Marker Trax’s mission to modernize and streamline the casino credit system has reached fruition with the next-generation digital solution of Moolah Play, which is the result of five years of field experience and direct feedback from casino operators across the country.
Acknowledging that the process of issuing casino credit has changed little over the past 50 years, Charles Skinner, President of Marker Trax, claims that there are three primary challenges with how traditional casino credit is issued.
“First, markers are issued in cash or chips, which means the player can simply walk out of the casino with unsecured funds and even gamble at a competing property,” he said. “Second, the approval process for credit applications is painfully slow, sometimes taking days or even weeks. Third, the management of that credit is still largely manual.”
Marker Trax has changed all that with Moolah Play, a digital cashless credit platform designed to eliminate those challenges to improve both the player experience and the casino’s operational efficiency.
“We believe that we have reimagined and reinvented how credit is issued in the regulated casino industry,” Skinner said. “I think we have proven this with Moolah Play.”
The need to bring issuing all casino credit into the 21st Century, according to Skinner, became even more evident with the expansion of more complex environments like table games and sports wagering, which require a more robust product and support of higher credit limits.
“In sports betting, the payment costs are exponentially high because of the deposit churn,” Skinner said. “The players are moving their money back and forth to their bank accounts, creating additional costs to the operator.
“Also, there are billions of dollars spent every year in sports betting and gaming illegally,” Skinner said. “The main reason for that is players can bet using credit. We believe what we are doing will offset the challenges that exist in the digital gaming world today with our next-generation digital solution.”
With Moolah Play, casinos can offer digital credit lines ranging from $250 to $25,000 and more, with ability to extend those lines across multiple touchpoints in the gaming ecosystem. The platform, initially launched in slot environments, is evolving to support a wide range of gaming verticals, including table games, sports wagering, and iGaming.
“Targeting table games, sports, and igaming players with this next-generation platform we are releasing enables us to underwrite up to one million dollars,” Skinner said. “The reason we are able to do this is because we are bringing in more data sets to our underwriting, therefore giving the operators the opportunity to issue higher amounts.”
A major component of Moolah Play is patented technology that allows casinos to sweep funds directly from a player’s winnings, which reduces risk and increases recoupment rates.
Marker Trax has expanded its supported payment methods to include Koin Payments, ACH transfers, real-time debit, and wire transfers, thereby offering flexibility for players managing larger lines and reducing the operational burden for casino staff.
Furthermore, Marker Trax has invested in expanding its state-of-the-art Operator Dashboard, a centralized hub that gives casino operators complete control over their digital credit program to include new tools specifically designed for managing larger credit lines.
This allows operators to set custom thresholds that require additional approval steps. For example, when a player applies through the mobile app and is approved for a line above a certain limit, the approval can be held until it passes through an internal review process, fully configurable for the casino and supported by Marker Trax Technology.
The importance of striking a balance between maintaining compliance with traditional credit issuance practices and embracing the efficiency of modern digital tools was also factored in according to Skinner.
“In many properties today, this review process is done manually via emails, phone calls, or in-person meetings,” he explained. “Our platform notifies the appropriate stakeholders in real time and captures the outcome of each review, streamlining what used to be a time-consuming process.”
Moolah Play would not have been possible without a Marker Trax team that brings together expertise across multiple areas of responsibility, including gaming operations, compliance, lending, and fintech.
“We have people on our team who have been on the operator side issuing credit in the pit or approving applications in the back office,” Skinner said. “We have paired this with leaders who understand modern lending and payments, which has been critical to our success. We feel we have the team that can execute this on a high level.”
Melissa Lambson, Chief Credit and Finance Officer, is at the core of Marker Trax’s leadership team. Her background, Skinner said, brings strategic lending and regulatory experience that created a fusion of perspectives among team members, resulting in enhanced analytics, improved automation, and a more flexible and data-driven offering for casinos.
Skinner knows that analytics are at the heart of the Marker Trax approach. The company’s platform provides operators with actionable insights to monitor player behavior, evaluate risk, and optimize credit programs over time.
“This industry is extremely data-driven” he said. “Marker Trax is giving operators the tools to understand their programs, measure impact, and make better decisions in real time.”
The tools assist operators in staying agile by responding to trends in player activity, adjusting credit policies, and scaling offerings across different market segments.
Ensuring that both operators and players benefit from a safe, secure, and seamless transaction experience is made possible through Marker Trax’s strategic partnership with Euronet Worldwide, a global leader in money movement and payment solutions.
“Working with Euronet, which manages billions of dollars a day in digital money movement, allows us to focus on innovation while maintaining the highest standards of security and compliance,” Skinner said.
Euronet’s robust infrastructure and top-tier data security protocols have enabled Marker Trax to confidently expand into new verticals and geographics.
“Euronet is heavily invested in cash because they are the largest ATM operator in the world,” Skinner said. “They also move money in every corner of the world digitally. They understand the trends, a valuable resource to have the confidence that cashless is moving forward.”
Marker Trax remains focused on building products that remove friction, enhance security, and improve outcomes for everyone involved.
In addition to issuing new digital credit lines, Marker Trax is also preparing to migrate existing traditional lines onto its platform, pending jurisdictional approval. This would allow operators to digitize previously approved credit lines and reduce manual steps for players and staff alike.
“It is about reducing hassle for everyone,” Skinner maintains. “This kind of migration allows operators to bring legacy processes into a modern system with less risk, fewer resources, and a better player experience.”
Marker Trax is redefining how casinos manage their credit programs. The company will continue to challenge legacy systems and provide scalable, forward-thinking solutions that meet the present and future needs of casino operators.
