(up to 60 characters):

In Australia, the access of minors (<18 years old) to gambling is limited not only by age verification, but also by strict payment barriers. Below is a set of measures by banks, payment systems and operators that exclude the possibility of a game deposit until adulthood.

1. Banning credit cards and BNPLs

Credit and Other Measures Act 2023 prohibits the use of credit cards and buy-now-pay-later (BNPL) services to pay for interactive gambling services by any client, including adults. For minors, this prohibition provides an absolute blocking of such a channel.

2. Bank-level stop limits and locks

Merchant Category Code (MCC 7995)
Banks can block gambling transactions for children's or family cards at the MCC level.
Parent authorization
Modern banks offer the option "parental controls": any online payments above a given threshold require an SMS or push code from the main cardholder.
Automatic limits
Parents can set daily, weekly and monthly transaction limits for child cards (for example, no more than 0 AUD in the "excitement" category).

3. E-wallets and prepaid cards

E-wallets (PayPal, POLi)
Operators integrate payment systems, but until a successful KYC, the account remains in "receive-only" mode: you cannot send funds to a gambling account without full confirmation of age.
Prepaid cards
Many banks and third-party providers issue virtual prepaid cards. For minors, MCC 7995 is blocked by default, or access to replenishment is established only through the parent's wallet.

4. App Store и Google Play

In-app Purchases
By default, they require a Face/Touch ID or password for each purchase. The parent can completely disable in-app purchases in the Screen Time (iOS) or Family Link (Android) settings, closing the path to gambling applications.
Age-gate in stores
Installing Mature 17 + applications requires an official profile age ≥ 18, without bypassing the family library or the delayed Family Link.

5. Technical and regulatory measures of operators

1. Pre-auth blocking

Until KYC (ACIP, DVS) is successfully completed, all payment channels are closed: the deposit is not initiated.
2. Check payment details

Verify cardholder's name and date of birth against KYC data. Transaction mismatch → automatic failure.
3. Logs and reporting

All attempts to pay the bet are read and logged; ACMA reports record attempts by minors.

Result

The system of payment restrictions in Australia reliably closes the path to gambling for users under 18 years old through:

1. Complete ban on credit cards and BNPL for interactive games.
2. Stop limits and MCC locks at the bank card level.
3. Restrictions on electronic wallets and prepaid cards.
4. Parental control of in-app purchases in the App Store and Google Play.
5. Hard pre- and post-KYC blocking by operators.

These measures ensure that without adulthood and successful verification, it is impossible to register, deposit or bid.