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Mastercard Payment of Winnings Stand-Alone Credits {#payments-pow-intro}
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Mastercard Payment of Winnings (POW) is a *credit* specifically for gambling merchants to pay game winnings to customers. The transaction is authorized in real time, beginning with an online refund authorization and followed by an automatic capture. POW is restricted to merchants characterized under merchant category code 7995.

> IMPORTANT Regulations for gambling merchants vary by country and can change over time. Refer to your local regulations for compliance on paying game winnings to customers.

Card Types {#payments-pow-intro_cardtypes}
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To use a specific card type, set the paymentInformation.card.type field to a value listed in the Card Type Value column below.

| Card Type             | Card Type Value |
|:----------------------|:----------------|
| Maestro International | `042`           |
| Maestro UK            | `024`           |
| Mastercard            | `002`           |
[Card Types and Card Type Values]

> WARNING
> Payment of Winnings (POW) is prohibited in some countries and restricted to specific card types in the countries where it is allowed. ` Cybersource ` does not perform BIN checks on these transactions to verify that the customer is permitted to receive payouts in their region for their card type. ` Cybersource ` recommends that merchants perform their own BIN checks or verify with ` Barclays `.

Unauthorized Issuing Countries
------------------------------

Cards issued in these countries will be rejected:

* Brazil
* Canada
* China
* Czech Republic
* Finland
* Hong Kong
* Hungary
* India
* Indonesia
* Latvia
* Norway
* Pakistan
* Poland
* Portugal
* Russia
* Singapore
* Sweden
* Switzerland
* Turkey
* United Arab Emirates
* United Kingdom credit cards
* United States

Related Information {#payments-pow-intro_section_azq_55s_5xb}
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* See [Mastercard Payment of Winnings Processing](/docs/cybs/en-us/payments/developer/barclays/rest/payments/payments-processing-mastercard-intro/payments-pow-processing-intro.md "") for instructions that show you how to process a Mastercard Payment of Winnings stand-alone credit.
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