Our scoring rules
All scores on NaijaPayout come out of one formula. Feed it the same facts and it returns the same score, commission or not. Every rule is listed below, and each review shows the sums for that casino.
Blocks, weights and points
| Block | Weight | Rule |
|---|---|---|
| Withdrawals | 30% | Base of 5. Crypto cash-outs add 2. A wide choice of withdrawal methods adds up to 1.5, and so does a low withdrawal minimum. Our own timed cash-out can add 1 or take 1 away. |
| Licence and history | 20% | A Curaçao licence with its number on show gives 6, Anjouan gives 5. No visible number costs 1.5, a second licence adds 0.5. Years in business add up to 2. |
| Bonus terms | 15% | Rollover up to x25 earns 9 (cash rewards with no rollover too). Every further x5 step costs a point, down to 4. A cap on bonus winnings costs 0.5. No offer we could confirm: 5. |
| Games | 15% | Under 5,000 games earns 6, 15,000 or more earns 9.5. More than 100 studios adds 0.5. |
| Customer support | 10% | Live chat around the clock earns 8, limited hours earn 6. |
| Naira and local payouts | 10% | A naira (NGN) balance earns 10. No naira balance but bank transfer cash-outs earns 6. Crypto or cards only earns 4. |
The final score is the weighted average of the six block scores, rounded to one decimal.
Why naira counts
Most of our readers are in Nigeria, where cards often refuse foreign payments and every dollar deposit loses money on conversion. A casino that lets you keep a naira balance removes both problems, so it earns a separate block. Bank transfer payouts get partial credit; crypto-only casinos get the base score, because crypto still works, just with an extra step.
Why withdrawals count most
A large bonus or a huge game library is worthless if your money cannot leave. So the formula favours casinos that pay out in crypto, offer many cash-out methods and allow small withdrawals. When we publish our own timed cash-out for a casino, the result moves the score: paid within an hour +1, within a day +0.5, longer than three days −1.
Where our facts come from
Licence numbers, operators, payment methods, limits, blocked countries, game counts and bonus terms were compared on 3 Oct 2026 with each casino's profile on LatestCasinoBonuses, a large casino database. Each review links to the profile it used. Our own deposits and withdrawals are added to the reviews with the date, method, amount and time taken.
What we do not do
- Copy ratings or user scores from other sites.
- Present other websites' exclusive bonus codes as our own offers.
- Hide a missing licence number: the review says so and the score goes down.
How often we re-check
Terms are checked again at least every 90 days, and straight away when a reader reports a problem. The date at the top of each review shows the latest check.