Open Banking Payments for iGaming: Best Pay by Bank Providers

Trustly is the only open-banking provider running pay-by-bank at production volume in both Europe and the US: $100B+ TPV in 2025, 120 million users, and gaming clients from FanDuel and DraftKings to ESPN BET and Hard Rock Bet. It invented Pay N Play in 2015, holds a Swedish payment institution license alongside its own money transmitter footprint in roughly 36 US states, and moves payouts over RTP and FedNow in under five minutes, with same-day ACH as the fallback. Terms are quoted per deal, and FY2025 ended in a net loss.

Getting winnings to players in corridors where cards fail is the problem Inpay has sold against since 2008, and the company is still built around it. It turned a profit every year from 2021 through 2025 and set a record DKK 103.9M EBITDA in 2025, all on the founder's own capital. On the gambling side the client list stays anonymous, pricing is quoted per deal, and the 2024-2025 stretch replaced the CEO and cut revenue 13.1%.

Zimpler is a Finansinspektionen-supervised payment institution with direct Swish participation, its own Brazilian Pix authorization, and a February 2025 appellate ruling behind its work for EU-licensed operators. The open question since March 3, 2026 is what TrueLayer ownership does to it, because the parent's Signup+ and Verified Payouts duplicate Zimpler GO and Instant Payouts almost feature for feature. For a Nordic-facing operator that wants Swish inside the cashier and a Swedish counterparty, it stays a first-call vendor, with a blank rate card as the caveat.

Brite is built around the instant payout. Where a pure payment-initiation provider can only ask a bank to move money, Brite takes full receipt of funds and runs a balance per merchant, so its Instant Payments Network settles withdrawals in a median of about 4 seconds, 24/7/365, even in markets whose local rails have no instant transfer. Around that engine sits a challenger package: Brite Play onboarding, a Swedish Payment Institution passported across the EEA, and FDJ United among the operator clients. The limits are a single A2A rail across 27 European markets with no UK or US, and a price that only comes out of the sales process.

Among open-banking vendors serving iGaming, Volt is alone in holding a gambling-supplier license in its own name. Operators still reach Volt through gateways rather than under direct contracts, a route that runs back to the GiG deal of May 2020. Revenue grew 41% to £18M in FY2024 while the operating loss widened to £20M, accumulated losses reached roughly £50M, and no capital has come in since the June 2023 Series B.

Yaspa runs the payment and the player check as one event: affordability, AML risk, and vulnerability signals come back inside the deposit flow, in under 10 seconds, and the EGR B2B 2026 double win for AI Solutions Provider and Safer Gambling Supplier says the industry buys the premise. The scale behind the idea is another matter: roughly 70 people, $12M of fresh funding, a mid-tier client roster, and zero published numbers for banks, currencies, or volume in a segment where rivals print 12,000 banks and $100B of TPV. A UK or European operator gets an FCA-regulated vendor with real compliance substance, while a US buyer gets live-marketed Guaranteed ACH with no reference clients to call yet.