Quick checks
- Open the shop: list anything that changes stats, odds or access.
- Check whether paid characters or items can be earned, and how long it takes.
- Look for a "Paid random items" note and the published odds.
- Check whether paid power works in competitive modes.
- Switch on platform spending controls before anyone starts playing.
What counts as pay-to-win, and what doesn't
A workable test has three levels:
- Not pay-to-win: paid items are cosmetic, so they change how you look and nothing else.
- Pay-to-progress: paying saves time. You end up with the same things as a free player, just sooner.
- Pay-to-win: paying gets you power, odds or access that free players cannot realistically get, or can only get after a disproportionate grind.
The line between the second and third levels is where most arguments happen. A boost that saves an hour is minor; one that saves months starts to look like the intended way to play.
It also helps to separate pay-to-win from "pay-to-look-good". Players sometimes call any expensive shop pay-to-win, but an expensive outfit doesn't change a match. Keeping the definition tight makes the label more useful when a game really does sell power.
Read the shop before the trailer
Trailers sell the fantasy. The shop tells you the business. On most platforms you can see a game's add-ons before downloading, and once you're in, the shop is usually one button away. Look at what is actually for sale:
- Outfits, emotes and finishes only: a good sign.
- Characters or heroes: check whether they can also be unlocked by playing, and how long that takes.
- Upgrade materials, stat boosts or stronger versions of items: a warning sign.
- Bundles that mix cosmetics with power: read the contents, not the artwork.
Then check the game's own help pages or patch notes for how items are earned. Publishers usually explain whether characters can be unlocked through play, and changes to those rules are announced in update notes. If a game changes its model, our game pages update the receipt.
Red flags that money is buying power
- Stats on paid items. If a paid weapon or character shows higher numbers than its free equivalent, it is selling power.
- Energy or stamina systems that limit how much you can play, with paid refills.
- Paid-only modes or rewards in competitive play.
- Upgrade odds you can pay to improve.
- Rankings that reward account strength more than match skill, especially in team or squad-building games.
Look out for the language used in the shop as well. Phrases about being "stronger", "faster" or "ahead" of other players describe power, not style. Shops that only sell cosmetics tend to talk about looks, themes and collections instead.
Grey areas: time-savers, characters and early access
Many free games sell characters that can also be earned. That is fair if earning them is realistic, and much less fair if new characters are strongest at launch and slow to earn. Early access to new content, experience boosts and tier skips fall into the same grey area.
Ask two questions. Can a free player get the same thing? And how long would it take compared with how much you play? Our game pages score the free path's grind for exactly this reason. For how pass-based games handle this, see battle passes explained.
Timing matters too. Some games release powerful new characters, sell them straight away and make them earnable later. That approach rewards paying at launch, which is when competition for the new character is fiercest. Watch how a game handles the first few weeks after a new release.
Paid random items and the PEGI 16 label
Paid random items, such as loot boxes, card packs and gacha draws, are where pay-to-win and chance overlap. Paying more buys more attempts at the strongest rewards, and the odds are set by the publisher.
PEGI, the age-rating system used in the UK, now flags this directly. Under criteria announced on 12 March 2026, games submitted from June 2026 with paid random items default to PEGI 16, and in some cases PEGI 18. From October 2026, PEGI began updating existing digital-only games rated PEGI 3, 7 or 12 that feature paid random items to PEGI 16 with a "Paid random items" descriptor, with updates rolling out across storefronts over time. A "Paid random items" note on a listing is a prompt to look closely at what the draws contain.
Competitive versus co-operative: where it matters most
Pay-to-win hurts most in player-versus-player modes, where someone else's purchase decides your match. In co-operative or single-player content, paying for power mainly affects your own experience, and many players are relaxed about it.
So read pay-to-win claims in context. A game can sell strong items for its story mode while keeping its ranked mode fair, or the reverse. Check whether paid items work in every mode, or whether competitive modes level things out.
Matchmaking matters as well. Some games try to match players with similar account strength, which can soften the effect of paid power. Others match purely on rank, so a player who spent heavily can meet one who hasn't. Publisher documentation sometimes explains which approach a game takes.
UK protections worth knowing about
The UK hasn't banned loot boxes. Instead, the government welcomed industry principles published in July 2023, which commit to:
- technological controls that stop under-18s buying paid loot boxes without a parent or guardian's consent;
- clear probability disclosures so players can understand their chances;
- fair and lenient refund policies;
- better age-assurance technology and a public information campaign about parental controls.
The government said it would keep possible future legislation under review. In practice, published odds and platform spending controls are the most useful tools today. Set those on your PS5, Xbox, Switch or phone before play starts.
How Thefreetag rates pay-to-win
Each game page on this site gives a pay-to-win view based on publisher documentation, store listings and age-rating information, not on hands-on testing. We look at what the shop sells, whether paid items affect play, whether there are paid random items and published odds, and how long the free route takes. Our verdicts are editorial views based on those documented features, and we update them when a game's model changes.
Where documentation is unclear or changes often, we say so on the game page rather than guessing. If you spot that a game's shop or unlock rules have changed since the date shown on its page, the checked date tells you how current our receipt is.
Questions
Is a game pay-to-win if it sells characters?
Not automatically. It depends on whether those characters can be earned by playing in a reasonable time and whether paid characters are stronger.
Are cosmetic-only games ever pay-to-win?
Generally no, since looks don't change results. They can still use limited-time offers to encourage spending.
What does PEGI 16 'Paid random items' mean?
Under PEGI's 2026 rules, games with paid random items, such as loot boxes or gacha, default to PEGI 16. Existing digital-only games with them are being updated from October 2026.
Do games in the UK have to show loot box odds?
The UK industry principles published in 2023 commit companies to clear probability disclosures. They are industry commitments rather than law.
Can I get a refund for a loot box in the UK?
The industry principles commit to fair and lenient refund policies, but terms vary by platform and game. Contact the store you bought from first.
- https://pegi.info/news/pegi-expands-age-rating-criteria-interactive-risk-categories
- https://pegi.info/news/pegi-updates-age-ratings-existing-games-paid-random-items
- https://www.gov.uk/guidance/loot-boxes-in-video-games-update-on-improvements-to-industry-led-protections
Spotted a change? Tell us and we will re-check the receipt.
