Those asking "How RTP is calculated?" often have a losing week behind them. Cashback promises to return part of what a player loses, and the promise is simple only on the banner. The share is taken from net losses over a set period, after wins and often after bonuses, and it may be paid in cash or in bonus funds carrying their own conditions. The details decide whether cashback softens a losing week or hardly registers.
Most cashback offers cap each payment and set a minimum loss below which nothing is paid. Some also restrict the games that count, leaving out table games or particular slots, so losses there never qualify. A cap turns a percentage into a fixed ceiling: a tenth of a large loss can be cut to a small flat amount. Reading the cap and the qualifying games together shows the most the offer can ever return.
Cashback is almost always calculated on net losses: deposits minus withdrawals and the remaining balance over the period, or stakes minus wins. A player who ends the week ahead receives nothing, whatever was staked along the way. Some offers count only losses made with real money, leaving out anything lost from bonus funds. The formula in the terms, often a single sentence, decides how much of a bad week really qualifies.
Not always: some offers leave out table games or particular slots, so losses made on those games never qualify for a refund.
Many offers set a minimum loss for the period, and a loss below that threshold returns nothing at all, whatever the advertised percentage.
Net loss is usually deposits minus withdrawals and the remaining balance, or stakes minus wins, and some offers leave out anything lost from bonus funds.
Cashback offers usually return between five and twenty percent of net losses, and the rate often rises as the player climbs a loyalty tier.
Cash cashback can be withdrawn at once, while bonus cashback carries wagering and sometimes a short deadline; the terms describing how the payment is credited say which kind applies.
A daily calculation pays on every losing day even in a winning week, while a weekly one nets the whole week and pays only if the week lost overall.