Do extra time and penalties count in a football bet?

It depends on the market. Match result, totals and both teams to score are usually settled on 90 minutes plus stoppage time, so extra time and penalties are left out. Markets such as to qualify or to win the trophy usually include them. The licensee's published rules for that market decide.

By Nairobi Football Editorial (prepared with AI tools under our editorial policy) · Last updated 2026-10-05

The short answer

There is no single answer for every bet. Each market has its own settlement period, and the name of the market is the first clue. The guide to how 1X2 and double chance settle covers the most common case: ninety minutes plus stoppage time.

Extra time and penalties only exist in some matches, mostly cup ties and knockout rounds. When a match has no such period, the question does not arise. When it does, the market description must tell you whether that period is inside or outside your bet.

Three periods a match can have

A football match that needs a winner can pass through three stages. Each stage is a different period for settlement purposes.

1. Normal time: the two halves, plus the stoppage time the referee adds to each.
2. Extra time: played only if the tie is level after normal time and a winner is needed.
3. Penalty shoot-out: used if the tie is still level after extra time, or straight after normal time where there is no extra time.

A bookmaker's rule book says which of these a market counts. The shorthand "90 minutes" in a market name normally means normal time, so stoppage time is in and the later periods are out.

Which markets stop at 90 minutes and which go on

The table shows the usual convention for common football markets. It is a general pattern, not a rule that binds any licensee.

Read the last three rows as examples of why labels matter. "To qualify" asks who advances, so a penalty shoot-out inevitably matters. "Match result" asks who leads after normal time, so it does not.

A worked tie

Illustrative example. A cup tie ends 1-1 after ninety minutes plus stoppage time. Extra time adds a goal for the home side, so the score is 2-1. The table shows how several bets on that match would settle under the usual convention.

The extra-time goal appears in the final score of the tie but not in the totals or the match result. A bettor looking only at the headline 2-1 would expect the opposite on several lines, which is why the settlement basis is worth reading first.

Penalty shoot-outs

A shoot-out decides who goes through, but the kicks are generally not treated as goals scored in the match. A tie that finishes 1-1 and is won 4-3 on penalties is normally still 1-1 for result, totals and both teams to score. Only markets about progression or the trophy are decided by the shoot-out.

Some bookmakers also offer markets on the shoot-out itself, such as who wins it or how many kicks are taken. Those are separate bets with their own terms. Do not assume a standard market covers them, or the reverse.

What the Kenyan rules say

The law does not define "90 minutes" or "extra time". It does regulate how a licensee presents and settles bets. Under regulation 22(2) of the Conduct of Gambling Operations Regulations, 2026, the terms of a bookmaking operation must be in simple language and must not be misleading about the nature of the bet or the winnings.

Regulation 23(1) requires a licensee to "clearly display betting odds, rules and terms applicable to each bet", and regulation 23(2) forbids altering the terms of a bet after it has been accepted, except as permitted by law or approved rules. Regulation 24(1) requires winning bets to be settled "promptly and in accordance with the published rules".

Together these mean the published rule for the market is what counts, so it is the document to read. Regulation 103 also requires each licensee to run an internal dispute resolution mechanism approved by the Authority.

Checks before a knockout match

1. Read the full market name. "90 minutes", "including extra time" and "to qualify" mean different things.
2. Find the licensee's rule on extra time and penalties for that market type, and keep a copy or screenshot of the wording you relied on.
3. Check how the same match is treated in each market on your slip. One slip can mix markets that stop at ninety minutes with markets that run to the end of the tie.
4. Confirm the company holds a licence, using the steps in checking a bookmaker licence in Kenya.
5. Set your stake limit before kick-off. Extra time can feel like a second chance to chase, and a limit decided in advance is easier to keep.

When the outcome surprises you

If a bet settles differently from what you read, first compare it with the market name and the published rule. Then contact customer care. If the answer does not resolve it, the dispute route in the FAQ below applies, including the fourteen-day period in section 80 of the Act.

Understanding settlement does not change the odds. Every price carries a margin, explained in working out bookmaker margin in football odds, and over many bets the average result for the bettor is a loss. If betting stops being a bit of extra interest in a match, the responsible gambling page lists the free helpline and self-exclusion.