Lotto.com review (2026): fees, licensing, states and prize rules

Who it’s for

Lotto.com is for players who want to order official lottery tickets online and who value knowing the cost in advance. It is one of the few couriers that publishes its full fee schedule, and it holds courier licences in New Jersey and New York. It is the wrong choice for anyone who wants to pay face value, because the convenience fee on draw tickets is 25%.

The central point for a first-time user is that you are buying a service, not a ticket. Lotto.com is a courier that orders official state tickets on your behalf and delivers them digitally. The lottery itself is run by the state.

How it works

You open an account, fund it, and place an order for a game. Lotto.com orders the official ticket for you. You must be physically present in an eligible state to order. The company, Lotto.com Inc., is based in Jersey City, New Jersey.

The service is open in 12 jurisdictions: Arizona, Arkansas, Colorado, Maine, Massachusetts, Minnesota, Nebraska, New Jersey, New York, Ohio, Oregon and Puerto Rico. A minimum age is not stated on the support pages we checked, so follow the age rule of your state’s lottery and confirm it in the app. If you live elsewhere, check our state pages for what is available to you.

Odds and value

Lotto.com does not change the odds. Powerball keeps its 1 in 292,201,338 jackpot odds and 1 in 24.87 any-prize odds, and Mega Millions keeps 1 in 290,472,336 and 1 in 23. Those are the official figures. Only the cost of your ticket changes.

The fee is where the value question sits. The published schedule is a convenience fee of 25% on draw-ticket orders and 12% on Keno. Scratch-off fees are flat by ticket price: $1.50 on a $5 ticket, $3 on a $10 ticket, $4 on a $20 ticket, $4 on a $30 ticket and $6 on a $50 ticket. In Maine and New York the fees are applied when you fund the account, and third-party payment processor fees may also apply.

A 25% fee on a draw ticket is the heaviest premium among the apps we review. Expected return falls with it, so a player who buys often will feel the cost. The scratch-off schedule is gentler, particularly on higher-priced tickets. Our methodology explains how fees feed into the odds and value score.

Trust and regulation

Lotto.com says it holds official courier licences in New Jersey and New York, and its own support page on legality is the source for that. Licensing in those two states means the courier operates under a state regime, which is a real difference from a service with no licence. For the other states on the list, we did not find a specific licence stated, so the protections come from the company’s terms and the state’s general rules.

Lotto.com publishes its fees, says it never takes a cut of prize money and describes how small prizes are paid. Those are all points in its favour. We have no regulatory action or news item against the company in our data, which is not the same as a clean bill of health, so read the terms before you deposit.

Claiming prizes and taxes

Prizes under $600 are credited to your account, with the threshold varying by state, and can be withdrawn free of charge. Lotto.com says it never takes a cut of prize money. Larger prizes are a different matter, and the support pages we checked do not walk through the full process, so we do not describe it here. Because the underlying ticket is an official state ticket, the lottery’s own rules on claim deadlines, tax and winner privacy apply to a large win. Look at the page for the state where the ticket was bought and read our guides before you play.

Playing online

Everything about Lotto.com is online, so the practical points matter. You need to be in an eligible state when you order. Third-party payment processor fees may apply to funding. The helpline for gambling problems is 1-800-GAMBLER; we did not confirm a self-exclusion tool on the pages we checked.

If your state offers an official online lottery, you avoid the courier premium entirely. See PA iLottery, Michigan Lottery Online and Virginia Lottery Online. For a comparison with another licensed courier, read our Jackpocket review.

Our take

Lotto.com is clear about what it charges and licensed in two states, and those are the right things for a courier to be. The price of that clarity is a fee that is high on draw tickets. We would recommend it to a player in a covered state who understands the 25% premium and plays occasionally, and we would point a frequent player toward an official state app first. Set a budget and check the order total before you confirm.

Frequently asked questions

Is Lotto.com legal?

It says it holds official courier licences in New Jersey and New York. Availability elsewhere is limited to the 12 jurisdictions listed above.

How much does Lotto.com charge?

A 25% convenience fee on draw tickets, 12% on Keno and a flat fee on scratch-offs of $1.50 to $6, depending on ticket price. Processor fees may also apply.

Does Lotto.com take a share of my winnings?

It says it never takes a cut of prize money. Prizes under $600 are credited to your account and can be withdrawn free of charge.

Does it change my odds?

No. The odds are those of the official game.