Open Banking Payments for iGaming: Best Pay by Bank Providers in 2026

InpayOpen bankingData verified on Jul 10, 2026pro

7.0Partnerkin scoreFounded 2008

SEPA InstantSEPASWIFT

Getting winnings to players in corridors where cards fail is the problem Inpay has sold against since 2008, and it remains the reason to call: a register-verified Danish e-money institution pushing payouts over SEPA Instant, SWIFT, and local bank rails into 90+ countries, with cash pickup at 70,000+ Eurogiro postal counters when bank accounts run out, and cardless open-banking pay-ins riding the same API. The filings behind it are real, profits every year from 2021 through 2025 and a record DKK 103.9M EBITDA in 2025, all on the founder's own capital. What a buyer has to price in is everything the company will not show: no named operator client anywhere, no public rate card, an AML file with order rounds in 2021 and 2023, and a 2024-2025 stretch that replaced the CEO, cut revenue 13.1%, and swapped PwC for a small audit firm.

Best fitLicensed European and internationally licensed operators and lotteries whose real pain is cross-border winner payouts, especially into corridors where card and wallet rails fail, plus PSPs and platforms that want to front payout rails through the reseller or tech-enabler route.

Markets90

PayoutsInstant

Trusted byTFDN

ZimplerOpen bankingData verified on Jul 8, 2026pro

6.9Partnerkin scoreFounded 2012

SEPASwishPix

Zimpler holds something no rival in this segment can show: two court rulings, the May 2024 annulment and the February 2025 appellate decision, establishing that its work for EU-licensed operators in Sweden promoted no illegal gambling. 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, and the continuity promise so far is one sentence in a closing announcement. For a Nordic-facing operator that wants Swish inside the cashier and a court-tested Swedish counterparty, it stays a first-call vendor, with a 2.6 Trustpilot score and a blank rate card as the caveats.

Best fitNordic-facing operators, above all Swedish and Finnish Pay'n'Play casinos that want Swish in the cashier and onboarding folded into the first deposit, plus operators entering Brazil who prefer Pix through a Finansinspektionen-supervised counterparty, and anyone already running Pragmatic Solutions or Bejoynd BE Core.

Markets25

PayoutsInstant

Trusted byNNFF+3

Brite PaymentsOpen bankingData verified on Jul 8, 2026pro

6.9Partnerkin scoreFounded 2019

Brite built its business around the hardest promise in open banking: 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 vendor-stated median of about 4 seconds, 24/7/365, even in markets whose local rails have no instant transfer. Around that engine sits a credible challenger package, Brite Play onboarding, a register-verified Swedish PI with the cleanest record of the Swedish A2A trio, and an FDJ United case study, held back by a 27-market footprint that has been static for about 18 months, no UK or US, fully hidden pricing, and liquidity mechanics the company describes only at concept level.

Best fitEuropean licensed operators across the Nordics, DACH, Benelux, Baltics, and CEE that want pay-by-bank deposits with genuinely instant withdrawals, whether as a Trustly alternative or as an A/B rail beside it, plus anyone on SOFTSWISS who can switch on the verified connector.

Markets27

PayoutsInstant

Trusted byFRSR+1

VoltOpen bankingData verified on Jul 8, 2026pro

6.6Partnerkin scoreFounded 2019

UK Faster PaymentsSEPA InstantPayTo (AU)PayID (AU)Pix (vendor-claimed)

The gap between Volt's rails and its gambling traction is the whole story: UK Faster Payments, SEPA Instant, and Australian PayTo behind one API, its own FCA EMI, a Polish KNF license, and a register-verified Romanian ONJN Class II supplier license, set against zero named operators in the six years since GiG signed in May 2020. Operators reach Volt through gateways such as MoneyMatrix, Akurateco, and NORBr, which makes the product easy to switch on and hard to reference-check. The filings add pressure: 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.

Best fitUK, EU, and Australian licensed operators, and the platforms and gateways serving them, that want instant bank deposits and withdrawals from a supplier holding its own EMI and a Romanian gambling license, especially brands already on EveryMatrix's MoneyMatrix or an orchestrator that carries Volt.

Markets31

PayoutsInstant

Trusted byFKTP+2

YaspaOpen bankingData verified on Jul 8, 2026pro

6.4Partnerkin scoreFounded 2017

UK Faster PaymentsSEPASEPA InstantSame Day ACHRTP

What separates Yaspa from the rest of the pay-by-bank field is that the payment and the player check are the same event: affordability, AML risk, and vulnerability signals come back inside the deposit flow, in under 10 seconds by the vendor's clock, 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.

Best fitMid-size UK and European licensed operators, platform-based brands, and land-based casinos that want instant A2A deposits and payouts with affordability and Safer Gambling signals built into the flow itself.

Markets20

PayoutsInstant

Trusted byPCNS+4

Match a provider to your market map

Match by profile

Which one fits your operation

Pay-by-bank is bought for a market map and a payout promise, and both differ sharply across these five. Six operator setups below, paired with the provider built for each and what belongs in the contract.

US state-regulated sportsbook, payout speed as the product

Instant winnings on RTP and FedNow, with the licensing already done.

Trustly7.6

The US instant-payout benchmark: RTP since 2021, ESPN BET first on FedNow, $25B+ cumulative, ~36 state money-transmitter licenses, and Hard Rock Bet exclusive across eight states.

Check first: California, Texas, New York, and Nevada are absent from the MTL list with the model there unstated. Price the guarantee stack (Guaranteed ACH, VIP approvals) into the deal rather than accepting defaults.

Nordic Pay'n'Play casino

Registration, KYC, and the first deposit in one flow, with Swish in the cashier.

Zimpler6.9

The first payment company inside Swish as a direct participant, Zimpler GO prewired through Pragmatic Solutions and Bejoynd, and a court record no rival has: its regulator's injunction annulled in 2024, with the annulment upheld on appeal in 2025.

Trustly7.6

Invented Pay N Play in 2015 and still runs the deepest version, with sub-10-second logins on the Azura engine shown at ICE 2025.

Check first: Zimpler's future inside TrueLayer is a no-disruption statement rather than a roadmap, and Trustly's Pay N Play runs in Sweden, Finland, Estonia, and the Netherlands, so confirm your market is on the list.

EU-wide instant withdrawals, weekends included

Payouts that actually settle in the small hours of a Sunday, when bank rails are closed.

Brite Payments6.9

Winnings leave a balance Brite already controls, so the payout does not wait for any bank rail: a vendor-stated ~4-second median around the clock, and a regulator file with nothing adverse in it.

Check first: Only 10 of the claimed 27 markets are named publicly, no volume figures exist, and the fund-flow safeguarding behind the balance model is disclosed only at concept level, so make the contract spell it out.

UK operator under affordability pressure

Deposits that carry financial-risk signals your compliance team can actually use.

Yaspa6.4

Affordability, AML risk, and vulnerability signals returned inside the deposit flow in under 10 seconds by the vendor's clock, backed by 2026 EGR B2B wins in both the AI and Safer Gambling categories.

Brite Payments6.9

Brite Play returns bank-verified identity in under 20 seconds with Income Insights affordability and source-of-funds in the same authenticated flow.

Check first: Yaspa publishes no bank count, no volumes, and no pricing. Brite has a London office but no FCA authorization on the register, so its UK status needs a direct answer from sales.

Multi-rail coverage through one supplier: UK + EU + Australia

One A2A vendor across three regions, reachable through the gateways you already run.

Volt6.6

Licenses in its own name on three continents' rails (UK EMI, Polish KNF, Australian NPP status) plus Romania's ONJN Class II supplier license, verified on the register, carried by MoneyMatrix and GiG since 2020-21.

Check first: No operator has ever been named in six years, the US sits in the 31-territory count without being live, Brazil is advertised while the accounts record it closed, and FY2024 ran a £20M operating loss.

Brazil Pix from this segment

The regulated Brazilian rail under European supervision.

Zimpler6.9

Authorized by the BCB as a payment institution in June 2025 and seated as a direct Pix participant that November, all inside a Finansinspektionen-supervised group.

Compare it against the LatAm specialists on their own board →

Check first: Same-CPF validation and the 120-minute payout deadlines are the operating reality of licensed Brazil. The LatAm guide reads Portaria 615 as a full PSP spec.

Coverage, audited

Where they actually work for gambling

Every vendor in this segment sells a bank count. None of the counts answers whether licensed-gambling volume can run there, on whose permission. The board below reads each map the way your compliance team will: named markets only, license entities behind them, and the gaps the marketing counts over.

Trustly7.6US: 36 state MTLs on a public pageUK: Two FCA entities, both register-confirmed

12,000 banks, 650M consumer reach, 120M+ users, 33 markets (vendor-stated, 2026)

The only provider running at proven scale on both continents: 12,000 banks across 33 markets (up from 6,300 and 30+ in 2021), ~36 US state money-transmitter licenses printed with numbers on its licenses page, and Pay N Play live in Sweden, Finland, Estonia, and the Netherlands.

Inpay7.0US: Nothing to point atUK: Office in London, license in Denmark

Proprietary bank network reaching 90+ payout countries

Zimpler6.9US: Nothing on the mapUK: Through the parent only

350M+ customer bank accounts across 25+ markets

Nordics on its own Finansinspektionen license with EU passporting, Brazil on its own BCB authorization with a direct Pix seat. That is the whole map: no UK permissions, no US entity. Since March 2026 it is TrueLayer's Nordics-and-Brazil arm. UK coverage means contracting the parent's products, not Zimpler's.

Brite Payments6.9US: Not on the mapUK: Office yes, market no

3,800+ European banks across 27 markets

3,800+ banks in 27 European markets, of which exactly ten are named publicly and the other 17 are listed nowhere. A London office exists, but a UK market entry does not: no FCA authorization was found for any Brite entity.

Volt6.6US: No live US processingUK: Home market on its own EMI

2,500 banks, 618M accounts, 31 territories (vendor homepage, Jul 2026)

Real licenses in its own name (UK EMI, Polish KNF, Australian NPP status, a register-verified Romanian ONJN Class II supplier license), and a homepage that counts 31 territories including the US, where nothing is live: no MTLs, no state approvals, no shipped FedNow work. Brazil is advertised on the site while the FY2024 accounts record the operation as closed.

Yaspa6.4US: Live products, thin paperUK: Home turf, register-verified

The UK plus 18 EU/EEA markets per the support portal, with UK bank logos displayed and no connected-bank count published anywhere.

The UK plus 18 named EU/EEA markets on an FCA payment institution authorization held since 2019, and a US push (Atlanta office, Guaranteed ACH, RTP payouts) that runs ahead of its paper: a Delaware entity and an NMLS ID with no state money-transmitter licenses disclosed and no named US client a year in.

Bank-reach figures are vendor-stated throughout the segment. The market lists above are the ones each vendor actually names, checked in July 2026 and dated in the reviews.

The asymmetry

Instant, read carefully

Every page in this market says instant. The word hides an asymmetry: deposits ride open-banking payment initiation everywhere, while payouts depend on separate rails, per-bank reachability, and on who fronts the money at 3 a.m. on a rail that is not instant. Three different architectures answer that question below.

TrustlyGuarantee stack on top of railsUnder 5 minutes on US instant rails, over 95% instant across 30 European markets (vendor-stated, Jul 2026)

RTPFedNowSame Day ACHSEPA / SEPA InstantUK Faster Paymentsdomestic European schemes

RTP since 2021 and FedNow since 2024 with same-day ACH as fallback, plus the contractual layer: Trustly Pay and Guaranteed ACH shift return risk onto Trustly, Available Funds Guidance cuts failed payouts, and the VIP engine approves deposits up to $1M. Vendor-stated: under 5 minutes on US instant rails, 95%+ instant across 30 European payout markets.

InpayMinutes or less (vendor-stated, Jul 2026)

SEPA InstantSEPASWIFT

ZimplerDirect rail seatsSeconds

SEPASwishPix

The first payment company admitted to Swish as a direct participant (live September 2025) and a direct Pix participant in Brazil on its own BCB authorization, with no sponsor bank in the chain on either rail. Payouts land in seconds on both rails, per the vendor's pages (Jul 2026).

Brite PaymentsTakes receipt of funds~4 seconds median settlement, under 40 seconds processing target (vendor-stated internal data, Jul 2026)

The architectural answer: payouts settle from a per-merchant balance Brite already holds inside its Instant Payments Network, so no bank rail is in the critical path. The vendor-stated median is ~4 seconds, 24/7/365. The disclosure stops at the concept: nothing published on the pre-funding, liquidity, or safeguarding underneath.

VoltPure PIS over instant rails

UK Faster PaymentsSEPA InstantPayTo (AU)PayID (AU)Pix (vendor-claimed)

Payouts and refunds over UK Faster Payments, SEPA Instant, and Australia's NPP, with per-player virtual IBANs for reconciliation and balances visible in Volt Accounts since February 2026. No payout volumes or success rates are published.

YaspaRails + a US guarantee productIn moments (vendor-claimed, Jul 2026)

UK Faster PaymentsSEPASEPA InstantSame Day ACHRTPFedNow

Instant payouts over FPS, SEPA Instant, and US RTP as a core product, plus Guaranteed Payments in the US: live balance checks per transaction and protection against ACH returns on approved deposits (vendor language). The contractual mechanics of that return liability are not on public pages.

The buying question this section answers: when a payout rail is down or a bank is not instant-reachable, does your provider wait with you, guarantee around it, or pay from its own balance, and what does the contract say about each.

KYC in the payment

The identity layer, provider by provider

A2A's quiet superpower is that the bank connection carries verified identity and real transaction data, which is exactly what onboarding flows and the UK's financial risk assessments need. Vendors all claim it. Here is what each product actually returns, at what claimed speed, and where it is really live.

TrustlyPay N Play (invented it, 2015) + Trustly ID

Deposit, registration, and KYC collapse into one flow: player identity data rides in over the bank connection, so the account exists the moment the first deposit clears. Name/IBAN verification, affordability checks, and PEP/sanctions screening run in-flow.

The next-gen version on the Azura engine cuts logins from 48 to under 10 seconds (vendor, ICE 2025) and adds cross-merchant player recognition. It runs in the same four markets shown on the coverage board above, and the UK is not on that list, so get a direct answer from sales before you plan on it.

ZimplerZimpler GO + ID+

Register, verify, and deposit in one bank-authenticated pass, with KYC, source-of-funds, responsible-gambling, and bonus-fraud checks bundled in the Pragmatic Solutions integration. ID+ adds fingerprint or Face ID re-authentication on every return visit.

Sold prewired through the Pragmatic Solutions and Bejoynd platform connectors, which makes it the fastest Pay'n'Play switch-on for operators already on those stacks.

Brite PaymentsBrite Play + Income Insights

Signup, KYC, and first deposit in one flow claimed at under 60 seconds, with bank-verified name, address, date of birth, and ID number delivered to the operator in under 20 seconds. Closed-loop payouts lock to the verified deposit account, and a first-party deposit lock blocks third parties funding someone else's play.

Income Insights affordability and source-of-funds collection run in the same bank-authenticated flow, transaction-data signals of exactly the kind UK financial risk assessments lean on.

VoltVerify

Bank-account ownership authentication over AIS for onboarding and safer payouts, a KYC-adjacent check rather than a full identity product.

The thinnest identity layer in the set. Operators wanting Pay'n'Play mechanics would build them around Volt rather than buy them from it.

YaspaIntelligent Payments

A pay-by-bank transaction and an AI-driven customer assessment in one flow: affordability, AML risk, and financial-vulnerability signals returned in under 10 seconds by the vendor's clock, before funds enter play, derived from consented real-time bank data instead of credit-bureau lookups.

Externally validated where it counts for this niche: the EGR B2B 2026 double win for AI Solutions Provider and Safer Gambling Supplier, on top of an Innovate UK Safer Gambling grant.

Speed figures are vendor claims, labeled as such in every review. For UK-facing operators the practical question is which providers return transaction-derived affordability signals inside the deposit flow: Yaspa and Brite build exactly that, and Trustly runs affordability checks in-flow on its European rails.

Paper and precedent

Licenses and the regulator record

One segment, the directory's two loudest regulatory stories: the heaviest fine (kept license, lost IPO) and the only courtroom win over a regulator. Both print here with outcomes, next to each vendor's register-checked paper. And note the detail directories keep getting wrong: the Swedish trio are Payment Institutions, not EMIs.

TrustlyFined, license keptPartially verifiedFinancials: stable

Sweden(FI 556754-8655)UK(FCA)

The segment's heaviest regulatory event: a 2022 Finansinspektionen warning plus a SEK 130M fine for severe deficiencies in risk assessment, customer due diligence, and transaction monitoring, concentrated in gambling. The root failure was treating only merchants as AML customers, not end-players. The license survived with remediation accepted, but the roughly €9B Nasdaq IPO, postponed under the same review in May 2021, never came back.

Consumer signal: Trustpilot 2.7 across 3,265 reviews with 57% one-star, dominated by payouts and refunds stuck in transit between merchant and bank. That is consumer-side noise, on a paid profile that answers 85% of negatives.

InpayRegister-verifiedFinancials: stable

Denmark(FTID 22008)

ZimplerBeat its regulator, twicePartially verifiedFinancials: stable

Sweden(FI 556887-9984)Brazil(BCB)

Spelinspektionen ordered it in July 2023 to stop BankID payment services for unlicensed-in-Sweden gambling companies under a threatened SEK 25M fine. The Administrative Court annulled the injunction in May 2024, finding the regulator lacked legal grounds, and the Court of Appeal dismissed the regulator's appeal in February 2025. No standing action remains, a court record unique in the segment.

Consumer signal: The weak flank: Trustpilot 2.6 across 66 reviews with duplicate-debit and refund complaints, and not a single negative review answered (checked live, July 2026).

Brite PaymentsClean sheetRegister-verifiedFinancials: stable

Sweden(FI 559116-1632)

Targeted searches for Finansinspektionen sanctions or warnings against Brite AB returned nothing as of July 2026, a cleaner regulatory sheet than either Swedish rival carries, on a register-verified Payment Institution passported across the EEA.

Consumer signal: Trustpilot holds zero reviews, which is structural rather than suspicious: on a well-built A2A rail the consumer only ever sees their own bank.

VoltNo regulatory actionsPartially verifiedFinancials: uncertain

UK(FCA 982594)UK(FCA 925340)Poland(KNF)

No fines, warnings, or license actions found as of July 2026, on a stack of licenses held in Volt's own name: UK EMI, Polish KNF payment institution, Australian NPP status, and the register-verified Romanian ONJN Class II supplier license. The flag here is financial, not regulatory: FY2024 filed a £20M operating loss on £18M of revenue with no new capital since June 2023.

Consumer signal: A four-review, all one-star Trustpilot sample: too small to score, so it stands as themes (slow or undelivered consumer transfers, no company responses) rather than a verdict.

YaspaNo regulatory actionsPartially verifiedFinancials: unknown

UK(FCA 826720)

Nothing surfaced across the FCA era under either the Yaspa or Citizen name, on a payment institution authorization held since 2019, the first open-banking PI cohort. The caveat is disclosure rather than discipline: no bank count, no volumes, and no pricing published, the thinnest quantitative footprint in the segment.

Consumer signal: One Trustpilot review in total, statistically meaningless, as expected for a consumer-invisible A2A brand.

Side by side

Open banking providers, compared

The axes that decide an A2A deal: how many player banks you reach and how fast winnings land back.

Provider	Score	Bank reach	Markets	Payout time	US status	Reg. record
Trustly	7.6	12,000 banks, 650M consumer reach, 120M+ users, 33 markets (vendor-stated, 2026)	33	Under 5 minutes on US instant rails, over 95% instant across 30 European markets (vendor-stated, Jul 2026)	Live (state MTLs)	Fine (see review)
Inpay	7.0	Proprietary bank network reaching 90+ payout countries	90	Minutes or less (vendor-stated, Jul 2026)	—	Warning (see review)
Zimpler	6.9	350M+ customer bank accounts across 25+ markets	25	Seconds	—	Clean
Brite Payments	6.9	3,800+ European banks across 27 markets	27	~4 seconds median settlement, under 40 seconds processing target (vendor-stated internal data, Jul 2026)	—	Clean
Volt	6.6	2,500 banks, 618M accounts, 31 territories (vendor homepage, Jul 2026)	31	—	—	Clean
Yaspa	6.4	The UK plus 18 EU/EEA markets per the support portal, with UK bank logos displayed and no connected-bank count published anywhere.	20	In moments (vendor-claimed, Jul 2026)	Entering	Clean

A dash means the vendor does not publish it. Every figure carries its date and source in the linked review.

Commercials

Fees on the record

No A2A provider here publishes a rate card. The one number on the record below is Volt's accounts-derived average take, not a price list. The reviews name the circulating figures we refused to print.

Trustly Inpay Zimpler Brite Payments Yaspa

Processing£1.46 revenue per transaction in the FY2023 filed accounts, an effective ~2.1% take rate at a £70.4 average transaction

Rolling reserveNone stated on the record (Jul 2026)

Quote-only

Every figure we found circulating for these providers failed the source test, so none appears here. The reviews lay out each pricing model as far as it is public.

The service reality

Working with them, on the record

An enterprise-sales segment through and through: nobody publishes an SLA, and the meaningful pre-contract signal is documentation posture. Trustly, Brite, and Volt keep open developer docs an engineer can scope before sales. Zimpler surfaces no public developer portal at all. Yaspa's helpdesk and country list are public while docs depth stays unassessed. What is stated on the record:

Support channelsLive chat · Email · Phone

Stated SLANone published

SLAs live inside the enterprise contract.

Integration timeNone published (Jul 2026)

Support channelsPhone · Email

Account managerYes

Vendor-worded as one-to-one support from the iGaming team, with no SLA published behind it (Jul 2026).

Stated SLANone published (Jul 2026)

The site's 24/7/365 language describes the payout rails rather than a support desk.

Support channelsEmail

Stated SLAUnder 1 hour average

Self-reported on the business-support page, with up to 24 hours at peak complexity.

Support channelsEmail

Account managerYes

Personalized support is referenced for enterprise merchants, with no public SLA terms, hours, or channel list behind it (Jul 2026).

Support channelsEmail

Stated SLANone published

The only support signal on record is consumer-side and negative, which is not merchant SLA evidence.

Integration timeNone published (Jul 2026)

Support channelsEmail

Account managerYes

The contact page routes existing customers to their account manager.

Trustly's ICE 2025 line that next-gen Pay N Play needs no extra integration work applies to existing customers. Where the cards above are silent, the answers exist behind the sales process. Put them in the RFP.

What just happened

The segment's recent record

Court rulings, an acquisition, and the US payout race: what actually happened in A2A. The record, dated:

2026

The Q4-25 report shows the return to growth (revenue +5% cc, TPV +31% cc, active users +26%) after a FY2025 of SEK 565M net loss on $100B+ TPV. The user base passes 120 million (April 7).

Gideon van den Broek arrives as CCO (March) and Christian Folmann Hempler as CFO (April), and the June CVR filing moves the FY2026 audit from PwC to 2+ Revision.

Bejoynd partnership lands (February 24), the TrueLayer acquisition closes with Finansinspektionen approval (March 3), and the ID+ commercial-impact figures publish (May 19).

Recognized in The Payments Power 50 (June), with the public market count still at 27.

ClearBank partnership (January 29). Volt Accounts cash-management suite launches (February 5). NPP Identified Institution status in Australia (February 18). Pepperstone (May) and Trade Nation (June) go live with Australian real-time payments.

Paysecure partnership (April 2), Best Payment Solution at SBC Awards Europe (May 6), and an EGR B2B double win for AI Solutions Provider and Safer Gambling Supplier (June 3).

2025

Next-gen Pay N Play with Azura debuts at ICE (January). Hard Rock Bet signs Trustly as exclusive pay-by-bank across eight states (March). Trustly ID and Scan & Pay launch. The Global Gaming Awards EMEA payments title goes to Paysafe, ending the run of six wins.

Revenue falls 13.1% to DKK 378.6M on slower product ramp-up and strategic repricing, while EBITDA hits a record DKK 103.9M.

The Administrative Court of Appeal dismisses Spelinspektionen's appeal in February. Swish direct participation is announced (March 10) and goes live (September 11), Brazil grants the BCB payment-institution certification (June 4) and direct Pix participation (November 3), and TrueLayer announces the acquisition (October 21).

Payments Awards win for Best Online Payments Solution (January) and an MPE Awards win for Best Use of Open Banking for Payments. OXID eSales partnership (May). FOREX Bank travel-money deal (December).

Pay.com real-time payments partnership (February). Romanian ONJN Class II license, Decision 723 (August 28), valid from September 1. BVNK stablecoin acceptance (December 15). The FY2024 accounts record the Brazilian operation as closed.

Raises $12M led by Discerning Capital (July 2), opens in Atlanta, registers NMLS ID 2771164, ships Guaranteed ACH, and shows at G2E Las Vegas (October, booth 4011).

2024

ESPN BET becomes the first sportsbook with FedNow instant payouts (April 8). A sixth Global Gaming Awards payments win (February, KPMG-adjudicated). FY2024 lands at $87B TPV, +54%, with net revenue of $239M.

CEO Thomas Jul and a number of other managers exit May 14 and Steen Nielsen takes over. The Tranglo partnership cuts SEPA payout corridors from T+2 to 60 seconds (March).

The Administrative Court in Linköping annuls the injunction in May, ruling that Spelinspektionen lacked legal grounds. The regulator appeals.

Paul Myatt joins as SVP Gaming & Financial Services (February), Germany deposits launch, Luke Trayfoot arrives as CCO (April), Shopware partnership opens DACH e-commerce, and the 27-market figure appears from late in the year.

Jordan Lawrence steps down (August). Tom Greenwood leaves to run stablecoin spinoff VX2 and Steffen Vollert takes over as CEO (September). Farfetch integration lands the same month.