, but they do not ask the same financial question: one asks what credit is left, the other what the monthly account can carry.

The published minimum and maximum figures are not consistent. One account gives a minimum Boku deposit of €10, a maximum of €30 and a monthly ceiling of €240. A separate UK-focused account instead describes £30 as the standard maximum per transaction, with some operators allowing £40 or £50. These are not interchangeable versions of the same rule, and the currency difference makes the first set particularly unsuitable as a universal UK cashier standard.

The disagreement matters for anyone looking for a very small deposit, including a five-pound Apple Pay deposit. Boku is a Pay by Phone service, not evidence that an online casino accepts Apple Pay, so figures attached to Boku should not be presented as Apple Pay minimums. The amount available at the cashier may depend on the payment route, the operator and the mobile arrangement in use.

A monthly figure should be treated with the same care. The €240 ceiling belongs to the account that reports the euro-denominated minimum and maximum; it should not be silently converted into a general UK limit. For a PAYG customer, the immediate practical boundary remains the balance on the phone. For a contract customer, the charge appears on the mobile bill. Neither route establishes Apple Pay availability, a non-GamStop status or an instant Apple Pay deposit.

If Apple Pay Is Unavailable, the Alternatives Have Their Own Routes

When Apple Pay is not available at a casino cashier, the alternative is not necessarily another wallet offered alongside it. One documented route uses Boku as the funding method for Neteller, followed by a Neteller deposit at a casino that accepts Neteller. It is a two-stage arrangement rather than a direct replacement appearing on the same payment screen.

The sequence is straightforward in outline:

1. Boku is used to put funds into a Neteller account.
2. Neteller is then selected when making a deposit at a casino that supports that wallet.

This matters because Boku itself is a deposit-only service for casino payments. It does not provide a route for withdrawing casino winnings, so the Neteller stage should not be mistaken for a guarantee that withdrawals will return through Boku. The method connects two separate payment arrangements; it does not turn a phone-billed deposit into an Apple Pay transaction.

The route also depends on availability at both ends. Boku must be offered for funding Neteller, and the chosen casino must accept Neteller as a cashier method. A casino displaying one payment option cannot be assumed to support every related service. Payment menus are less like public infrastructure than shop opening hours: they change according to the operator.

A specialist review has described this Boku-to-Neteller path, but its availability should be treated as something to confirm at the time of use. The fact that the route has been reported does not establish that every UK casino offers it, or that it remains active at every operator. The casino must also be a UK-licensed site serving British customers, with its licence checked on the UK Gambling Commission’s public register before any deposit is made.

Neteller therefore belongs among the practical alternatives when Apple Pay is missing, but it is not a universal substitute. It introduces an additional account and an additional payment step, while preserving the central limitation of Boku: money can travel into gambling, but Boku cannot carry casino funds back out. A workaround, not a mirror.

GamStop Searches Cannot Establish a Payment Method

A casino described as “not on GamStop” is not thereby an Apple Pay casino. GamStop status and cashier options belong to different parts of the gambling arrangement: one concerns self-exclusion coverage, while the other concerns how money reaches the operator. A label attached to one cannot establish the other.

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The same caution applies to searches for Apple Pay slots at casinos outside GamStop. A slot is a game, not a payment channel. Apple Pay availability depends on the operator’s current cashier, the account’s eligibility and the payment arrangements in force at the time of deposit. A casino’s marketing description, or its position in a non-GamStop list, cannot turn those separate questions into one confirmed fact.

For British customers, the legal dividing line is the licence. Remote gambling offered to consumers in Great Britain requires the relevant UK Gambling Commission licence, even when the operator or its key equipment is located elsewhere. Offshore casinos sit outside that regulatory system and do not hold a UKGC licence. That distinction matters more than a payment badge: licensed operators must meet British rules on age checks, financial-limit prompts, responsible-gambling tools and complaints procedures.

Boku’s disappearance from some casino cashiers should not be mistaken for a named UKGC prohibition. The Commission did not introduce a rule banning Boku by name. Individual operators removed the service because of compliance risk. That is an operator decision, not evidence that every pay-by-phone route—or Apple Pay itself—was prohibited across the market.

A responsible check therefore has two separate parts: confirm the operator’s current UKGC status on the Commission’s public register, then inspect the actual cashier for the payment method being considered. One check cannot substitute for the other. This is particularly important when a site presents itself as outside GamStop while also making broad claims about Apple Pay deposits. A familiar logo is not a licence, and a non-GamStop label is not a payment guarantee.

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