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Wirtschaftswoche in German. Retrieved 25 May The Guardian. In: Süddeutsche Zeitung Print , 15—17 April Retrieved on 8 June Retrieved 10 June Verbriefung mit Volumen von Mill.

In: Börsen-Zeitung , 24 April Financial Times. In: Göttinger Tageblatt , 19 August Albrecht Scheuermann: Wenn der Jackpot versichert ist.

In: Hannoversche Allgemeine Zeitung , 19 August In: Börsen-Zeitung , 20 August Dynamik bei Cat Bonds lässt nach. We think it's better to be an official participant for lottery games, especially if you plan on hitting a multi-million jackpot.

And who doesn't? If you win, you know there's a legit lotto operator on the other end that will be paying out your winnings.

By contrast, many lottery betting sites bank on insurance. They insure their business for the same amount as the lottery prize, and when somebody hits the jackpot, their winnings come from the lotto betting site's insurance claim.

Other sites also take out tickets for the actual draws; in these cases, your winnings will come from the lotto operator itself.

Of course, Lottery Critic doesn't automatically rule out lottery betting sites. Instead, we check if they have good licenses from gambling commissions or similar credentials, plus good payout records and secure systems in place to ensure that players get their winnings.

This applies only for lottery agents, but it's an important question. Some lottery agents will send you scanned copies of your ticket as proof of ownership.

Lottery Critic gives plus points for this, since it's another layer of reassurance that you'll get any rewards you manage to score.

Ticket scans aren't a strict requirement, though. Some lottery agents don't give you ticket scans, but they do send other documents like official receipts instead.

Others won't give you anything at all. In these cases, we pay extra attention to their prize claiming policies and payout records.

Many lottery agents charge handling fees — after all, they are going out and buying tickets for you. This means you can usually expect to pay a bit more than sticker price for your lottery tickets.

My job is to check each lottery agent's prices and let you know if they're charging you reasonably.

Some lottery agents don't charge handling fees, but they make up for it in other ways, like taking a cut from your winnings.

It's good to remember that these agents are providing you a service, so there will always be a fee of some kind. I'll give as much information as possible about these, but it's up to you to decide what kind of fees you'd prefer: service charges, commissions, etc.

Lotto betting sites tend to have a slight edge in this department. Since they don't actually buy tickets for you, there's less fuss in their operations — and less reason for them to charge extra fees.

To get full points from Lottery Critic, though, a lottery website has to offer a good spread of payment options.

More accepted payment methods means more accessibility for players from all over the world. Sure, most people might have a credit or debit card available.

But if they'd prefer to use another option, that should be possible. Not everyone has PayPal, for example, while others would prefer to use cryptocurrency like Bitcoin.

More options mean fewer people have to bend over backwards to play. We also let you know if a lottery website has automatic subscriptions.

Nobody wants a surprise deduction from their account! When it comes to users claiming prizes, lottery websites usually have a system in place.

For small prizes typically up to a few thousand dollars , amounts tend to get credited to your account automatically.

Larger prizes, especially jackpots, often involve a bit more work. Sometimes that means you'll need to claim the prize in person.

At some lottery websites, you'll need to submit proof of identity before you get a payout. Still other lottery sites can claim the prize on your behalf and credit it to your account.

Not everybody can fly to a different country to claim a prize, so the more convenient the system, the higher a lottery site's rating in my book.

As much as possible, we also check a site's payout record. A system can look good on paper, but that's not worth much if nobody's actually managed to claim their winnings yet.