Top Live Casinos

Find some of the best live dealer casino sites in 2021. 

Live online casinos – An authentic gambling experience

Live casinos deliver a fascinating experience that often outmatches the experience that physical casinos offer at their establishments. At CasinoRunner you’ll find everything you need to know about the live dealer casinos – the best of them, tips on winning, and how to choose the right one for you. Visiting a physical casino is a sensational experience. The glitz, the glamour, the lights, the colours, and people shouting in excitement – it’s a whole world unto itself. More importantly, you love to interact with the live dealers and even play against other players. That is real. You crave that kind of authentic gambling experience and online casinos have brought you precisely that.

Modern live casinos allow you to enjoy your favourite casino games against real humans, hosted by real dealers. Some games even let you to talk with other players and the dealer. Exciting, isn’t it? The best part is that you don’t have to travel anywhere at all. You get an authentic live casino experience from anywhere in the world. Today, CasinoRunner brings you the top live casino sites where you can enjoy high-quality gaming entertainment the likes of which you may not even find in physical casinos.

top live casinos
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New live casino sites 2021

badge price

100% up to €300

badge star

300 Free Spins

  • MGA licensed brand
  • Product from Genesis Global
  • Great customer service

General Information

Established:
2020
Support:
Live Chat, Live Chat, Live Chat, Live Chat, Live Chat, Live Chat, Live Chat, Live Chat, Live Chat, Live Chat, Live Chat, Live Chat, Live Chat, Live Chat, Live Chat, Live Chat, Live Chat

Games

Games assortment:
Jackpots, Jackpots, Table Games, Table Games

Payments

Pay N Play:
No

flag+18 | New Customer Offer. - Terms & Conditions Apply

badge price

100% up to €200

badge star

50 Free Spins

  • Brand new casino 2020
  • Superior Bonuses
  • Serious Operator

General Information

Established:
2020

Games

Games assortment:
Betting
Number of games:
800

Payments

Pay N Play:
No

flag+18 | New Customer Offer. - Terms & Conditions Apply

badge price

100% up to €150

badge star

20 Free Spins

  • Accept customers from multiple geos
  • Massive welcome bonus
  • Great customer service

General Information

Established:
2020

Games

Games assortment:
Jackpots, Table Games

Payments

Withdrawals within:
3h
Pay N Play:
No

flag+18 | New Customer Offer. - Terms & Conditions Apply

badge price

100% up to €300

badge star

200 Free Spins

  • Killer design & feel
  • Professional support
  • Great Welcome Bonus

General Information

Established:
2020
Support:
Phone, Phone, Phone

Payments

Payment providers:
EcoPayz, EcoPayz, EcoPayz, EcoPayz, EcoPayz, EcoPayz, EcoPayz, MuchBetter, Paysafecard, Paysafecard, Paysafecard, Paysafecard, Paysafecard, Paysafecard, Paysafecard, Paysafecard, Paysafecard, Paysafecard, Paysafecard, Skrill, Skrill, Skrill, Skrill, Skrill, Skrill, Skrill, Skrill, Skrill, Skrill, Skrill
Pay N Play:
No

flag+18 | New Customer Offer. - Terms & Conditions Apply

badge price

Easy Registration

badge star

Simply Pay N Play

  • Casino and Sportsbetting
  • Easy Navigation
  • Dual licenses

General Information

Established:
2019

Games

Payments

Withdrawals within:
12h
Pay N Play:
Yes

flag+18 | New Customer Offer. - Terms & Conditions Apply

badge price

100% up to €300

badge star

200 Free Spins

  • Home to leading software providers
  • Multiple payment methods
  • They hold a UK Gambling License

General Information

Established:
2020
Support:
Mail, Mail, Mail, Mail, Mail, Mail, Mail, Mail, Mail, Mail, Mail, Mail, Mail, Mail, Mail, Mail, Mail, Mail, Mail

Games

Game providers:
Number of games:
1000

Payments

Payment providers:
Maestro, Mastercard, MuchBetter, VISA
Withdrawals within:
1h
Pay N Play:
No

flag+18 | New Customer Offer. - Terms & Conditions Apply

badge price

50% up to €400

badge star

50 Bonus Spins

  • Badass look & feel
  • Bonus cash & Free Spins
  • MGA license

General Information

Established:
2020

Games

Games assortment:
Casino, Casino, Casino, Casino, Casino, Casino, Casino, Casino, Casino, Casino, Casino, Casino, Casino, Casino, Casino, Casino, Casino, Casino, Casino

Payments

Pay N Play:
No

flag+18 | New Customer Offer. - Terms & Conditions Apply

badge price

50% up to €200

  • Top tier software providers
  • There is live chat available
  • Mobile-friendly design

General Information

Established:
2013

Games

Game providers:
Blueprint Gaming Studios, Blueprint Gaming Studios, Blueprint Gaming Studios, Blueprint Gaming Studios, Blueprint Gaming Studios, Blueprint Gaming Studios, Chance Interactive, Elk Studios, Elk Studios, Elk Studios, Elk Studios, Elk Studios, Elk Studios, Elk Studios, Elk Studios, Extreme Live Gaming, Eyecon, Games Lab, Games Warehouse, Gamevy, Genesis Gaming, Genii, Iron Dog Studios, Iron Dog Studios, Iron Dog Studios, Iron Dog Studios, Lightning Box Games, Lightning Box Games, Lightning Box Games, Lightning Box Games, Lightning Box Games, Lightning Box Games, Lightning Box Games, Lightning Box Games, Playson, Playson, Playson, Playson, Playson, Playson, Playson, Playson, Rabcat Gambling, SG Gaming, SG Gaming, SG Gaming, SG Gaming, Skillzzgaming

Payments

Payment providers:
Euteller, Fast Bank Transfer, Interac, Interac, Interac, Maestro, Maestro, Maestro, Maestro, Maestro, Maestro, Maestro, Maestro, Pay by Phone, QIWI, Trustly, Trustly, Trustly, Trustly, Trustly, WebMoney, Zimpler, Zimpler, Zimpler
Withdrawals within:
24h, 24h, 24h, 24h
Pay N Play:
No

flag+18 | New Customer Offer. - Terms & Conditions Apply

badge price

100% up to €200

badge star

20 Bonus Spins

  • Top tier software providers
  • Mobile friendly design
  • Live chat present

General Information

Established:
2019

Games

Game providers:
2by2 Gaming, Ainsworth Gaming Technology, Aristocrat, Betdigital, Betsoft, Betsoft, Betsoft, Betsoft, Booongo Gaming, Booongo Gaming, Booongo Gaming, Casino Technology, Electric Elephant, Endorphina, Evolution Gaming, Ezugi, Ezugi, GameArt, GAMING1, Genesis Gaming, Habanero, Habanero, High5Games, IGT (WagerWorks), IGT (WagerWorks), IGT (WagerWorks), Inspired, iSoftBet, Live 5 Gaming, Merkur Gaming, Merkur Gaming, NeoGames, Nolimit City, Nolimit City, Oryx Gaming, Push Gaming, Push Gaming, Push Gaming, Push Gaming, Push Gaming, Push Gaming, QuickSpin, Red Rake Gaming, Synot Games, Thunderkick

Payments

Payment providers:
Bancontact/Mister Cash, Direct Bank Transfer, Easy EFT, Entropay, EPS, Euteller, Sofortuberweisung, Wire Transfer
Pay N Play:
No

flag+18 | New Customer Offer. - Terms & Conditions Apply

badge price

100% up to €500

badge star

200 Free Spins

  • Good selection of games
  • Very friendly support
  • Nice website

General Information

Established:
2020
Support:
Phone

Games

Game providers:
Foxium, NeoGames, NextGen Gaming, Rabcat Gambling, Red Tiger Gaming, Switch Studios, WMS, WMS

Payments

Payment providers:
Bank Transfer, Easy EFT, EcoPayz, Giropay, Neteller, Skrill 1-Tap, Sofort
Pay N Play:
No

flag+18 | New Customer Offer. - Terms & Conditions Apply

badge price

100% up to €100

badge star

25 Free Spins

  • Top tier software providers
  • Live chat is open 24/7
  • Mobile friendly design

General Information

Established:
2019

Games

Games assortment:
Live Casino, Live Casino, Live Casino, Live Casino, Live Casino, Live Casino, Live Casino, Live Casino, Live Casino, Live Casino, Live Casino, Live Casino, Live Casino, Live Casino, Live Casino, Live Casino, Live Casino, Live Casino, Live Casino, Live Casino
Game providers:
Booming Games, Evolution Gaming, Evolution Gaming, Evolution Gaming, Evolution Gaming, Evolution Gaming, Evolution Gaming, Felt Gaming, Fugaso, HollywoodTV, iSoftBet, iSoftBet, iSoftBet, Kiron Interactive, OneTouch Games, PariPlay, Pragmatic Play, Pragmatic Play, Pragmatic Play, Pragmatic Play, Pragmatic Play, Pragmatic Play, Reel Time Gaming, Reel Time Gaming, Relax Gaming, Relax Gaming, Relax Gaming, Xplosive, Yggdrasil Gaming, Yggdrasil Gaming, Yggdrasil Gaming, Yggdrasil Gaming, Yggdrasil Gaming, Yggdrasil Gaming, Yggdrasil Gaming

Payments

Payment providers:
AstroPay Card, Bank Wire Transfer, Flexepin, Mastercard, Mastercard, Mastercard, Mastercard, Mastercard, Mastercard, Mastercard, Mastercard, Mastercard, Mastercard, Mastercard, Mastercard, Neosurf, Neteller, Neteller, Neteller, Neteller, Neteller, Neteller, Neteller, Neteller, Neteller, Neteller, Siru Mobile, VISA, VISA, VISA, VISA, VISA, VISA, VISA, VISA, VISA, VISA, VISA, VISA, Zimpler
Withdrawals within:
48h
Pay N Play:
No

flag+18 | New Customer Offer. - Terms & Conditions Apply

badge price

100% up to €500

badge star

200 Free Spins

  • Large portfolio of games
  • Live chat support available
  • Games proven fair

General Information

Established:
2019

Games

Game providers:
Bally Wulff, Betsoft, BF Games, Casino Technology, Endorphina, Ezugi, GameArt, Gamomat, Gamomat, Leap, PariPlay, PariPlay, PariPlay, Red Rake Gaming, Red Tiger Gaming, Red Tiger Gaming, Red Tiger Gaming, Red Tiger Gaming, Red Tiger Gaming, Red Tiger Gaming, Red Tiger Gaming, Red Tiger Gaming, SA Gaming, Spinomenal, Tom Horn Gaming, Tom Horn Gaming, Tom Horn Gaming, Tom Horn Gaming

Payments

Payment providers:
Bank Wire Transfer, Bank Wire Transfer, Bank Wire Transfer, Bank Wire Transfer, Bank Wire Transfer, Bank Wire Transfer, Bank Wire Transfer, Bank Wire Transfer, Bitcoin, Ethereum, Litecoin, Payeer, Rapid Transfer, Ripple, Sepa, Skrill 1-Tap, Skrill 1-Tap
Pay N Play:
No

flag+18 | New Customer Offer. - Terms & Conditions Apply

badge price

100% up to €500

  • Fast withdrawal times
  • Top tier software providers
  • Live chat is available

General Information

Established:
2019
Support:
Live Chat, Mail

Games

Game providers:
1x2Games, Bally, Blueprint Gaming Studios, Elk Studios, GiG Games, Kalamba Games, NetEnt, NextGen Gaming, NextGen Gaming, NextGen Gaming, NextGen Gaming, NextGen Gaming, NextGen Gaming, NextGen Gaming, NextGen Gaming, Nyx Interactive, Play n Go, Stakelogic, Sthlm Gaming

Payments

Payment providers:
Credit Card
Withdrawals within:
3h
Pay N Play:
No

flag+18 | New Customer Offer. - Terms & Conditions Apply

badge price

100% up to €250

badge star

100 Bonus Spins

  • 24-hour withdrawals
  • Their live chat is open 24/7
  • Mobile friendly design

Games

Game providers:
Adoptit Publishing, AGS, Ainsworth Gaming Technology, Asylum Labs, Bally, Barcrest Games, Betdigital, Betdigital, Big Time Gaming, BlaBlaBla Studios, Bulletproof Games, Cayetano Gaming, Chance Interactive, Concept Gaming, Core Gaming, Electric Elephant, Endemol Games, Eyecon, Eyecon, Eyecon, Eyecon, Eyecon, Fantasma Games, Felt Gaming, Foxium, Foxium, Fuga Gaming, Games Lab, Games Warehouse, GreenTube, Inspired, Inspired, Inspired, Just For The Win, Kalamba Games, Leander Games, Leander Games, Live 5 Gaming, Magic Dreams, Merkur Gaming, MetaGU, Microgaming, Microgaming, Microgaming, Microgaming, Microgaming, Microgaming, Microgaming, Microgaming, Microgaming, Microgaming, Microgaming, Multicommerce Game Studio, NetEnt, NetEnt, NetEnt, NetEnt, NetEnt, NetEnt, NetEnt, NetEnt, NetEnt, NetEnt, NetEnt, NetEnt, NetEnt, NetEnt, Nolimit City, Old Skool Studios, Pirates Gold Studios, Play n Go, Play n Go, Play n Go, Play n Go, Play n Go, Play n Go, Play n Go, Play n Go, Probability, Push Gaming, Realistic Games, Red7 Mobile, ReelNRG Gaming, Reflex Gaming, Relax Gaming, Seven Deuce Gaming, SG Gaming, Shuffle Master, Sigma Games, Skillzzgaming, Spieldev, Spike Games, Sthlm Gaming, Storm Gaming, Thunderkick, Thunderkick, Thunderkick, Touchstone Games, Wazdan, Wild Streak Gaming, YoloPlay

Payments

Payment providers:
Boku, Entropay, EPS, Interac, PayPal, Rapid Transfer, Skrill, Trustly
Withdrawals within:
1h, 1h, 1h, 1h
Pay N Play:
No

flag+18 | New Customer Offer. - Terms & Conditions Apply

badge price

400% up to €1500

badge star

150 Free Spins

  • Good selection of games
  • Live dealer games
  • Massive Welcome Bonus

General Information

Established:
2019
License(s):

Games

Game providers:
1x2Games, 1x2Games, 1x2Games, 1x2Games, 1x2Games, 1x2Games, Booming Games, Booming Games, Booming Games, Booming Games, Evoplay Entertainment, Felix Gaming, Fugaso, Iron Dog Studios, Leap, Leap, Mr.Slotty, Noble Gaming, SA Gaming, Wazdan, Wazdan, Wazdan, Wazdan, Wazdan

Payments

Payment providers:
Wire Transfer
Withdrawals within:
72h, 72h, 72h
Pay N Play:
No

flag+18 | New Customer Offer. - Terms & Conditions Apply

badge star

Up to 500 Free Spins

  • Top tier software providers
  • Live chat is available
  • UK Gambling License

Games

Game providers:
IGT (WagerWorks), Just For The Win, Just For The Win, Just For The Win, Just For The Win, Playtech, Realistic Games, Realistic Games, Realistic Games, Reel Time Gaming

Payments

Payment providers:
Pay N Play:
No

flag18+ | New Customer Offer. - Terms & Conditions Apply

badge star

Up to 500 Free Spins

  • Top tier software providers
  • Mobile friendly design
  • UK Gambling License

General Information

Established:
2019

Games

Game providers:
Barcrest Games, Barcrest Games, Barcrest Games, Big Time Gaming, Big Time Gaming, Big Time Gaming, Big Time Gaming, Big Time Gaming, Big Time Gaming, Big Time Gaming, Big Time Gaming, Big Time Gaming, Big Time Gaming, Core Gaming, Core Gaming, Core Gaming, Gamevy, Gamevy, Gamevy, High5Games, High5Games, High5Games, Red7 Mobile

Payments

Payment providers:
Pay by Phone
Pay N Play:
No

flag+18 | New Customer Offer. - Terms & Conditions Apply

badge star

Up to 500 Free Spins

  • Chat service for members
  • Mobile friendly design
  • UK Gambling License

General Information

Established:
2019

Games

Game providers:
2by2 Gaming, 2by2 Gaming, Habanero, Playtech, Shuffle Master, WMS

Payments

Payment providers:
Pay by Mobile
Pay N Play:
No

flag+18 | New Customer Offer. - Terms & Conditions Apply

badge price

400% up to €800

  • Wide range of slots
  • SSL encryption
  • Proven fair

General Information

Established:
2016
License(s):

Games

Game providers:
Booongo Gaming, Cryptologic (WaterLogic), Nyx Interactive, Nyx Interactive, Nyx Interactive, Spinomenal

Payments

Payment providers:
CartaSi, ePay, Giropay, Giropay, iDEAL, International Bank transfer, Internet Banking, Nordea, POLi, Postepay, Sofortuberweisung, Sofortuberweisung, Sofortuberweisung, Sofortuberweisung, Ukash
Withdrawals within:
24h
Pay N Play:
No

flag+18 | New Customer Offer. - Terms & Conditions Apply

badge star

Up to 500 Free Spins

  • Live chat available
  • Mobile friendly design
  • UK Gambling License

General Information

Games

Games assortment:
Casino
Game providers:
Genii, Leander Games, Lightning Box Games, Playson, Pragmatic Play, Saucify (BetOnSoft), Tom Horn Gaming

Payments

Payment providers:
Pay by Mobile, Paysafecard
Withdrawals within:
72h
Pay N Play:
No

flag+18 | New Customer Offer. - Terms & Conditions Apply

Why Should I Play at Live Casinos?

For starters, you must know what live dealer casinos are. They are precisely what they sound like. They offer games that are hosted by real, human dealers with the casino or the game provider.

The authentic gambling experience offered by live dealer casinos is unparalleled. Some of the games provide such a rich experience that they outshine even the physical casino games. Apart from this, there are many other reasons to like live dealer casinos. Here are some of them:

  • Huge Variety: Live casinos offer an excellent variety of live dealer games. You get to go beyond the usual set of slots, video slots, video pokers, and other automated games. Live dealer games allow you to experience casino games like Roulette, Blackjack, Baccarat, and more, in an authentic way. The games you play will not be automated in any way, and you will be playing them against either the live dealer or other players like yourself.
  • Competitive Bonus: Most live dealer casinos welcome you with massive real money bonuses. You can use these bonuses to play live dealer games to your heart’s content. But, beware of some casinos that impose predatory wager requirements that nullify any benefit that you could get from the bonus money. CasinoRunner makes it a point to never feature such casinos on our platform. So, you can play on the live dealer casinos listed on our website without any worries.
  • Human Players: Many of the multi-player casino games not only have a real human dealer hosting the game but also allow multiple human players to play on the casino. Thus, you get to experience casino gaming with players who could be joining you from across the world. How thrilling is that! That’s a great way to meet new people and learn gambling skills from them. Such games often attract the best players from across the world.
  • 24-Hour Gaming: Live casinos are open 24×7. You can come to live casinos and play casinos games in real-time with a real dealer any time of the day. That’s the kind of convenience that even most physical casinos do not offer.
  • High Cash-Out Limits: Most live dealer casinos have high cash-out limits. While this is not true for every live dealer casino, it holds true for many of them. This is beneficial to players who like to bet big. Live dealer games often come with enormous winning amounts. If you win big, you want to withdraw it conveniently. So, the high limit is beneficial. The standard online casinos tend to have a low cash out limit like €5,000 or €10,000. On the other hand, live dealer casinos have high limits that go into hundreds of thousands of euros.
  • Choice of Dealers: For many casinos, their live dealer games are the biggest attractions. That’s why these games have the best features as well. Many live dealer casinos offer a cookie-cutter gaming experience. They usually have an attractive man or a woman of Caucasian background serving the players, as their target markets are generally countries like the UK or the US. However, world-class live dealer casinos that understand the international audience and cater to their specific tastes offer a plethora of customizations. The players can choose their dealers. They can be men, women, European, Asian, Costa Rican, or other country dealers. They could be blond, brunette, black, or brown-haired dealers. Some casinos even allow you to select dealers that feature a theme-based costume.

Why Should I Trust CasinoRunner’s Recommendations for Live Casinos?

Because we have made it our job to collect extensive information about each casino from their website, the website of the regulator who licensed them, casino forums, and other sources. We also register on the casinos and play on them to experience their service extensively. If we find anything negative about the casino, we mention it in our review of the casino. If the casino has any predatory policies and practices, we make sure that it is never listed on our website.

Our team is comprised of experienced punters who have been gambling for years. They know precisely what to look for in a live dealer casino. They understand the games, the odds, and the small variations between each game affect their winning odds. So, we bring you those live dealer casinos that offer a good variety of live casino games, provide excellent winning odds, and fulfill their commitments when players win.

In short, when you play on a live dealer casino recommended by us, you can be sure that you will be in for a world-class casino gaming experience.

What Live Casino Games Can I Play?

Live dealer games are specially designed to offer the most authentic gambling experience to players. They are designed to match or even exceed the entertainment provided by their physical counterparts. So, the games that you’ll find on live dealer casinos are usually the same or of a similar kind as those you find in physical casinos. Here is a quick overview of them.

  • Live Roulette: Live Roulette is the online version of the much-celebrated and loved casino game – Roulette. Typically, Live Roulette is streamed from a physical casino or a studio that belongs to the casino or developer of the game. There are many versions of Live Roulette. There is the American Roulette, European Roulette, French Roulette, and so on. They all have small variations, and these variations often have significant differences in the odds of winning. So, study each game and the associated odds before playing them.
  • Live Baccarat: Live Baccarat is one of the most social and interactive online casino games. The game not only allows interaction between the live dealer and the player but also between the players via a chatbox. It is this social interaction between the players that drives Live Baccarat. Naturally, live casino dealers that allow players and dealers to interact via video chat are generally preferred by the players, as this will enable them to participate in the celebrations of other players’ wins. Just like regular Baccarat, Live Baccarat too has simple rules. Each player is dealt two hands – the Banker hand and the Player hand. The player must bet on either of the hands or on a tie. The hand with the highest value wins.
  • Live Poker: Poker is one of the most popular casino games of all time. Live Poker upgrades that experience for online punters. There are many variations of Live Poker, and each of them come with their own set of odds. So, study each game carefully before placing the bets. The rules of Live Poker do not vary significantly from the offline version. But, there are some differences between the online versions. One of the advantages of Live Poker over physical casino poker is that you get a lot more time in completing a hand.
  • Live Blackjack: If you are a fan of Blackjack, then you will love its live dealer version. To win the trusts of their players and demonstrate that the game is being played in real-time, live dealer casinos often put a TV in the background to show the players than the game is happening in real-time. If there is any disruption to the game because of an internet connection, then the player automatically stands. There are a few variations of Live Blackjack, but they offer roughly 50:50 odds of winning to the players. However, the house might have a house edge in some cases. So, check out the terms of the game carefully.

Live dealer casinos offer plenty more live casino games like Live Money Wheel, Live Casino Hold’em, and others. As casinos invest heavily in hiring good dealers, they do not offer live casino games for free to play. So, players must read all the terms and conditions, games rules, and master the odds before playing them.

How to Select the Best Live Dealer Casinos?

The easy option is to select any of the live dealer casinos we have displayed on our website. We go to great lengths to bring you the most trustworthy, reliable, secure, and player-friendly live dealer casinos.

But, if you’d like to research more and find of which of these would be your best bet, then here are some factors you need to consider when rating a live dealer casino.

  • Quality of Entertainment: Of course, the quality of games is one of the most critical factors for us. Apart from that, we also check for the variety of live casino games on the platform. The live casino games must be sourced from reputed developers who are well-known for the quality of games they develop. Stunning UI, smooth UX, beautiful animations, excellent odds, and other signs are what we look for in live casino games.
  • Mobile Support: Many players prefer to enjoy live casino games either from their smartphones, or their tablets. So, a technologically advanced live casino should be able to allow seamless gaming experience from whatever device that the player decides to use – smartphone, desktop, or tablets. More importantly, the games must offer the same quality of gaming and experience on mobile devices as they do on desktops.
  • Reputation: There is simply no substitute for the reputation of a live casino. Players who have already played on the casino are the best source of news. So, if they have collectively shared some experiences – good or bad – they are the most important reviews of a casino. News outlets then follow up on the stories of these punters and cross-verify the information they offer with the casino’s versions.In short, the longer a live casino is in the market, the more information there is to know about it. If it has a good reputation, despite being a long time in the industry, then it’s a great online casino. That said, many new live casinos have an excellent reputation and offer a good experience, although they haven’t been in the industry for long. So, this factor alone cannot be used for determining the quality of a casino.
  • Safety and Security: The hackers are getting more sophisticated with each passing day. To protect your money and details on the live casinos, the casinos must employ robust technologies. We check how proactive and up-to-date a live casino is in terms of using the latest digital technologies. Are they using the most trusted security technologies? Are they responding to security incidents on their website or the competitor’s websites by proactively addressing the existing vulnerabilities? The answers these and many more such questions will determine our rating for them.