Most standard moneyline bets do include overtime. If the game goes to extra time, the result at the end of that period determines your payout — not what the score said after regulation. There is one important exception: markets explicitly labeled "regulation only" settle when regulation ends, full stop.
What does "includes overtime" actually mean?
Simple. You bet on who wins the game. If two teams are tied after 60 minutes of NHL hockey or four quarters of NFL football, the game keeps going. So does your bet. Whatever team comes out on top in OT is the winner for settlement purposes.
This applies to all major US sports that use overtime — NFL, NBA, NHL, and MLB extra innings. It is the default rule at licensed US sportsbooks unless the market description says otherwise.
What is a "regulation only" moneyline?
Some books offer an alternate market that closes the book after regulation time. If the score is tied when regulation ends, both sides are graded a push — your original stake comes back, no profit, no loss.
This is common in NHL and soccer betting. It matters more in soccer because draws happen regularly. Speaking of soccer, if you see three prices listed for a match rather than two, that is the 3-way moneyline — it prices the draw as its own outcome instead of refunding pushes.
How do I know which version I am betting?
Check the market label before confirming the bet slip. Look for language like "Including OT," "Full Game," or "Regulation Only." If nothing is labeled, the default at most US licensed books is full-game including overtime. When in doubt, tap the info icon on the market — every major app has one.
Still new to how moneylines work in general? Start with what a money line bet is and how straight-win wagers are settled before worrying about overtime rules.
Does overtime affect the payout math?
No. The odds you locked in at bet placement are the odds used to calculate your payout. An overtime win pays exactly the same as a regulation win. Your moneyline payout calculation does not change based on when the winning run or goal or touchdown happens.
Quick reference: overtime rules by sport
| Sport | Standard moneyline includes OT? | Push possible (regulation only)? |
|---|---|---|
| NFL | Yes | Yes, if regulation-only market offered |
| NBA | Yes | Rare — draws almost never happen in basketball |
| NHL | Yes (standard); Regulation Only also common | Yes, widely offered |
| MLB | Yes, includes extra innings | Not typical |
| Soccer (MLS/EPL) | Depends — check label | Yes, very common; or use 3-way market |
Ready to place a bet?
Knowing the settlement rules is step one. Step two is finding a licensed app and putting a ticket in. The guide on how to place a moneyline bet on a legal sportsbook app walks through the full process, from downloading the app to confirming your wager. Online sports betting is legal in 38+ states as of 2025 — check where moneyline betting is legal in your state before signing up.
Must be 21+ (18+ in select states). Gambling problem? Call 1-800-GAMBLER.