Inpay is a Danish FSA-regulated payment provider specializing in cross-border transactions for the iGaming industry. Established in 2008, the company offers instant payouts and Open Banking pay-in solutions to casino operators in over 90 countries, serving a quarter of iGaming's Power50 operators.
The iGaming industry demands payment solutions that balance speed, security, compliance, and player satisfaction. Inpay has emerged as a specialized provider addressing these needs through instant cross-border payouts and Open Banking deposits. For casino operators evaluating payment partners, understanding how Inpay functions within the competitive landscape is essential for making informed decisions about payment infrastructure.
Founded in 2008 by entrepreneur Jacob Tackmann Thomsen and headquartered in Copenhagen, Denmark, Inpay has built its reputation specifically within the iGaming sector. The company obtained its European Payment Institution license in 2014, enabling operations across the European Economic Area and establishing credibility as a regulated payments provider. By 2026, Inpay serves operators in over 90 countries and processes more than one million transactions monthly.
The company's focus on iGaming has resulted in specialized solutions addressing the sector's unique challenges: high customer acquisition costs, player retention through fast withdrawals, complex multi-currency operations, and stringent regulatory requirements. Inpay's client base includes a quarter of iGaming's Power50 operators, indicating significant market penetration among established brands.
Inpay offers two primary services designed to handle the complete payment cycle for online casinos: Money Out for withdrawals and Money In for deposits. This dual capability from a single provider eliminates the operational complexity of managing multiple payment vendors.
The Money Out solution addresses one of the most critical competitive differentiators in online gambling: withdrawal speed. Traditional payout methods through correspondent banking or card schemes historically required two to three days or longer. Inpay's network enables real-time payouts 24/7/365 in markets with supporting infrastructure, including the United Kingdom, India, and Turkey.
For SEPA regions across Europe, payouts process within minutes through SEPA Instant rails. The system supports over 90 currencies, allowing operators to pay players in their local currency without deductions. This full-amount delivery improves the player proposition and reduces support inquiries related to unexpected fees.
The technical implementation involves the casino sending payment files via SWIFT MT103 or through Inpay's API. Inpay screens transactions for compliance, confirms funding, and coordinates with local partners in the receiving country to complete the transfer. Operators gain access to a customer portal providing real-time transaction monitoring, customizable reports, and rich data analysis.
Inpay's Money In solution leverages Open Banking technology to enable cardless deposits directly from player bank accounts. This approach addresses several pain points associated with card payments: high decline rates, chargeback exposure, and processing fees.
The Open Banking method delivers a 99% transaction success rate compared to typical card authorization rates of 70-85% in some markets. The three-click payment process reduces friction in the deposit journey, which is critical when customer acquisition costs are high. Players authenticate directly with their bank, eliminating the need to enter card details or manage e-wallet accounts.
For operators, the benefits extend beyond conversion rates. Open Banking transactions carry zero chargeback risk since they are bank-to-bank transfers rather than card payments. The cost structure also differs significantly, with potential savings compared to card interchange fees and scheme costs. The frictionless experience contributes to improved player retention and lifetime value.
Inpay's network spans more than 90 countries, providing casino operators with the infrastructure needed for international expansion. The company's approach combines global reach with local payment method support, recognizing that payment preferences vary significantly by market.
In Europe, Inpay offers comprehensive coverage through SEPA, SEPA Instant, and SWIFT networks. The acquisition of UK-based payment provider Eurogiro in 2018 strengthened the company's position in British markets and expanded its product portfolio. European operators benefit from near-instant payouts within the SEPA Instant zone and reliable processing across all EU member states.
Asian markets present unique challenges due to diverse regulatory frameworks, varying levels of digital infrastructure, and distinct payment preferences. Inpay has developed capabilities in key markets including India, where real-time payment rails enable 24/7 processing. The company's experience navigating complex regulatory environments in markets like Japan, where online gambling exists in grey areas, provides value to operators seeking expansion.
Casino operators integrate Inpay through a single API or via supported platforms. For payouts, the casino sends payment files via SWIFT MT103 or API, Inpay screens the payments and confirms funding, then sends instructions to the partner in the receiving country to complete the payment in local currency without deductions.
For deposits, players use the Open Banking solution to pay directly from their bank accounts in three clicks, eliminating card friction. The cardless approach delivers a 99% transaction success rate with zero chargeback exposure, significantly reducing costs compared to traditional card processing.
Regulation by the Danish Financial Supervisory Authority provides Inpay with a foundation of credibility in the heavily regulated iGaming sector. The Danish FSA is recognized for rigorous oversight, and Inpay's 16-year operational history without major compliance incidents demonstrates sustained adherence to regulatory standards.
The company implements fraud detection systems to screen transactions before processing. This proactive approach protects both operators and players from financial crime while ensuring compliance with anti-money laundering requirements. For casino operators holding licenses in multiple jurisdictions, working with a regulated payment provider simplifies compliance obligations and reduces regulatory risk.
Inpay's compliance infrastructure addresses the varying requirements across different markets. The company maintains relationships with local banking partners in each served country, ensuring adherence to domestic regulations while facilitating cross-border transactions. This local presence combined with centralized oversight creates a compliance framework that scales across jurisdictions.
Technical integration represents a critical consideration when selecting payment providers. Inpay offers multiple integration pathways to accommodate different operator needs and technical capabilities. The primary method involves a single API that provides access to the entire Inpay network for both deposits and withdrawals.
For operators preferring platform-based integration, Inpay supports connections through numerous industry-trusted platforms and payment gateways. This flexibility allows operators to add Inpay without extensive custom development. Direct integration and bespoke implementations are available for operators with specific requirements or existing technical infrastructure.
The customer portal serves as the operational interface, providing transaction monitoring, reporting, and analytics. Operators can track payments in real-time, download customizable reports, and analyze payment data to optimize their payment mix. The portal operates 24/7/365, matching the always-on nature of online gambling operations.
Beyond direct operator relationships, Inpay offers partnership models for resellers, referrers, and technology enablers. Resellers integrate Inpay solutions to sell to their customer base while maintaining ownership of customer relationships. Referrers introduce merchants to Inpay, with Inpay handling onboarding and ongoing management. Technology enablers, such as payment gateways or platform providers, add Inpay to their provider lists to increase value for their clients.
These partnership structures extend Inpay's market reach and provide operators with multiple pathways to access the service. For casino operators, this means Inpay may be available through existing platform relationships, simplifying procurement and integration.
While specific pricing is not publicly disclosed and varies by operator volume and requirements, Inpay positions itself as a cost-effective solution. The elimination of deductions on payouts means players receive the full amount, which can be marketed as a competitive advantage. For deposits, the Open Banking approach offers significant savings compared to card processing fees, which typically include interchange, scheme fees, and acquirer margins.
The zero chargeback exposure on Open Banking transactions eliminates chargeback fees and the operational costs associated with dispute management. For operators in markets with high card fraud rates, this risk reduction carries substantial economic value beyond direct fee savings.
Consolidating deposits and withdrawals with a single provider reduces the operational overhead of managing multiple vendor relationships, reconciliation processes, and technical integrations. This operational efficiency contributes to the total cost of ownership calculation.
The payment provider landscape for iGaming includes specialized providers, traditional payment processors, and emerging fintech solutions. Inpay differentiates through its dual focus on instant payouts and Open Banking deposits from a single provider, combined with deep iGaming sector expertise.
The 99% transaction success rate for Open Banking deposits exceeds typical card authorization rates in many markets. The 24/7/365 payout capability in supported markets addresses the player expectation for immediate access to winnings. The combination of speed, reliability, and comprehensive geographic coverage creates a value proposition aligned with operator priorities.
Customer testimonials highlight specific benefits: digital-savvy players demanding seamless experiences, simplification of complex multi-market operations, and payout speed as a competitive differentiator. These operator perspectives indicate that Inpay delivers measurable value in areas that impact player acquisition and retention.
When evaluating Inpay as a payment solution, operators should assess several factors. Geographic alignment between the operator's target markets and Inpay's coverage areas is fundamental. Operators focused on European markets benefit from SEPA Instant capabilities, while those targeting Asian markets should evaluate Inpay's specific capabilities in their priority countries.
The bank transfer focus means Inpay does not support card payments or certain alternative payment methods popular in specific markets. Operators requiring a complete payment mix will need to combine Inpay with complementary providers. However, for operators prioritizing bank-based payments and seeking to reduce card dependency, this specialization may align with strategic objectives.
Integration requirements and technical capabilities should be evaluated against the operator's development resources and timeline. The availability of platform-based integration options reduces implementation complexity for operators using supported platforms.
Regulatory considerations vary by operator licensing jurisdiction. Inpay's Danish FSA regulation provides a strong compliance foundation, but operators should verify that the service meets specific requirements in their licensed markets.
Inpay has established itself as a specialized payment provider serving the iGaming industry with solutions addressing core operator needs: fast withdrawals, high-converting deposits, global reach, and regulatory compliance. The company's focus on instant payouts through real-time banking rails and Open Banking deposits positions it to address evolving player expectations and operator competitive pressures.
For casino operators, Inpay represents a viable option particularly suited to bank-based payment strategies, European and select Asian markets, and operators prioritizing withdrawal speed as a competitive differentiator. The single-provider approach for both deposits and withdrawals simplifies operations, while the specialized iGaming expertise provides sector-relevant support.
The decision to implement Inpay should be based on alignment between the operator's geographic focus, target player demographics, payment strategy, and technical capabilities. Operators should conduct thorough due diligence, including discussions with Inpay's sales team to understand specific capabilities in priority markets, pricing structures for their anticipated volumes, and integration requirements for their technical environment.
Inpay serves online casino operators, sports betting platforms, and other iGaming businesses operating internationally. The service is designed for operators requiring cross-border payment capabilities and serving players in multiple countries.
Withdrawal speed depends on the destination country's banking infrastructure. In markets with real-time payment systems like the UK, India, and Turkey, payouts process instantly 24/7. SEPA Instant transactions in Europe complete within minutes. Traditional SEPA and SWIFT transfers follow standard banking timelines.
Based on available information, Inpay focuses on bank-based transfers and Open Banking solutions rather than cryptocurrency payments. Operators requiring crypto payment options would need to integrate additional providers.
Inpay reports a 99% transaction success rate for Open Banking deposits. This high authorization rate significantly exceeds typical card payment success rates in many markets, reducing player frustration and improving conversion.
Open Banking transactions through Inpay carry zero chargeback exposure because they are bank-to-bank transfers rather than card payments. This eliminates chargeback fees and the operational burden of dispute management.
Inpay supports over 90 currencies and delivers payouts in the player's local currency without deductions. The system handles currency conversion and coordinates with local banking partners to complete transfers in the destination currency.
Inpay is regulated by the Danish Financial Supervisory Authority and holds a European Payment Institution license obtained in 2014. This licensing enables operations across the European Economic Area and provides regulatory credibility for iGaming operators.
Yes, Inpay offers multiple integration options including a single API for direct integration and support for numerous industry-trusted casino platforms and payment gateways. This flexibility accommodates different operator technical environments and preferences.
Inpay powers payment operations for a quarter of iGaming's Power50 operators worldwide
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