Peru Gaming License

A Peru online gambling license costs ~€840,000 in financial guarantee face value and takes 9 to 14 months end to end, or 5 to 9 months if your platform is already certified for an adjacent regulated market (Buenos Aires, Brazil). The regime, run by MINCETUR through its DGJCMT directorate, came into force in February 2024 under Ley 31557. Below: what the cost is built from, where the timeline gets stuck, and which operators it actually fits.

The barrier is the statutory guarantee: 600 UIT in face value, ≈ €840,000. UIT is Peru's tax reference unit, one UIT in 2026 is S/5,500. The law allows three forms: cash deposit, carta fianza (bank guarantee), or póliza de caución (surety insurance). On the bond route, you need approximately €330,000 in cash at engagement, not €840,000.

Tax: 12% on net winnings (effective ~10% after the platform maintenance deduction) plus 1% ISC (consumption tax) on every bet placed. Crypto is prohibited. Full timeline: 9 to 14 months, depending on lab certification path. Faster (5 to 9 months) only with adjacent regulated certification.

MINCETUR rarely rejects applications outright. It resolves dossier gaps through clarification requests (observaciones), not refusals. Plan for 2 to 4 months of back-and-forth on top of the 30-day statutory review.

What this page covers:

• Financial guarantee: ~€840,000 face value, ~€330,000 cash on the bond route

• 9-step licensing process with weeks and critical path

• Full cost breakdown: ~€425,000 in Year 1, then ~€355,000/yr, itemised below

• Tax structure: ~10% effective on net winnings + 1% consumption tax on every bet

• Three corporate structures for Peru market entry

• Peru vs Anjouan, Curacao, Kahnawake, Nevis — when each fits

What Is a Peru Online Gambling License?

A Peru online gambling license is a single MINCETUR authorisation under Ley N° 31557 that covers both remote casino games and sports betting. The 6-year licence requires a financial guarantee of approximately €840,000 (reducible to ~€330,000 via the bond route) and takes 9 to 14 months from engagement to live operation.

One License, Two Verticals: What MINCETUR Issues

Peru issues one operator authorization. There is no separate casino license. There is no separate sportsbook license. One filing with MINCETUR covers both.

DGJCMT is the gambling directorate inside MINCETUR. TUPA code: PA13107C95. License duration: 6 calendar years, renewable.

B2B suppliers do not get a separate license. They register with MINCETUR as Proveedores de Servicios Vinculados (Linked Service Providers). Each operator must hold its own authorization; one license cannot cover multiple brands run by separate commercial parties.

Who Can Apply for a Peru Gambling License?

Three structures qualify under Article 7 of Ley 31557:

• Peruvian S.A.C. or S.A. (100% foreign ownership permitted; minimum two shareholders)

• Peruvian branch (sucursal) of a foreign company

• Foreign legal entity without sucursal (via the foreign-NIT pathway — added by Ley 31806)

All three require a Peru-resident Legal Representative with powers registered in SUNARP and a Peru-resident General Manager under Ley General de Sociedades Article 185. Peru puts no nationality restrictions on shareholders or directors.

How Do You Get a Peru Gambling License? 9 Steps, 9 to 14 Months

Two tracks run in parallel. The first covers company formation, banking, and financial guarantee underwriting. The second covers platform lab certification against Estándares Técnicos I–IV. MINCETUR's formal review is 30 business days; clarification requests typically add 2 to 4 months on top. End to end: 9 to 14 months.

Step 1: Kick-off and Scoping (Weeks 1 to 2)

MGL reviews your UBO structure, corporate entities, capital position, and target market. You get a document checklist, a confirmed corporate vehicle recommendation, and a written go/no-go memo with estimated all-in cost.

Step 2: Entity Formation and Banking (Weeks 1 to 6)

Incorporate a Peruvian S.A.C., register a sucursal, or use the foreign-NIT pathway. MGL handles notary, SUNARP registration, RUC from SUNAT, corporate books, and registered office. Open a bank account at a Tier-1 Peruvian bank (BCP, Interbank, Scotiabank, BBVA). Gambling is a high-risk category; expect enhanced UBO due diligence at account opening.

Step 3: Compliance Framework and Officer Recruitment (Weeks 3 to 10)

MGL drafts the SPLAFT (AML/CTF prevention programme), AML/CFT policies, KYC procedures, and Responsible Gambling programme. We recruit and register your Primary Compliance Officer and Alternate Compliance Officer with UIF-Perú.

Step 4: Platform Lab Certification (Weeks 4 to 20)

Critical path. Engage a MINCETUR-accredited lab (GLI, BMM, eCOGRA, Gaming Associates, Asensi, Trisigma, Global Lab; nine accredited in total) to certify your platform, RNG, and game catalogue against Estándares Técnicos I–IV. A platform already certified for Buenos Aires or Brazil typically re-scopes in 8 to 12 weeks. A platform certified only for Anjouan or Curacao typically takes 16 to 24 weeks.

Step 5: Financial Guarantee Underwriting (Weeks 8 to 18)

Get a carta fianza bancaria or póliza de caución for the 600 UIT (≈ €840,000) guarantee. MGL handles bank and insurer introductions, parent-company guarantee structuring, and collateral negotiation. An established operator typically puts up 20 to 40% collateral. A new SPV with no track record should expect 70 to 95% collateral demand. Allow 6 to 10 weeks for underwriting.

Step 6: F-033 Dossier Preparation (Weeks 16 to 22)

MGL prepares the full F-033 package: signed form, sworn Article 11 declarations from every shareholder and director, UBO disclosure pack, pre-feasibility study with three-year financial projections, share register, and platform change-management description.

Step 7: Application Submission (Week 22)

MGL submits the dossier electronically via Ventanilla Virtual MINCETUR (TUPA code PA13107C95), or in person at the DGJCMT office: Calle Uno Oeste 050, Urb. Corpac, San Isidro, Lima.

Step 8: Regulatory Review and Observations (Weeks 22 to 36)

DGJCMT reviews the dossier and issues clarification requests as needed. Each request typically pauses the clock for 10 to 15 business days. MGL manages all regulator correspondence throughout.

Step 9: Post-Grant Go-Live (Weeks 36 to 40)

Run final platform homologation with a successful test transmission to the MINCETUR SFTP Data Centre under Estándares Técnicos IV. Register every game, jackpot system, live-casino modality, and sportsbook terminal in the MINCETUR registry. Publish the mandatory player-protection warning on every platform page. Live operation: Month 9 to 14.

Peru Gambling License Costs: €65 Government Fee Plus €840K Guarantee

Peru's costs break into three buckets: a near-zero government filing fee, a substantial financial guarantee that can be significantly reduced on the bond route, and third-party setup costs.

Government Fee

Financial Guarantee: Three Options

The law requires a guarantee at 600 UIT face value (≈ €840,000 at UIT 2026 = S/5,500) or 3% of projected annual net income (whichever is greater) held for the full 6-year license term.

On the bond route you save approximately €540,000 in initial cash versus the cash-deposit route.

Government and Third-Party Costs (Year 1)

Required Local Personnel: Mandatory, Year 1 Onwards

Cash Totals

Tax

The ISC is the tax that surprises most operators. It applies to every bet placed, regardless of outcome. Take a €1M monthly handle at 5% hold (€50,000 net winnings): ISC = €10,000; gambling tax = €5,000 (~10% of €50,000); combined gambling take = €15,000, or 30% of net winnings before corporate income tax. Sportsbooks and low-margin slots carry a heavier load than high-hold casino products.

As of May 2026, the 1% rate stands despite industry lobbying. Plan on it. Treat any reduction as upside.

What Does MINCETUR Require? Principals' Documents and the F-033 Dossier

MINCETUR requires two separate document sets. Translate all foreign-language documents into Spanish and have them apostilled before filing. MGL prepares the full package on your behalf.

Per Principal (10% or More Ownership or Key Management Role):

• Valid passport, notarised and apostilled from country of issue

• Proof of address (utility bill or bank statement, max 3 months old)

• Bank reference letter from primary institution

• Notarised, valued schedule of assets

• Credit bureau report from country of residence

• Criminal background check (apostilled)

• CV with professional history

• Sworn Article 11 declaration: no bankruptcy, no criminal convictions for fraud, money laundering, terrorism financing, tax crimes, or organised crime

For the F-033 Dossier:

• Signed F-033 form with RUC, registry data, legal representative details, and platform registration code

• Sworn list of all linked service providers with MINCETUR registration codes

• Article 11 declarations from every shareholder, director, manager, and registered representative

• Full UBO disclosure pack for every shareholder with 10% or more ownership

• Financial statements (last two fiscal years plus interim closing) or a pre-feasibility study with three-year projections for newly formed entities

• Share register (Libro de Matrícula de Acciones)

• Platform change-management description against Estándares Técnicos I–IV

• Sworn declaration that the Peruvian entity has not been sanctioned under Ley N° 30424

• Proof of TUPA fee payment at Banco de la Nación

Three Corporate Structures for a Peru Gambling License

If you're not sure which vehicle fits, MGL recommends one in the first call. Most operators end up on a Peruvian S.A.C. with 100% foreign ownership.

Recommended path for most operators: Peruvian S.A.C. with 100% foreign shareholders, certified platform via GLI or BMM, póliza de caución for 600 UIT secured against a credit line with a Tier-1 Peruvian bank.

Peru's Regulated Market: 91 Active Operators, $124M in Total Gambling Tax Revenue (End-2025, All Verticals)

Peru's online gambling market reached 60 authorized operators within its first operational year. Total gambling tax revenue across all verticals was ~$124M by end-2025.

Framework Timeline

Peru's online gambling market runs under Ley N° 31557 (August 2022), amended by Ley N° 31806 (June 2023), and brought into force on 10 February 2024 via Decreto Supremo N° 005-2023-MINCETUR. Since July 2025, a dedicated sub-directorate inside DGJCMT handles the online regime exclusively.

The Market in Numbers (2025)

• 145 applications in MINCETUR's first formalisation window (30 days)

• 60 platform authorisations in Year 1; grew to ~111 platforms by late 2025, consolidated to ~91 by early 2026. Service providers: 320 registered by Dec 2025.

• $124M total gambling tax revenue across all verticals by end-2025

• 34.4 million people: internet penetration 79.5%, mobile connections 115% of population

• Strong football culture: sports betting leads on volume

• Active licensed operators: Betano, Bet365, Betsson, Apuesta Total, Inkabet

Why Operators Choose Peru

• Full legal status, not a grey-zone operation

• 34.4 million addressable players, smartphone penetration above 80%

• 6-year transferable license, renewable

• 100% foreign ownership permitted, no local partner needed

• DGJCMT runs a predictable process — recognised as world's best gambling regulator at the 2025 industry awards

Key Constraints

The financial guarantee.

Face value ≈ €840,000 (600 UIT, held for 6 years at UIT 2026 = S/5,500). On the bond route: ~€330,000 cash at engagement, €16,000 to 32,000/year in annual premium. A new SPV with no operating history faces near-full collateral demand.

The ISC.

1% on gross turnover. Every bet placed, every day. This hits sportsbooks hardest.

Crypto is prohibited. Article 38(d) of the Reglamento bars licensed operators from processing or receiving crypto for any purpose. If you run a crypto-friendly offshore operation, you need a full fiat PSP stack before you apply.

You must use a MINCETUR-notified domain. Article 7.6 of Ley 31557 authorises five TLDs: .bet.pe, .bet, .com, .pe, or .com.pe.

Regulatory Risk

DGJCMT publishes Oficios Circulares roughly monthly; missing one is the most common cause of compliance friction. MGL monitors Oficios Circulares and alerts you to changes.

Proyecto de Ley N° 9645, before the Peruvian Senate, would give the MEF discretion to set the ISC rate for online gambling anywhere between 0.3% and 7%, without a further congressional vote. If enacted at the top of the range, a 7% ISC on turnover makes a 5%-hold sportsbook structurally unviable. The bill has not passed as of June 2026; treat a rate cut to 0.3% as upside and a rise toward 7% as the downside scenario in any multi-year financial model.

What the Financial Guarantee Actually Costs You

The TUPA fee is €65. The guarantee face value is €840,000. Both numbers are correct. The law gives you three forms specifically because a €840,000 cash lock is not realistic for most operators. The bond route reduces your real cash commitment to approximately €330,000 at engagement.

If you're a new SPV with no audited track record, the underwriter demands 70 to 95% collateral. At that point the bond route saves you little, and the cash-deposit option becomes the simpler choice. MGL diagnoses your credit profile before you commit capital, not after.

Payment Processing for Peru-Licensed Operators

Peru's crypto ban means you need a complete fiat PSP stack before you go live.

Domestic processing.

Peruvian players expect Yape, Plin, PagoEfectivo (cash-voucher rail), and bank transfer via BCP, Interbank, Scotiabank, or BBVA. International cards (Visa, Mastercard) work but carry 3–5% transaction fees plus higher chargeback exposure.

PSP onboarding takes 8 to 14 weeks

in parallel with your licensing track. MINCETUR authorisation is a strong signal for PSPs but does not guarantee approval — they still run their own underwriting on your UBOs, business plan, and platform.

Banking for the operating entity

is harder than the PSP. Gambling is high-risk for all four Tier-1 banks. BCP has restricted personal accounts for gambling-related transactions as part of a 2025–2026 SBS enforcement push; corporate accounts opened by licensed operators are not affected. BBVA, Interbank, and Scotiabank have not implemented equivalent personal-account restrictions. Expect enhanced UBO due diligence, parent-company guarantees, and 3 to 6 months from first contact to active account.

License Renewal: Same Process, No Grace Period

The authorization is valid for 6 calendar years, renewable for the same period. Renewal follows the same TUPA procedure as the initial application submitted before expiry. There is no grace period. If you do not renew in time, your operating rights stop immediately.

What triggers a mid-term review:

• Change of UBO or registered directors

• New game categories added to scope

• Material change to platform architecture, which requires re-certification against Estándares Técnicos III

• Change of linked service providers; each addition must be declared to MINCETUR

Ongoing Compliance: Real-Time Data, Annual Audits, Monthly AML

Peru's regime is light on capital-markets disclosure. It is heavy on technical, AML, and integrity reporting. DGJCMT publishes Oficios Circulares roughly monthly; missing one is the most common source of administrative sanctions.

AML / SPLAFT (UIF-Perú)

You are an obligated subject under Resolución SBS N° 03622-2025 (in force 15 October 2025; mandatory full implementation by 13 February 2026), which supersedes the online gambling-specific elements of SBS Resolution N° 789-2018. You must:

• Maintain a written SPLAFT (risk-based AML and CTF programme) approved by your board

• Appoint a Primary Compliance Officer and an Alternate, both registered with UIF-Perú

• Run full KYC on every player before their first deposit, with enhanced checks for high-risk profiles

• File suspicious-transaction reports to UIF-Perú

• Submit the Annual Compliance Officer Report (IAOC) per DGJCMT Oficio schedule, and the Semi-annual Compliance Officer Report (ISOC) to UIF-Perú

• Keep auditable records for at least five years

Technical and Integrity Obligations (DGJCMT)

• Transmit bet, prize, and player data to the MINCETUR Data Centre in real time, per Estándares Técnicos IV

• Annual platform audit (Informe de Auditoría Integral de la Plataforma Tecnológica) per Oficio 009-2026

• Annual integrity and security report (independent audit per Oficio 013-2025)

• Platform homologation renewal per Oficios 004-2026 and 008-2026

• Change management: your accredited lab must re-certify every material platform change

Player Protection

• Link your player register to the Registro de Personas Prohibidas (national list of banned and self-excluded players)

• Provide deposit-limit tools (Article 13.7 Reglamento) and self-exclusion on every account (Article 13.8)

• Display on every page: "La práctica excesiva de juegos a distancia y apuestas deportivas a distancia puede causar ludopatía"

• Verify geolocation; only players physically in Peru and over 18 may play

Advertising

Only MINCETUR-authorised operators may advertise online gambling in Peru. Every ad must carry the mandatory ludopathy disclaimer. Ads cannot target or feature minors. Misleading claims are prohibited. All gambling advertising must be pre-approved by MINCETUR before publication. Administrative fines reach up to approximately PEN 990,000 (~€220,000) per breach; serious violations can result in suspension or revocation. Operating without authorisation is a criminal offence carrying up to four years imprisonment under Ley 31806.

Peru vs. Other Jurisdictions

Peru is the only option that gives you full legal status to target Peruvian players. The trade-off is capital and complexity. If your operation is not yet at the scale where full regulatory status justifies the cost, start offshore instead.

When Peru Fits:

• You need full legal authorisation to target Peruvian players

• Your investors or banking partners require regulated status

• You are building a LatAm footprint alongside Brazil and Buenos Aires

• Your operation can carry ~€425,000 in Year 1, then ~€355,000/yr in fixed costs

When to Consider Alternatives:

• Your budget is under €30,000: Anjouan delivers a gaming license all-in at ~€23,000 in 4 to 6 weeks

• You run a crypto-native platform: Peru prohibits crypto entirely

• You need to be live within 9 months: Peru's minimum timeline is 5 months only for operators with platforms already certified for adjacent regulated markets

• Your capital position sits below the ~€330,000 bond-route threshold

Most operators who look at Peru end up on Anjouan: ~€23,000 all-in, 4 to 6 weeks, 0% gaming tax. If you are not yet at the scale to justify a six-figure regulated commitment, the Anjouan economics are hard to argue against.

Eight Risks That Catch Operators Off Guard

Each of these is fixable if surfaced at kick-off. Each becomes a deal-breaker if surfaced at week 22.

• 1% ISC on turnover hits harder than the GGR tax. Sportsbooks and low-hold products carry an effective 30%+ pre-corporate-tax burden. Proyecto de Ley N° 9645 would give MEF discretion to set the ISC between 0.3% and 7% — run a 3–5% stress scenario in any multi-year financial model.

• New SPVs face near-full collateral on the financial guarantee. Without a parent group and audited P&L, expect 70–95% collateral demand — at which point the bond route saves little versus the cash-deposit alternative.

• Lab certification is the longest single task on the critical path. Start at kick-off, not after entity formation. Platforms scoping from Anjouan or Curacao add 16–24 weeks before MINCETUR review can begin.

• Carta fianza underwriting takes 6 to 10 weeks. Banks ask for parent guarantees, multi-year audited financials, and detailed business plans. Allow time; do not start at week 16.

• 30-day statutory review is not the same as 30-day actual review. Each clarification request pauses the clock. Plan for 2–4 months of regulator-side review, not 30 business days.

• Article 11 impediments cover all shareholders with 10% or more. Fund-of-fund structures, nominee arrangements, and undisclosed UBO layers are grounds for rejection.

• Crypto is enforced, not assumed. Article 38(d) of the Reglamento prohibits processing or receiving crypto. Sanction can be license revocation. If you operate today on crypto rails, you need a complete fiat PSP stack before applying.

• Annual re-homologation is recurring work, not a one-time check. Platform audit, integrity audit, homologation renewal, monthly AML monitoring, and Oficios Circulares tracking are ongoing obligations.