Sumsub controls gambling transactions with the help of the Gambling bet, Gambling limit change, and Gambling bonus abuse monitoring rules.

Learn more about Rules here.

How Responsible gambling works

The process of gambling monitoring includes the following steps:

Players participate in gaming sessions by making bets, winning, losing, thereby producing transactions.
Sumsub performs necessary checks in accordance with the Responsible Gambling rules.
Depending on the checks results, each transaction receives a status:

Normal — transaction is approved.
Suspicious or Gambling Addiction — transaction matched a Gambling Bonus Abuse rule, and requires attention.

You handle monitoring results.

Checks

The following table explains the checks performed when monitoring gambling transactions.

Check	Description
Session duration	Time period the player takes while playing a single game session.
Sessions count	Total number of game sessions played by the player.
Session time	Specific time (local) when the player starts and finishes a game session.
Deposit amount	Amount of money deposited by the player into their gambling account.
Deposit count	Total number of deposits.
Deposit frequency	How often the player makes deposits into their gambling account.
Bet size	Amount of money wagered on a single bet or game round.
Has active limits	Indicates whether the player has set any limits on their gambling activity, such as deposit limits or time limits.
Has removed limits	Indicates whether the player has previously removed any limits they had previously set on their gambling activity.

How Bonus abuse prevention works

The process of bonus abuse monitoring includes the following steps:

Players sign up to a gambling platform, take advantage of bonuses and promotional offers, thereby producing transactions.
Sumsub performs necessary checks in accordance with the Gambling Bonus Abuse rules.
Depending on the checks results, each transaction receives a status:

Normal — transaction is approved.
Suspicious or Abuser — transaction matched a Gambling Bonus Abuse rule, and requires attention.

You handle monitoring results.

Checks

The following table explains the checks performed when monitoring gambling bonus abuse transactions.

Check	Description
Bonus ratio between 75% and 85% in total of >3 bonuses	Indicates a suspicious player (players that claim close to the maximum bonus amount 75%-85% of the maximum amount).
Bonus ratio more than 85% in total of >3 bonuses	Indicates bonus abuse (players that claim close to the maximum bonus amount > 85% of the maximum amount).
Bonus ratio between 65% and 75% in total of >3 bonuses	Indicates a possibly suspicious player(a player trying to get as much as possible).
Bet amount with bonus = Max possible bet amount (more than 60% bonus bets)	Indicates that players mostly try to play with the maximum possible bet.
Bet amount with bonus > Max possible bet amount (more than 25% bonus bets)	Indicates that a player breached the maximum bet requirements.
Huge win and then bets with a small amount with the bonus active.	Indicates that a player is trying to fulfill wager requirements. A player has lowered the bet after a huge win (more than x150 bet amount) to make wager requirements (if the player lowers the bet more than x2 times). Player steps: Gets a bonus. Makes bets. Wins more than x150 bet amount. Lowers the bet more than 2 times. The average bet amount before win divided by 2 is more than the next average bet amount after win.
The player has unfinished game round	Indicates bonus abuse (delayed game round). Players try to get a bonus round with active bonus funds. After they get this round they close the game and try to get a bonus round in another game. Repeat after all bonus funds are lost. After bonus funds are lost — players go to delayed games and start bonus rounds. All winnings will have no wager requirements because the bonus is lost.
Has multiple accounts	Indicates that a player is trying to get bonuses to their multiple accounts (duplicate accounts).

Enable gambling monitoring

To enable gambling monitoring:

In the Dashboard, open the Rules Library, select the a gambling bundle, which can be Responsible Gambling and Gambling Bonus Abuse, and install the rules. We recommend installing all rules available in the bundle, as it is the quickest and easiest way to cover all of the check steps.
Open the Rules page and enable the installed rules.

Once you enable the rules, all transactions are going to be monitored by these rules. Each transaction that matches the rule conditions will be taken care of in accordance with the rule configuration.

Create gambling transactions

You can create gambling transactions in the Dashboard using a convenient constructor or with the help of the API methods.

Use Dashboard

To produce a gambling transaction in the Dashboard:

Go to the Transactions page.
Click Create transaction manually.
From the drop-down list, select an applicant on behalf of whom you want to produce the transaction.
Switch between the simplistic (visual representation) form and JSON payload (digital data).
When using a simplistic form, from the Use Case drop-down list, select Gambling bet, Gambling limit change, or Gambling bonus change, depending on your scenario.
Provide required transaction information.
Set the custom transaction date by selecting the associated checkbox if necessary.
Click Create transaction.

Use API

To produce a gambling transaction via API, use this API method and set the type field to gamblingBet, gamblingLimitChange, or gamblingBonusChange, depending on your scenario.

{
  "txnId": "pqq2n19996mxmdeqxkxpbr_newTxn",
  "type": "gamblingBet",
  "gamblingBetInfo": {
    "amount": 42,
    "currencyCode": "EUR",
    "resultAmount": 73,
    "betType": "sports",
    "gameType": ""
  },
  "applicant": {
    "device": {
      "fingerprint": "naeoih9v4qb"
    }
  },
  "txnDate": "2023-07-21 15:57:38+0200"
}

{
  "type": "gamblingLimitChange",
  "gamblingLimitChangeInfo": {
    "type": "deposit",
    "amount": 42,
    "currencyCode": "EUR",
    "reverted": false,
    "resolutionDate": "2023-07-21 16:30:37+0200",
    "sessionTime": null,
    "sessionLimitInMins": 120,
    "period": "weekly"
  },
  "applicant": {
    "device": {
      "fingerprint": "hwsf4067oz7"
    }
  },
  "txnId": "epui0t4zn4wq9yuwp8xp7l",
  "txnDate": "2023-07-21 17:05:06+0200"
}

{
  "type": "gamblingBonusChange",
  "gamblingBonusChangeInfo": {
    "bonusId": "test-bonus-id",
    "amount": 80,
    "maxBonusAmount": 100,
    "maxBetAmount": 5,
    "wagerRequirement": 4000,
    "status": "activated"
  },
  "applicant": {
    "device": {
      "fingerprint": "o0p8aaom03o"
    }
  },
  "txnId": "4fyryfk5klyk806e32v1lh",
  "txnDate": "2023-09-26 15:51:19+0300"
}

Handle monitoring results

Once a gambling transaction is checked, it can be found on the Transactions page.

All suspicious transactions which get the Requires action status appear in Queues. Such transactions must be carefully evaluated by your experts and an appropriate action must be taken.

You also receive any of the following webhooks, depending on the transaction status: applicantKytTxnApproved, applicantKytTxnRejected, applicantKytOnHold.