MIDTOWN, Manhattan — More than half of all adult Americans will have some money at risk in Super Bowl 50.

This year, there are some big changes in how New Yorkers can place their bets.

Citigroup, the world’s biggest credit-card lender, is blocking transactions on two of the biggest sites, New York-based FanDuel and Boston-based DraftKings.

Citigroup says it will block the payments until New York courts rule on the legality of daily fantasy sports.

“I think it makes sense,” Tom Staudt, a sports fanatic sitting at a sports bar, told PIX11 News. “They’re afraid of a legal battle … and I think taking bets on a credit card is a dangerous game to play.”

Former college football player Charles Little said he would just use a different credit card. “Hey, I will [use] Bank of America,” he added, with a smile.

Patrons inside the Public House bar were preparing for the big game and a day where many Americans will take a gamble. But one man expressed concern.

“I’m a little disappointed, we’re all hardworking,” said Zayed Mahmood, a self-described sports fanatic. “However we want to spend it online with a credit card,” Mahmood added.

Last month the courts ruled that the daily fantasy sports sites can continue operating in New York while they appeal a judge’s order that they stop play in the state.

The companies say their contests are games of skill, not chance, and should not be considered illegal gambling.