Shop bought scratchcards are physical whereas online scratchcards are virtual, but they way they work is almost identical. If you match the symbols required, you win the stated sum. Only online you receive your funds into your bankroll and offline, you need to take your winning scratchcard ticket to a retailer to claim your prize. Any sum under £500 is paid instantly but greater than this and a claim form must be submitted for the balance to be sent directly to your bank. Online scratchcards eliminate the leg work and processing times by crediting funds – no matter how big, directly upon winning!