An apparatus, method, and storage medium for a real-money online multi-player trivia system which allows users to compete, via a computer network, in one or more simultaneous trivia style games with a plurality of questions while wagering real and/or play money. The trivia style games can be either a single trivia game between multiple players or a tournament style game with a plurality of single games linked together. A trivia style game may allow betting before a question is delivered, after a question is delivered, or after a question is answered. Further, the amount of a player's wager may be withheld from the other players and/or whether the player answered a question correctly or incorrectly.