Traditional approaches that seek to study Responsible Gambling (RG) mainly focus on evaluating platform-based intervention tools applied on gambling operator sites. This paper reports on the implementation, at the payment-solution level, of an intervention tool that gambling customers used to deposit their bets. The approach pre-commits customers to set a single-point spending limit on their payment gateway account, effectively enabling them to apply their budget setting on all gambling platforms on which they choose to play. Ten users who have used the provision for at least six months and on two different gambling platforms were selected for an in-depth interview. Based on the findings from content analysis, the article argues that payment-level intervention approach can potentially (1) provide the overall gambling population with better financial literacy regarding their gambling habits, which promotes responsible spending behaviour, (2) elevate the strain on users to set up intervention tools on every individual platform, and (3) serve as a preventive measure regardless of the existence or absence of intervention tools at gambling sites. Furthermore, the results affirm a gap in existing research and a need for comprehensive guidelines and strategies for financial institutions to positively contribute towards the agenda of RG. The findings of this study highlight the need for revisiting theoretical and philosophical foundations of intervention tool studies and gambling policymaking as well as calls for reassessing how we problematised harmful gambling. The paper contributes to the research on gambling intervention tools.

寻求研究负责任赌博 (RG) 的传统方法主要侧重于评估应用于赌博运营商网站的基于平台的干预工具。本文报告了在支付解决方案层面实施的一种干预工具，赌博客户用来存入赌注。该方法预先承诺客户在其支付网关帐户上设置单点支出限额，从而有效地使他们能够将预算设置应用于他们选择玩的所有赌博平台。十名在两个不同赌博平台上使用该条款至少六个月的用户被选中进行深度访谈。根据内容分析的结果，文章认为，支付级别的干预方法可以潜在地（1）为整个赌博人群提供更好的关于赌博习惯的金融知识，从而促进负责任的消费行为，（2）增加用户为每个人设置干预工具的压力平台，以及 (3) 无论赌博场所是否存在干预工具，都可作为预防措施。此外，结果证实了现有研究的差距，以及金融机构需要全面的指导方针和战略，为 RG 的议程做出积极贡献。这项研究的结果强调了重新审视干预工具研究和赌博政策制定的理论和哲学基础的必要性，并呼吁重新评估我们如何将有害赌博问题化。该论文有助于赌博干预工具的研究。