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 Out of the total tax rate, 10% of the net revenue is assigned to the Cyprus sports federationsmalta gambling license cost  Legalised entrepreneurs pay a Compliance Contribution

Oh, and there’s an additional annual licensing fee for either license set at $5,000. In Malta, the iGaming companies setting up their operations are subject to a number of administrative fees, payable to the MGA. Contact us for Online casino license for sale, Malta gaming license for sale, Curaçao gaming license for sale +97235104257. The Malta Gaming Authority (MGA) has announced changes to the regulations on gaming license fees to narrow the definition of start-ups, potentially ramping up costs for smaller gaming businesses. Any questions regarding any of these actions are to be submitted to. The cost of a Malta gaming license varies by category. The application fee is €2,330 and then a license fee of €8,500 is paid per annum. Depending on many factors you can get it for EUR 20,000 – EUR 32,000 flat fee. Rant Casino Bonus for payment 1000 % 250 free spins . The most common type of license is. Online Betting License Cost. Since then, Curacao became a go-to place for online gaming start-ups looking for licensing. malta gaming license cost The MGA applies non-refundable administrative fees upon an application for a Malta gambling license. Malta Gaming License Cost The MGA applies non-refundable administrative fees upon an application for a Malta gambling license. Specific administrative fees. The required share capital is 100,000 euros. In terms of the licences available in Malta, a gaming licence is available from the Malta Gaming Authority (MGA) for business-to-consumer (B2C) gaming operators; while a separate licence is available for business-to-business (B2B) (critical). For example, if you apply . +356 793 349 48 [email protected] or +356 2546 9000. Annual license fees as well as compliance contributions are also to be paid to the MGA based on revenue generated and the license type, whether within a B2C or B2B framework. Popular iGaming jurisdictions Malta. Gaming tax is only 5 percent of revenues; there is also a compliance contribution (between 0. There are also various monthly hosting and maintenance fees. In comparison to other countries, the AAMS gambling license is extremely valuable. money_gate. Other services. First of all, you have to pay a £370 non-refundable fee to apply for the permission. 583. We offering a range of ceremonies, including company formation, assistanc. It provides a secure regulatory environment for cryptocurrency enterprises and reasonable fees. May 19, 2022 Malta Gambling License: How to Get a Gambling License in Malta in 2023 ‍ Why Do I Need a Gaming License? To organize a legal online casino, you need to. Licence Classes. Over 500 gaming businesses with a knowledge cutoff of 2021 are based in Malta and employ more than 10,000 people. With its growing reputation and attractive features, it has become the industry’s most popular option. Annual fees Information and guidance about annual fees for operating licence holders. The commission analyses a business plan, the. Malta online gambling license price is dependent on the class of license (B2B or B2C) and if it is B2C, then on the license. 0. It’s probably you’ll end up paying too much if someone tells you the final amount for the Malta online gambling license cost. 583. Indiana. Online gaming licenses can cost anywhere between $15,000 and $100,000. Choose Online Gaming License Malta from DD Consultus and choose advantageous corporate and gaming tax rates. 12, adopted under that law. This is the easiest casino game to play. Our Work Annual Reports & Audited Financial Statements Regulatory Framework Partnerships Publications Consultations Guidance Notes News. minimum 40,000 EUR. Application fee (includes cost of conducting due diligence checks and the first annual licensing fee): $35,000. What is the cost of a gambling license in Curacao, including taxes and fees? The cost of obtaining a Curacao license depends on the client's project, the type of activity, and the final goal. mga@mga. Plenty of online casino operators hold a license from the Malta Gambling Authority. Share Capital requirements subject to the class of gaming license applied for. There are a number of popular online gaming license jurisdictions including Malta, the Isle. retail and online sports betting, fantasy sports (DFS) CPA ( vendor minor ) license - $350 - Revenue share ( vendor major ) - $1,200 & charges for background checks. Yet all of these features anreisen at a pricing. If you choose several iGaming services, you’ll need to submit an extended application. The Malta Gaming Authority, or MGA, is one of the most respectable gambling authorities that grant gambling licenses. AMGO iGaming Malta Limited – licence number MGA/B2C/163/2008 (Malta Company Registration C 92352) failed to pay the ‘Gaming Licence Fees’ of € 13,915. Nevertheless, owning the document. The price varies depending on the license type and the gaming practices’ scope. There are however costs for setting up a company in Costa Rica for gaming purposes. To obtain a gambling permission in Malta, you should pay several taxes and obligatory payments. L. The gaming industry has been expanding in Curacao since 1966. The license is granted for a five-year period. €10000. The average cost of obtaining a gambling license is from fifteen to twenty thousand dollars, and it includes the following components: the registration of the company within the territory of the selected country; the commission fee for filing an application (non-refundable); payment for the work of a local accountant, lawyer, and other consultants;to 2022 included the licence fees and levies and a 5% consumption tax on customers located in Malta, in line with the Gaming Tax Regulations (S. Malta. Gaming License Fees applicable to licensees in Malta are comparatively less expensive than in other gaming jurisdictions. Businesses can provide their gambling services for up to nine years under Italy's gambling law and regulation. The Cost of Malta Gaming License. Antigua and Barbuda. The Malta Gaming Authority (MGA) announced the suspension of BetDino’s gambling license last week after the operator failed to provide the regulator certain fees that it was liable to pay. It is important to note that this is only the initial annual cost, and additional expenses may arise during the preparation of documentation and audit stage. The Curaçao license comes with a low cost of entry, low tax rate, and no market restrictions. In Malta, the iGaming companies setting up their operations are subject to a number of administrative fees, payable to the MGA. 583) and its relevant directives are listed here-under. Cost of gambling license [casino, betting, bingo etc. The Curacao income tax is just 2% and is not subject to VAT or corporate profit tax. A fixed annual licenсe fee – €25,000; flexible taxation – 0. 000;The Maltese gambling license isn’t cheap. The Type 3 license is for the games where people are not playing against the house, that is merely collecting playing fees. Malta issues B2C licenses of the following four types: Class 1 – Games whose outcome is determined by a random number generator: casino,roulette. 000 for renewing the permit. The best thing is how much a gambling license costs in South Africa. Player Trust Displaying the Malta gambling license on your platform will bring a great deal of player trust and confidence. 10% of the net gaming revenues. Average time it takes to obtain a license: 12 – 16 weeks. Cost by a Malta gaming genehmigung, how to get your Casino licensed in Malta. I. Malta Online Gambling License. It’s possible to pay between €3,330 and €3,700 for a cryptocurrency license in Estonia. Quick Overview. 32321 Gambling license Malta gambling license How to start a casino business Table of contents Online gambling. The cost of a Malta gaming license varies by category. Class 2 – Remote license for sports betting. The gaming taxes are €4,660 per month for the first 6 months after the ‘go live’. Those with a cross-license agreement with the British administration can apply for a gaming license in the UK. The cost of applying for a remote gambling licence fee is £30,000 which is non-refundable. collecting gaming licence fees, gaming taxes, compliance contributions and gaming levies. 583) and its relevant directives are listed here-under. Type 1 licenses will cost €2,330, Type 2 licenses will cost €1,165, and Type 3 licenses will cost €4,660 as of September 2021. Malta Gaming License costs and fees. Malta Gaming Authority issues licenses that permit both fiat and crypto gaming. L. Wherein, the total amount of income must not exceed. Thus, the cost of getting a gaming license in Nigeria, as well as its renewal, depends entirely on which authority will regulate the company. € 500 – Material Supply Certificate. You can offer gambling from Curacao, but not within the territory. Malta Gambling License Cost. Since March 2020, the Curaçao Gaming Control Board (GCB) has been tasked with the licensing for and supervision of the online gaming sector on behalf of the Minister of Finance. The. Learn about Malta Gambling License prestige, benefits, requirements, cost,… and much more The island of Malta is considered as the gold standard of iGaming licensing . It means there are no gaming fees or any other fees involved. BetDino loses gambling license in Malta. How Much Does a Casino Licence Cost in Malta? The Cost of Preparing B2C Documents The Expenses for B2B Permit Holders 5. taxation into on fluid with two main layers; licence licensing. 04) issued under the Lotteries and Other Games Act (Cap. Malta – If you’re looking to obtain a cryptocurrency license, Malta is another prominent jurisdiction. Curacao, on the other hand, has cheaper options and only needs one license to cover all types of gaming, which is why startups like it so much. Any person in possession of a gaming service or a critical gaming supply licence issued by the Authority shall pay to the Authority a licence fee that depends on the type of. 75%. minimum 40,000 EUR. Anjouan gaming license; Anjouan (Comoros) Gaming License; Anjouan Corporate Services; Anjouan Comoros Gaming 2023; Malta Gaming. comGambling Licence in Malta - Corporate Services, Registration, Bank Account and Legal Support - Remote Process. The Malta Gaming Authority would like to inform its licensees and the general public that the. Shareholders: 70% UK company, 30% Swiss individual. Cost of License Renewal: From £5,000 to £50,000, depending on the type of license purchased. Application and Cost. Only Type 4 game providers are exempt from this rule; they must pay a set licensing cost of €10,000 per year instead. The package cost is highly competitive compared to other online gambling licensing jurisdictions, and the Malta annual renewal fees are significantly lower than in other jurisdictions. For gambling companies, the most tempting factor about Gibraltar Gambling license is the low taxation system. Curacao has been offering an online gambling license since the mid-90s. Some countries have very expensive licenses, including Spain and Gibraltar, where the license fee is per game. Banking needs: To receive payment from their merchant account outside of the EU – SWIFT EURO. The Malta Gaming Authority (MGA) is responsible for licensing and regulating all forms of gaming in Malta, including Malta remote gaming license, land-based gaming, and national lotteries. Malta is a Mediterranean island, which is also a member of the EU. Compliance with these rules is mandatory and will be checked by the owner of the major permit that licenses you. The Malta Gaming Authority (MGA) is the body that regulates and is responsible for the governance of any form of gaming in Malta. Getting a gambling license there are not easy or low-cost, but it’s worth it for some operators. Whilst the tax rate can be as low as 0% for some businesses operating in Malta, there are additional considerations such as annual license fees, gaming taxes, and compliance contribution fees. operators can offer a B2B or B2C supply of controlled skill games such as fantasy sports. A B2C licence may constitute any one or more of the following game types: Type 1 gaming services – games of chance played against the house, the outcome of which is determined by a random number generator, and which includes casino-type. B. Previously, a start-up owner had to generate less than €10m in revenue from gaming or related sectors during the previous financial year,. One-time, non-refundable Application Fee. 438. You have to pay incorporation fees, license fees, Professional fees, Audit associated fees. To obtain a gambling licence with the Malta Gambling Authority, there are several taxes and obligatory payments. Types of Malta gambling licences. It boasts a long-standing heritage of culture and history and is also known for its stable democratic administration, attractive standard of living at reasonable cost and modern and vibrant life-style. The benefits of Curacao B2B and B2C gaming licenses. Licenses are typically issued for ten years. CSB Group offers a “one-stop-shop” service to online gaming operators by assisting in setting up / re-locating their iGaming operation to Malta. And the hosting of gambling functions should remain in Malta. These can range from around $16,000 in our favorite location, Curaçao, up to quarter of a. In Malta, a B2C gaming service license can cost €25,000 per year. The licenses are expensive, complicated, and take a long time to get. Both of these licenses are required to run a. All Enforcement Actions taken by the Malta Gaming Authority in accordance with the Gaming Act (Cap. Taxes: From 0. All hosting and servers must be located in Malta to comply with the criteria of the Malta online gaming license. The Malta Gaming Authority acts in a similar way as any other national gambling regulator, by overseeing the activity of licensed casinos and gambling websites since 2001. The new Legal Notice 409 of 2017 can be accessed from below. Part of the Betsson stable of casinos, Rizk has been in operation for a while, but only obtained its Malta licence in 2022. Advantages of. Kenya. In addition to the licensing application fee, annual fees are required. In addition, there are annual payments. GBO’s package, last update 20. Licenses have a validity of 5 years and the gaming tax is of 0. Costa Rica Gaming License Cost. Annual license fees as well as compliance contributions are also to be paid to the MGA based on revenue generated and the license type, whether within a B2C or B2B framework. If you considering getting a Curaçao gaming license, then you should know that is a decent option for new companies. money_gate. For instance, a gaming license from Curacao typically ranges between 20,000 to 25,000 Euros, while a license from Kahnawake may cost around 50,000 USD. 50%. The MGA has stringent licensing requirements and only issues licenses to operators who can demonstrate. B2C Type 1 gaming operators are subject to the following Malta gaming licence costs, taxes, licence and administrative fees: Non-refundable fixed annual licence fee. Think of your real money play as a performance. A set yearly licensing cost of €25,000 is imposed on each licensee of B2C gaming services. The status of international company and business support by respected organizations are the benefits after buying online gambling license. The report shows that the number of new casino players at MGA-licensed operators rose by 56 per cent from 75,262 in 2021 to 170,303 in 2022. The gambling license cost will vary depending on the license type we have considered above. The basic license costs around €17,500 up-front, plus a sliding rate based on revenue which can top out at €750,000. Fee: EUR 17,900 per year. On average, the total set up cost is around $22,000, which is one of the lowest prices for such a license on the market. Nowadays, the Gaming Authority is responsible for regulating over 300 online operators, and around 50% of the country's international bandwidth is used by remote gaming. by Muhammad Gregory, 10 March 2023. The Annual license fee in respect of class 1, class 2 and class 3 - Eur7,000 per class / license. Malta is regarded as the gold standard in terms of iGaming. The cost of starting such an operation is represented in the table below: Gaming License + NV Incorporation. The license fee is an annual fee that must be paid for the duration of the license’s validity. The initial requirement is to pay a fee of 20,000 units, with each unit costing $1. Compliance contribution. с 10:00 до 16:00 . The Gambling Supervision Commission ('GSC') is an independent statutory board established in 1962. After joining the European Union in 2004, the Malta Gaming Authority licence became one of the most popular jurisdictions for online operators. Only sportsbooks. The Curacao gaming license encompasses two types: master licenses and sub-licenses. New business opportunity – gambling license in Curacao for sale. The required authorized capital is 100,000 EUR. Premises license — This license type is issued by local authorities that permit premises to host specific gambling operations. Taxes: From 0. Advantages of having Maltese gambling certificate 7. What is the licence fee and when is it due? Any person in possession of a gaming service or a critical gaming supply licence issued by the Authority shall pay to the Authority a licence fee that depends on the type of approval in line with the Gaming Licence Fee Regulations (S. Only well-established, financially stable gambling companies can afford to apply for a Malta license. Malta Gaming License. Its license is one of the lowest cost and also the quickest to acquire. The Malta Gaming Authority issued licenses that delivered tax receipts of more than $1. Each heading holds a. Malta Online Casinos: How to get an Online Gambling License in Malta? Read along with us as we explain the process!12 Malta Gaming Authority act Sheets 2023 13 A gaming service licence is a business-to-consumer licence (B2C) to offer or carry out a gaming service. Then you’ll have to pass a lot of inspections, such as a. The answer is unequivocal yes. Business plan. As we already mentioned, the tax policy in Gibraltar is affordable for most operators. The regulatory framework applicable to both online and land-based gaming in Malta is consolidated into the Gaming Act (Chapter 583 of the Laws of Malta – "the Gaming Act"), and Subsidiary Legislation 583. Additionally, an operator applying for the license. The UK . Operators licensed by the Malta Gaming Authority must offer players the ability to self-exclude for either a definite or indefinite timeframe. In a competitive market, gaining and retaining the trust of customers is extremely important. L. The cost of an MGA license can go up to €100,000 or more for the establishment of the company and the license itself. GBO Malta's licensing experts will assist they on obtain your MGA license inclusion banker accounts, merchants, software and everything that you need to. Contact Us. Therefore, Maltese remote gaming companies will only pay the applicable gaming tax of 5% on gaming revenue generate from Malta-based players. Gaming license of the Northern Territory of Australia. Malta online gambling license price is dependent on the class of license (B2B or B2C) and if it is B2C, then on the license types for services that are being offered. Nowadays, the Gaming Authority is responsible for regulating over 300 online operators, and around 50% of the country's international bandwidth is used by remote gaming. Tel: +356 2546 9000. The Licensee is required to submit the completed ‘Licence – Licence Surrender’ application via the LRMS, with at least twenty (20) days’ notice. The information is constantly being updated by the MGA in order to keep the latest information readily available. Annual license fees as well as compliance contributions are also to be paid to the MGA based on revenue generated and the license type, whether within a B2C or B2B framework. For example: sports betting and player-versus-player poker;We will assist you to obtain your Mtala gaming license GBO has been helping companies obtain Malta Online Gaming Licenses been 2009, and we can assist you. The United Kingdom. The Isle of Man’s gambling tax policy is highly competitive, which makes it a very attractive place to live and start a business. You have to pay incorporation fees, license fees, Professional fees, Audit associated fees. Single license for different types of gambling. Cryptocurrencies:. In case that operators are applying for multiple licenses, they’re liable for cumulative shared capital per license, up to a maximum of EUR 240,000. 25% of the operator’s turnover. To get hold of an online betting license and diversify your online casino even further, GamingLicensing offers you help with the following price tags: Gaming License + NV Incorporation. Types of Malta gambling licenses. Malta’s gaming license. Claim. Malta . Renewals involve submitting updated information, and financials, and paying renewal fees. The license fee is €25,000 and a request for the application processing costs €2,300. About america; Willingness LinkedIn; WhatsApp: +972504938469; Contact: [email protected]When in the process to open an iGaming company in Malta, one of the lengthiest procedures is to apply for the license that allows you to operate. operators can offer a B2B or B2C supply of controlled skill games such as fantasy sports. "The Gaming sector is a dynamic and growing sector in Malta, and is regulated under the provisions of the Gaming Act (Cap. 1. And finally, the minimum issued and paid-up capital in Malta is from 40,000 to 100,000 euros. GBO specializes in helping clients to obtain a Malta Gaming License - costs, legal and requirements, as well as providing additional services such as assistance with opening bank accounts and merchant accounts. For each hosted operator that lacks a Class 1, Class 2, or Class 3 license, a monthly tax of €1,165 is also due. Number of licenses types: 4 (B2B and B2C) Average cost: €36,000. 583. Malta has a long history in gaming legislation. Malta issues B2C licenses of the four following types: Class 1 – casino games and lotteries with guaranteed prizes. As of 1 January 2019, the new gaming license fees regulations will apply therefrom. Our experts will help you to obtain a license. 01 to 583. 4% and 2. Contact our experts about your Curacao Gaming License, WhatsApp us: +972504938469, email us: [email protected] Gaming License Cost. A license is issued for a period of 10 years. Some of the most popular gambling jurisdictions are Curacao, Malta, Alderney and the United Kingdom. These are average figures but may vary slightly for different licensees, depending on their requirements. These fees are determined by the operator’s annual income and license category. The Benefits of Malta Online Gambling Licences Malta is a unique Mediterranean island and a full member of the EU. In addition to the standard corporate taxation system, gaming companies licensed as B2C are required to pay compliance contributions which are variable fees depending on the type of license held by the operators. The payments range from a few thousand euros for a modest B2B license to several hundred thousand euros for a comprehensive B2C license. Malta charges license holders regular fees depending on the kind of license it holds. Applicants can file only after receiving or requesting an operating permit. Number of license types – 4. Malta Gaming Authority. — In Malta and the Isle of Man compliance requirements are more strict. According to the Gambling Tax Act, gambling business owners are taxed at a rate of 5%. Colorado. Contact Szilaghi Consulting to Get Your Kahnawake Gambling License. The price of a gaming license in Kahnawake can change based on the type of license and the applicant’s needs. Class 3 – a licence to promote and/or support remote gambling in or for Malta (an example of adenine Class 3 licence would includes poker rooms and peer-to-peer (P2P) gaming). Type 3 – Minimum €40,000. The gambling sphere in Kenya is regulated by Gambling Control Act, passed in 2019. Affiliate license requirement for. License type 3 is for peer-to-peer games, betting. 03), which may be found on the Authority’s website. The cost for PFLs and PMLs are £185 and £370, respectively, with an approximate processing time of eight weeks. Malta offers four different types of licenses. Premises license — This license type is issued by local authorities that permit premises to host specific gambling operations. Mr. The licence from the small island is called the Curacao Gaming Licence and is also held in high regard in the industry. B2B license fees are low as well but they tend to vary. A working structure with a license can cost over a. Like other EU gaming licenses, Malta gambling license cost is higher than other offshore licenses. If you want to know more about this theme, read our article – How to get Malta Gaming License in 2023. Open navigation. Malta Gaming Licence. As of November 15, 2023, the GCB shall be accepting and processing online gaming license applications from operators that wish to acquire an online gaming license. Non-refundable Fixed Annual Licence Fee. As a startup taking the first step towards online gambling, an Anjouan license is the most sensible choice. How Much Does a Gaming License in Malta Cost The expenses associated with securing a gaming license in Malta are contingent upon the license category and the nature of your gaming operations. Formerly known as the Malta Lotteries and Gaming Authority, the Malta Gaming Authority is one of the most reputable European gambling regulators. Each of the following licenses varies based on which gaming style it covers: Class 1 – Remote gaming license for online casinos and lottery-style games. Information relating to the Compliance Contribution fee can be found in the Gaming Licence Fees Regulations (S. Fees A license a fee of about £100. Getting hold of a Malta license involves a tough, time-consuming, and complicated procedure. The renewal of a Curacao license also incurs a cost equal to 6% of total sales. The New Gaming Act is. Country. In total, receiving a Malta gambling license for one year can cost from €100 000 and up to a few hundred thousand euros, depending on the needed certification types and amount of outside consultancy help. 10,000 euro. Malta’s gaming licenses are categorized as follows: Gaming Service license A business-to-consumer (B2C) license to offer or carry out a gaming service;. 25%. 000 to EUR 375. In comparison to Curacao, Malta has higher tax rates and license fees. 3. The cost of obtaining an online casino license can vary widely depending on the jurisdiction in which the license is being sought. The tables below show some of the fees levied by several prominent regulators (casino license cost). 5% of the licensee’s turnover. The Republic of Panama entices new casino owners because of the tax exemptions and low cost of entry. 583 of the Laws of Malta) and other applicable regulatory instruments (hereinafter referred to as the ‘Regulations’). 5BTC or 111% + 111 Free Spins!1. Casino Games2022. Curacao, on the other hand, has cheaper options and only needs one license to cover all types of gaming, which is why startups like it so much. Malta – If you’re looking to obtain a cryptocurrency license, Malta is another prominent jurisdiction. S. Successful applicants are issued a Maltese license which comes with the following annual fees: Gaming Service License – 10,000-25,000 EUR;The cost of acquiring a gaming license in Kahnawake is relatively low compared to other jurisdictions. 01 - Responsible Gaming Fund Regulations (not yet in force) S. The United Kingdom. 583. The exact cost depends on the type of license. 583. According to the. It’s like a private club where you’ve to pay to play. Malta is one of the most desirable and profitable online gambling jurisdictions in Europe. Malta Gambling License: Cost & Other Important Info This is a list of advantages to receiving Maltese gambling commission licenses: Fiscal benefits: 5% tax rate; Many lucrative advertising deals due to the prestige of the license; Suitable for all types of projects, all types of games;The process of getting a Malta gambling license involves various application fees and other costs associated with Malta gambling rules. Corporate structure: Curacao Company. Eu gambling market, eu gambling regulationsAn Introduction to accounting topics which are of significant relevance to the gaming industry. For example, the UK gaming license is only $9,000, but the tax rate on profits is a high 21% and it’s uncapped. Those operators who obtained a prestigious Maltese license. Annual fee for type 4 license. Player Hub Licensee Register Lodge a Complaint Safer Gambling Self-Barring Unauthorised URLs. 25% if the profits do not exceed €3 million and 1% for profits up to €4. Category: Success stories. The operator. New tax rules since 2018 will see online casinos with the B2C Type 1 license (that’s the one that lets you offer video slots) pay annual taxes on a progressive scale: of 1. Disadvantages of getting a Malta gambling license 8. 03 of the Laws of Malta) provide that B2C operators shall pay a variable licence fee, termed as a compliance contribution, which is calculated on the gaming revenue generated. Type 1: €100,000 - Covers RNG-based casino games, online lotteries, and virtual sports games. 3573 points. Online Gaming Licence: RNG games (lotteries, casinos, slots) 4,660 euros (starting from 6th month) 7,000 euros (starting from 7th month) Remote Betting Licence: Betting: 0,5% from each bet: Licence to Promote and Abet Gaming: Poker rooms, betting exchanges (P2P) 5% from income: Licence to Host and Manage Online Gaming Operators Excluding Licensee Rigid gambling requirements; $200,000 licence cost; 5-15% Gross profit tax rate; Thorough compliance testing;. Licensee Name 1x2 NETWORK MALTA LTD 21 Heads Up Limited ABRASERVE LIMITED AG Software. Over the years, it has established several online.