Jackpocket vs theLotter vs Jackpot.com vs Lotto.com: Coverage, Fees, Regulation and Payouts (2026)

Lottery age: 18+ in Oregon and Minnesota, 21+ in Arizona (the 21+ banner above refers to sports betting). Lottery couriers order official tickets on your behalf; the state lottery pays the prizes. We may earn a commission from the theLotter links on this page; we have no relationship with Jackpocket, Jackpot.com or Lotto.com and do not link to them. Gambling problem? Call 1-800-GAMBLER.

Four companies account for most courier-ordered lottery tickets in the United States: Jackpocket, theLotter, Jackpot.com and Lotto.com. All four work the same way at the counter: you choose numbers in an app, an employee buys the official paper ticket from a licensed retailer, the ticket is scanned into your account before the draw, and the original goes into storage. The differences are in where each one may take orders, what it charges for the service, how it is regulated, and how prizes above the account-credit threshold reach you. This comparison sticks to those four questions and to what each company or its regulator has put in writing.

The short version

Sources: Legal Sports Report's 2026 online-lottery guide (operator state lists), Vixio's regulatory review (2025/26), bettingusa.com and LotteryUSA reviews of theLotter (verified 1 October and 21 July 2026), Wikipedia's theLotter entry (ownership, licences), and each courier's published terms. Where a cell says "verify", we could not find a current primary source and chose not to guess.

Coverage: who can take your order

Coverage is decided by state law first and by the company second. Texas, Indiana, California, Florida, Mississippi, Virginia and Wisconsin ban couriers outright, so none of the four operates there. New York and New Jersey license or register couriers; all three of theLotter, Jackpocket and Jackpot.com appear on those states' lists. Oregon's courier rules took effect on 1 January 2026, and Colorado and Arkansas allow couriers within their retailer rules.

Jackpocket has the widest footprint: Legal Sports Report's 2026 guide lists Arizona, Arkansas, Colorado, Idaho, Massachusetts, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, New York, Ohio, Oregon, West Virginia and the District of Columbia. DraftKings bought the company in May 2024.

theLotter US is narrower by its own account. Its US terms name Oregon, Minnesota and Arizona as its authorized states and require you to be physically in one of them when you order. Review sites list more states for the brand (bettingusa.com names seven as of 1 October 2026, and Wikipedia lists five), but this page works from the company's own terms until it says otherwise.

Jackpot.com lists Arizona, Arkansas, Colorado, Massachusetts, New Jersey, New York and Ohio.

Lotto.com publishes its own state list; it was one of the couriers active in Texas before the 2025 ban and no longer takes Texas orders.

Every courier geolocates you at order time. If you are standing outside a state where it operates, the order does not go through, whatever your home address says.

Fees: the only thing you actually pay the courier

None of the four takes a percentage of your prize. They earn a service fee on the order, and in New York and New Jersey the rules require that fee to be shown before you confirm. Published fee figures move around: LotteryUSA's July 2026 review of theLotter US says "expect to pay up to a 30% service fee" and notes that, depending on the state, it is charged either when you deposit or when you order; bettingusa.com describes the same fee as "a small convenience fee upfront" with no commission retained from winnings. Local reporting has quoted convenience fees in the 10% to 20% range for the other three, but the figures differ by source and year, so we quote none as current. Treat the order screen as the only authoritative number.

What the fee buys is the same at every courier: the trip to the retailer, the scan, the storage and the claim support. It does not buy better odds. A courier-ordered Powerball ticket faces the same 1 in 292,201,338 jackpot odds as a ticket from the corner store.

Regulation: who is watching

New York's 9 NYCRR Part 5014 is the strictest framework: licensing, geolocation, independent testing of the platform, a self-exclusion list, a lottery-scam warning on the platform, and advertising pre-approval. Section 5014.17 forbids a courier from describing itself as a place to "play" lottery games or "buy" tickets, which is why every courier's own copy talks about ordering. New Jersey's N.J.A.C. 17:20-12 requires registration, responsible-play compliance and the Director's written approval before any winner is announced. Oregon makes the retailer responsible for its courier's compliance and caps bulk purchases.

theLotter's international site is run by Lotto Direct Limited under a Malta Gaming Authority licence (MGA/CRP/402/2017), which is what non-US customers use when they order a US Powerball ticket from abroad. Its terms restrict access by jurisdiction, so check availability for your country.

Prizes: what happens when you win

Small prizes are credited to your courier account at all four companies; theLotter US's terms credit prizes of $599 or less and send $600 or more to the state lottery's claim process. Above the threshold, the courier releases the physical ticket to you and you claim from the state lottery under its normal rules, in person for the largest prizes. Federal withholding applies at 24% on prizes over $5,000 for US residents and at 30% of gross winnings for non-resident aliens (IRS Publication 515), before any state tax.

Which one, then?

• If you are in Oregon, Minnesota or Arizona and want the one courier in this group that also runs an international service, theLotter US is the only one we hold an affiliate relationship with and the only one we link to: order a Powerball ticket or a Mega Millions ticket through its courier, and check the fee on the order screen before you confirm. Age 18+ in Oregon and Minnesota, 21+ in Arizona.
• If you are in one of Jackpocket's other states, Jackpocket is the only option on this list, and we have no link for it.
• If you are in Texas, Indiana, California, Florida, Mississippi, Virginia or Wisconsin, no courier may serve you. Your state lottery's website will say whether it sells tickets online itself.
• If you are outside the United States, see theLotter's international service on its geo-routed home page; the US couriers do not serve non-US customers.

The honest summary: the four are more alike than different, and the choice is usually made for you by the state you are standing in.

Operator state lists, fee descriptions and regulatory statuses are quoted from the sources named above as of October 2026 and will change; the courier's order screen and your state lottery's site are the final word.

Frequently asked questions

Which lottery courier is available in the most states?

Jackpocket, which Legal Sports Report's 2026 guide lists in 16 jurisdictions including New York, New Jersey, Ohio, Massachusetts, Colorado, Arizona, Oregon, Minnesota and the District of Columbia. theLotter US told us it is open in Oregon, Minnesota and Arizona; Jackpot.com lists seven states.

Do any of these couriers take a cut of winnings?

No. All four charge a service or convenience fee on the order, shown before you confirm; prizes are paid in full by the state lottery, less tax.

Is theLotter the same company as theLotter.com?

Yes. Lotto Direct Limited of Malta runs theLotter.com's international messenger service under a Malta Gaming Authority licence, and its US courier operates through NJ Lotto LLC. The international terms restrict access by jurisdiction; US customers use theLotter US in Oregon, Minnesota and Arizona.

Why do you link only to theLotter?

We hold a disclosed affiliate relationship with theLotter and none with Jackpocket, Jackpot.com or Lotto.com. We describe all four from published sources but link only where a relationship exists.

Can I use a courier from Texas?

No. Texas Senate Bill 3070, effective 20 June 2025, prohibits lottery courier services, and all four couriers stopped taking Texas orders.