iGaming Payment Solutions
Europe · Verified 2026-07-31
iGaming payments inSpain
Deposits run on instant bank transfers, led by Bizum, and settle in EUR.
11
Providers with a rail here
7
Reach it directly
2
Rails tracked
EUR
Settles in
Quick info
- Currency
- EUR
- Region
- Europe
- Betting
- regulated
- Casino
- regulated
- Dominant rail
- Instant bank
- Providers
- 11 (7 direct)
- Regulator
- DGOJ
- Enforcement
- site blocking
What the rule actually is in Spain
Our own reading, not a summary of someone else's
DGOJ-licensed under Law 13/2011 and taxed at 20% of GGR, or 10% for operators registered in Ceuta and Melilla. General licences run ten years and renew for the same term, with singular licences layered on per game. The ticket is modest by European standards: roughly EUR38,000 for the general licence plus EUR2,500 per singular one, with certification costs on top. Advertising and bonus rules are among the strictest in Europe, and operating unlicensed draws fines up to EUR5m alongside website blocking. Bizum dominates deposits, and it is a bank-consortium rail rather than something any PSP can resell.
How money actually moves
The rails players reach for, in the order that matters locally
- Bizumdominant
instant bank transfer
Bank-consortium instant mobile payment, accepted at all DGOJ casinos; deposit-heavy (withdraw via bank transfer); needs real Bizum acquiring access not every PSP can resell.
- Spanish bank transfer (SEPA)major
bank transfer
Default for larger withdrawals.
Which providers reach these rails
11 of the providers we track carry a recorded entry for this market
Direct acquiring
7A direct relationship with the local rail rather than a hop through someone else's.
| Provider | Rails named | Evidence |
|---|---|---|
| Adyen | Bizum | provider's own claim |
| Checkout.com | Bizum | provider's own claim |
| CommerceGate | Spanish bank transfer (SEPA) | provider's own claim |
| Nuvei | Bizum, Spanish bank transfer (SEPA) | provider's own claim |
| OKTO | OKTO.CASH (cash voucher) | provider's own claim |
| PXP Financial | Bizum, Spanish bank transfer (SEPA) | provider's own claim |
| Worldpay | Bizum | provider's own claim |
Aggregated or indirect
4The rail is reachable, but through an aggregator, a local PSP or a wallet rather than directly.
| Provider | Access | Evidence |
|---|---|---|
| emerchantpay | Open banking | provider's own claim |
| Noda | Open banking | provider's own claim |
| PPRO | Aggregated | provider's own claim |
| TrueLayer | Open banking | provider's own claim |
Evidence grades run from named clients through platform catalogs and industry knowledge down to a provider's own claim. A claim we could not corroborate is still shown, labelled as what it is. See our methodology.
What it costs to operate, and who enforces
A missing field means we have not verified one, not that none exists
Operator tax
20% of GGR (10% for operators registered in Ceuta or Melilla)
Licence economics
General licence ten years, renewable; ~EUR38k plus EUR2,500 per singular licence; EUR5m fine for operating unlicensed
Regulator
DGOJDirección General de Ordenación del Juego
Enforcement reaches
site blocking