Banks
Banks see gambling harm at the money moment: repeated card deposits, overdraft pressure, failed bills, charge disputes, vulnerability disclosures and distress calls. StayClear gives customers a practical next action before payday or late-night spending pressure returns.
Monzo customers who have used its gambling block
Monzo gambling transactions blocked in 2024, reported by GamCare
Maximum respondent case fee for FOS complaints after allowance
Blocks add payment friction, but customers can still move money to another account, use another payment method, or reach operators through rails a single card-based block does not cover. StayClear adds a behavioural support layer before the payment choice.
FOS guidance recognises complaints where customers say a financial firm could have done more. One hundred escalated cases can mean up to GBP68k in case fees alone, before staff time, specialist review, redress, interest or legal cost.
Phase one can launch from a financial-wellbeing hub, gambling-block journey, branch referral or specialist support team. Deeper transaction-triggered journeys can come later.
Each deployment should be easy to explain internally: who receives access, why now, what happens next, and what evidence will be reviewed.
The hard cost starts with the GBP680 respondent case fee after allowance. The larger exposure is complaint handling, potential compensation, distress awards, interest, specialist-team time and repeat contact from vulnerable customers.
Monzo shows demand for blocks at serious scale. The next problem is coverage: a customer can transfer to another bank, use non-card payment methods or find a route that does not carry the same merchant-category signal.
StayClear complements bank friction with behavioural reminders chosen by the customer: payday, late night, sports fixtures, overdraft pressure, rent day and the hours after a loss.
Helping customers protect rent, food and bills reinforces the bank as a financial-wellbeing partner, not just a transaction processor reacting after the loss.
A vulnerable-customer team offers funded Premium access after a customer enables a gambling merchant block, raises a gambling-related complaint or asks for help with gambling debt. The first deployment measures activation, completed profiles, reminder delivery, repeat support contacts and complaint progression. No transaction feed is required for phase one.
Use the institution form to outline support journey, customer segment, governance needs and whether phase one requires integration.
