Sophia Dimitriou
iGaming Licensing Consultant · CJ Solutions
The Malta Gaming Authority (MGA) licence is widely regarded as the gold standard in online gaming regulation. Recognised across Europe and beyond, an MGA licence signals to players, payment processors, and business partners that your operation meets the highest standards of player protection and financial integrity. Here is a step-by-step guide to the application process.
1Types of MGA Licences
The MGA issues a single B2C Gaming Service Licence covering all types of gaming verticals — casino, sports betting, poker, and lottery. A separate B2B Critical Gaming Supply Licence is required for software providers and platform operators supplying to licensed operators. Both licences are valid for ten years and are renewable.
2Eligibility and Fit & Proper Requirements
All key persons — including directors, shareholders with 10%+ ownership, and senior managers — must pass a fit and proper assessment. This involves criminal background checks, financial soundness assessments, and a review of prior regulatory history. The MGA takes a zero-tolerance approach to undisclosed criminal convictions or regulatory sanctions.
3Technical and Operational Requirements
Applicants must demonstrate that their gaming systems are certified by an MGA-approved testing laboratory. The platform must meet strict requirements around random number generation, game fairness, data security, and responsible gambling tools. A detailed business plan, financial projections, and AML/CFT policies must also be submitted.
4Application Timeline and Fees
The MGA targets a processing time of four to six months for complete applications. The non-refundable application fee is €5,000, with an annual licence fee of €25,000 for B2C operators. Applicants should budget for additional costs including legal fees, technical certification, and the required player fund protection mechanism.
5Post-Licensing Obligations
Once licensed, operators must submit quarterly financial reports, maintain segregated player funds, implement a responsible gambling programme, and comply with ongoing AML obligations. The MGA conducts regular compliance audits and has the power to impose fines, suspend, or revoke licences for non-compliance.
Obtaining an MGA licence is a significant undertaking, but the commercial benefits — access to regulated EU markets, enhanced credibility, and favourable payment processing terms — make it a worthwhile investment. CJ Solutions has successfully guided numerous operators through the MGA application process and can manage the entire process on your behalf.