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Zimpler Review

6.9/10

Through Zimpler, players deposit and get paid out account to account over open banking. It connects to Swish in Sweden and Pix in Brazil without an intermediary bank, and in Brazil it holds its own license. Every deposit in Sweden, Finland, Denmark and Estonia brings operators bank-verified player data, and with Zimpler GO that data is enough to open an account without a sign-up form.

  • Founded 2012
  • Stockholm, Sweden
  • 120 employees
  • B2B only
  • Updated October 24, 2026
Our take

Zimpler suits mid-size and large operators with traffic from Sweden, Finland, Denmark, Estonia or Brazil whose cashier needs to take payment straight from the player's bank account. It pays off most for operators that serve the Nordics and Brazil at once. In Sweden, it is a direct Swish participant and adds Swish to the same contract as Pay by Bank, so operators skip the search for a bank willing to work with gambling. In Brazil, it holds its own payment license and connects to Pix directly. Deposit conversion is 98%, and there are no chargebacks. The average fee is about 0.5–0.6% per transaction, and a player can deposit or withdraw up to €15,000 at a time. Zimpler GO requires a backend that creates player accounts from bank data arriving mid-payment. There are no cards or e-wallets, though, and Zimpler takes deposits only in its five markets.

in business
14 years
countries
25
Banks
350M accounts, 5,200 banks
Pricing
Category
Payment provider
Best for
Small operatorsEnterprise
Pricing
About 0.5–0.6% per transaction
Ownership
Part of TrueLayer
Products
A2A paymentsZimpler GOZimpler ID+Local payment systems
Verticals
Casino
Regions
EuropeLatAm

Our take

Strengths
  • Settlement runs through Zimpler without a third-party PSP in the chain, and operators withdraw their balance in EUR, SEK or DKK on demand or on a schedule
  • Payments go account to account and never touch a card, so operators see no chargebacks
  • A player who deposited through Zimpler gets paid in one click to the account already on file and never re-enters bank details
  • With Zimpler GO, operators create the player's account from the bank data of the first deposit and need neither a sign-up form nor a separate KYC provider
  • Zimpler tracks stuck deposits, and players have their money back within 1–2 business days
  • Operator support answers in under an hour on average and takes up to 24 hours on complex cases
Watch-outs
  • Deposits work only in Sweden, Finland, Denmark, Estonia and Brazil, while in 21 more European countries Zimpler only pays out over SEPA
  • The methods are account-to-account payments, Swish and Pix, with no cards, e-wallets or cash options
  • On mobile, the payment flow breaks in an iframe, and redirects and passkey login can fail inside iOS and Android in-app webviews
  • Player support runs by email and in English, with weekend hours until 5 p.m.
Best for

Mid-size and large operators that need account-to-account payments plus Swish on one contract in Sweden, bank deposits and payouts with player data attached in Finland, Denmark and Estonia, and Pix deposits and payouts to the player's CPF in Brazil

Not for

Operators with UK or US traffic, and high-roller brands that need deposits and payouts above €15,000 per transaction.

Markets & licensing

Zimpler AB is a payment institution licensed and supervised by Finansinspektionen. Under PSD2 it initiates payments, accesses account information and executes payment transactions. The Swedish license is passported, so Zimpler can offer these services across the EU and EEA. The Brazilian business is a separate entity, Zimpler Brasil Instituição de Pagamento Ltda. The Central Bank of Brazil licensed it to issue electronic money in June 2025 and admitted it to Pix in November 2025.

Compliance

. An in-house AML team checks clients at onboarding and monitors every payment.. Zimpler screens payout recipients against sanctions lists and declines transactions from IP addresses in high-risk countries or from underage players.. Finansinspektionen and the Central Bank of Brazil supervise Zimpler, and in the UK its parent TrueLayer's FCA license applies.

Regulated markets
SwedenBrazil

Zimpler is licensed to accept payments in Sweden and Brazil. The passported Swedish license also covers deposits, payouts and KYC in Finland, Denmark and Estonia.

Not available in
United KingdomUnited States

Neither UK nor US players can deposit through Zimpler, and US players get no payouts either.

Licenses
SwedenFinansinspektionen. Deposits, payouts and KYC in Sweden, Finland, Denmark and Estonia, plus SEPA payouts across Europe. Zimpler AB, payment institution with PIS and AIS under PSD2.BrazilBCB, PI. Zimpler GO and Pix payments in BRL. Zimpler Brasil, payment institution that issues electronic money.BrazilBCB, Pix participant. Pix deposits and payouts to the player's CPF. Zimpler Brasil.United KingdomFCA. TrueLayer group's Pay by Bank in the UK. TrueLayer, the parent group's FCA license.

In short: Own PI licenses in Sweden and Brazil, with the UK FCA license held only at the TrueLayer group level.

Certifications
Pix participant
Responsible gaming
Responsible gaming. Operators lower or decline a deposit to keep it within the player's limit. Players can self-exclude in Zimpler for 3 or 6 months or indefinitely, and an indefinite exclusion lasts at least 12 months.

Methods & rails

What's available

Card acquiringNo
Bank reach350M accounts, 5,200 banks
Cash acceptanceNo
In-house e-walletNo
APIREST API v4, Basic auth
DocumentationOn request

A2A rails

SEPASwishPix

Flagship local methods

SwishPix

Payout rails

Instant bank payoutsSEPASwishPix

Processing features

Not offered: Payment routingNot offered: Chargeback managementInstant payouts

Integrations & engineering

Unified API

Operators connect Zimpler directly over the API or through a platform that already offers it, such as Nuvei, Pragmatic Solutions, Praxis Tech or Finnplay. Each transaction starts with a server-side call that returns a Zimpler link, which operators open in an iframe, in a pop-up window or through a redirect, though iframes break on mobile. Operators then confirm or reject each deposit and payout with a separate call and tie it to the player's ID or personal identity number to keep out deposits from other people's accounts. If a KYC callback goes unanswered for 10 seconds, Zimpler retries the request, and after a second failure the transaction expires within 15 minutes. API credentials arrive through a one-time link and only after onboarding, and there is no self-service sign-up.

Gaming platforms
Pragmatic SolutionsBejoynd

Casino platforms with Zimpler already integrated

Distribution
Nuveipayabl.

PSPs that offer Zimpler as one of their payment methods

Non-gambling clients
Björn Lundén, Fairlo, Skovik, Handlarfinans (non-gambling companies)FortnoxMyClubSkovik automates employee expenses
Stack:REST APIWebhooksiframe, pop-up, redirectZimpler sandbox & merchant portal

Products

Every Zimpler product works through the player's bank. Account-to-account deposits and payouts form the core, and operators add what their funnel needs: login and KYC through the first deposit with Zimpler GO, pre-deposit player verification with ID+, and Swish in Sweden. In Brazil, the whole lineup runs on Pix.

01Pay by Bank

A2A payments

Account-to-account deposits and payouts in Sweden, Finland, Estonia and Denmark, up to €15,000 at a time.

Price
about 0.5–0.6% per transaction
Countries
4
Banks
5,200
Deposit settlement
Within seconds
Bank data
NameDate of birthAddressPEP flagAccount number
Payment ProvidersOpen banking
02Pay N Play

Zimpler GO

Pay N Play for Northern Europe and Brazil, where players register as they make their first deposit through their bank or Pix.

Checkout time
From 13 seconds
Bank data
NameDate of birthAddressNational ID numberAccount numberPEP flag
Payment ProvidersOpen banking
03KYC

Zimpler ID+

Bank-based KYC that verifies players before their first deposit and then lets them log in to the site with a fingerprint or Face ID.

Verification time
Instant
Checks
eID & bank ID
KYC & ComplianceIdentity verification
04Local payment methods

Local payment systems

Swish in Sweden and Pix in Brazil, which Zimpler connects directly rather than through an intermediary bank.

Deposit settlement
Within seconds
Local payment methods
SwishPix
PSP contracts
Zimpler
Payment Providers

Track record

Johan Friis and Kristofer Ekman Sinclair founded the company in 2012, and in 2024 Friis became head of its iGaming business. Johan Strand joined Zimpler as CFO in 2016 and has run it as CEO since 2021. Zimpler has four offices across Sweden, Malta and Brazil, with headquarters in Stockholm. The team has more than 120 people from 26 countries.

25payout countries. 2025
350Mbank accounts in the network. 2025
8.6MSwish users. 2025 · That is how many Swedes pay with Swish, and Zimpler is a direct participant in the scheme.
~300Kbusinesses on Swish. 2025
20Musers across TrueLayer and Zimpler. 2026 · This is the group's combined base after TrueLayer closed the deal in March 2026.
25payout countries. 2025
350Mbank accounts in the network. 2025
8.6MSwish users. 2025 · That is how many Swedes pay with Swish, and Zimpler is a direct participant in the scheme.
~300Kbusinesses on Swish. 2025
20Musers across TrueLayer and Zimpler. 2026 · This is the group's combined base after TrueLayer closed the deal in March 2026.
Company
Legal entity. Zimpler works under a Swedish payment license, with Finansinspektionen as its supervisor.Zimpler AB (Sweden)
Parent group. London-based TrueLayer has been building Pay by Bank since 2016 and operates in 22 countries.TrueLayer
Also known as. As PugglePay, the company offered payments by phone number from 2012 and rebranded as Zimpler in 2016.PugglePay
Countries served. Sweden, Finland, Denmark, Estonia and Brazil have both deposits and payouts, and 21 more European countries receive SEPA payouts only.25
Offices
SwedenMaltaBrazil
Leadership
Johan StrandCEO · since 2021
Sabrina FariaManaging Director, Brazil · since 2025
Kristofer Ekman SinclairCo-founder, Strategic Initiatives · since 2012
Francesco SimoneschiCo-founder and CEO of TrueLayer · since 2016
Milestones
  1. 2012

    The company started out as PugglePay, offering payments by phone number.

  2. 2016

    PugglePay renamed itself Zimpler and launched an e-wallet.

  3. 2017

    Finansinspektionen licensed Zimpler.

  4. 2020

    Zimpler dropped its e-wallet and invoice payments to focus solely on A2A, and growth sped up sharply afterward.

  5. 2023

    Frank & Fred launched a casino in Brazil on Zimpler GO, and Zimpler opened an office in São Paulo.

  6. 2025

    In June Zimpler got its Brazilian license, and in September it launched Swish by Zimpler Direct. TrueLayer announced the acquisition in October, and in November Zimpler became a Pix participant.

  7. 2026

    In February Zimpler partnered with Bejoynd on account-to-account payments for the BE Core platform, starting with Denmark. TrueLayer closed the acquisition in March, bringing Zimpler into its group.

Growth markets
Brazil. Its own license and PixFinland. Zimpler launched ID+ in FinlandDenmark. Through the BE Core platform
Awards
Deloitte Sweden Technology Fast 50Win · 2018. Zimpler placed third among the fastest-growing companies.
GP Bullhound x Viva TechnologyEurope's most promising fast-growing companiesShortlist · 2023

Zimpler alternatives

AttributeZimplerTrustlyBrite PaymentsVolt
Founded2012200820192019
Team120900160202
Sportsbook—YesYesYes
LicensesSweden, Brazil, United Kingdom +1Sweden, United States, United KingdomSweden, United KingdomUnited Kingdom, Poland, Romania +1
US marketNot activeCore marketNot activeNot live
PricingAbout 0.5–0.6% per transaction€1 per transaction0.5–1.5% of deposits£1.60 per transaction on average
Methods & rails—11—
Currencies—13——
EMI / PI licensesSweden, BrazilSweden, United KingdomSweden, United KingdomUnited Kingdom, Poland
PayoutsOn demand, daily or weekly—Under 60 secondsWithin seconds
Instant payoutsYesYesYesYes

Fees & payouts

Each transaction costs operators about 0.5–0.6% on average, and a payout to a player is priced the same as a deposit.

Zimpler charges players only for currency conversion, though operators may add a method fee and the player's bank may take its own commission

Terms

Processing feeabout 0.5–0.6% per transaction
Payout feesNo

Money movement

Merchant settlementOn demand, daily or weekly
Player payout timeInstant
Currency conversionEUR, SEK, DKK, BRL, settlement in EUR, SEK or DKK
Onboarding / KYBSales reply within a day, then KYB and video sign-off

Onboarding path

  1. 1Fill in the sales form and pick your annual revenue band, from “just getting started” to €1 billion and above. Zimpler's sales team replies within a day.
  2. 2Complete KYB. Zimpler collects details on your beneficial owners and key people, your ownership structure and copies of documents, and screens those people against PEP and sanctions lists.
  3. 3Get your API credentials through a one-time link, then set up and test deposits, payouts and KYC in the sandbox with the Zimpler team.
  4. 4Record videos of the test scenarios on iPhone, Android and desktop, from a deposit and a closed window to a declined payout, and send the transaction IDs to the Zimpler team for sign-off.
  5. 5After the review, Zimpler takes the integration live, and its team then monitors transactions and fine-tunes the connection. If you need Swish, the team connects it for you.
Available as add-ons:Embedded Flows: operator-branded payment flowFX: transactions in EUR, SEK, DKK and BRLCustomer Identification & Data: player data from the bankAccount Information: the player's actual bank accounts

Support

SLAUnder an hour on average
Support channels
Email