Understanding gaming purchases

In-game purchases and microtransactions have become a common feature in many video games, allowing players to buy virtual items or enhancements. While these might seem harmless at first glance, many use chance-based mechanics similar to gambling, requiring careful consideration when supporting young people.

Types of in-game purchases

Games offer multiple ways to spend money within their virtual worlds. Cosmetic items like character skins, outfits, emotes, and special animations let players express themselves without affecting gameplay. Functional items such as power-ups, weapons, and equipment can provide actual advantages by enhancing abilities or providing new capabilities.

Virtual currencies

Virtual currency systems add complexity to in-game spending. Some currencies can be earned through regular gameplay, while premium currencies are typically harder to earn and often require real money purchases. This dual-currency approach can make it difficult to track real-world spending.

Loot boxes

Games frequently use loot boxes – randomised rewards containing unknown items until purchased and opened. The anticipation and uncertainty of these purchases can trigger psychological responses similar to those experienced in gambling activities, which is why some countries have introduced specific regulations around these features.

Expansion packs

Many games also offer expansion packs adding new levels, characters, or storylines, and subscription services providing ongoing access to exclusive content or benefits.

Supporting safer gaming experiences

Research and understand

Take time to learn about the types of purchases available in the games your child plays. Check reviews and ratings to understand both the game’s content and its monetisation strategies. Regular engagement with their gaming helps you spot potential concerns early.

Set clear spending limits

Use parental controls on gaming devices to manage spending and require approval for purchases. Help children develop financial literacy by discussing budgeting and setting clear rules about in-game spending. Consider creating a specific gaming budget together, helping them understand how to make choices about their spending.

Monitor gameplay

Keep track of which games your child plays and their spending patterns. Make time to play together – this will help you understand game mechanics, appreciate what engages them, and creates natural opportunities for conversations about spending decisions.

Be aware of psychological influences

Many games use sophisticated techniques to encourage purchases. Limited-time offers create FOMO (Fear of Missing Out), while multiplayer games can generate social pressure to buy items to keep up with friends or teammates. By understanding what drives these in-game purchases, you can help young people make more conscious choices.

Parent playing video games with their kids

Know the signs

Watch for signs that purchases might be becoming problematic, such as secretive behavior around spending, feeling pressure to keep up with friends, strong emotional responses when unable to make purchases or using money meant for other purposes on games.

Talk about the risks

Have ongoing conversations with your children about in-game spending and gambling-like mechanisms within games. Help them to understand the importance of online privacy such as ensuring that payment information remains secure, and protecting their personal details.