iGaming Payment Solutions
PayU Review
Fees, licenses, coverage and payouts for iGaming operators
By the iGaming Payment Solutions Editorial Team ·
What operators ask about PayU
Is PayU legit?
Yes. PayU S.A. is a KNF-licensed payment institution in Poland, authorized for payment initiation and account information services, and it holds PCI DSS Level 1. STS and Fortuna in Poland and Sazka in the Czech Republic take player deposits through it.
How much does PayU charge?
PayU prices each CEE contract separately, by market, payment method and volume.
- Deposits: a rate set in the contract for each market and method
- Player payouts: a per-transaction fee through PayU Payouts, set in the contract
- Cross-border settlement: the banking partner's FX spread
- Reserve: an enterprise contract can carry a rolling reserve tied to the chargeback ratio
Does PayU accept gambling merchants?
Yes, licensed ones only. PayU processes gambling for operators licensed in the market they serve. Its strongest verdict is Solid for a licensed sportsbook in Poland, where online casino is the Total Casino state monopoly.
Is PayU owned by Rapyd?
No. PayU CEE has belonged since November 2025 to Rainbow CE B.V., the Amsterdam vehicle that Rapyd CEO Arik Shtilman leads. Rapyd has owned PayU's Latin American and African business since March 14, 2025, and PayU India, Red Dot Payment and iyzico stay with Prosus.
Quick Info
- Type
- Full-Stack PSP
- Founded
- 2002
- HQ
- Poland
- Pricing
- Quoted per merchant
- Settlement
- T+1 - T+3
Our iGaming Score: 5.0/10
5 weighted criteria, with Trustpilot shown for context
- iGaming Fit
Gambling served directly (Polish licensed betting, lottery), no iGaming team, no casino-platform connector, own acquiring in Poland only
- Weight
- 30%
- Score
- 6.0
- Rating
- Adequate
- Geographic Coverage
One region (Central Eastern Europe), 5 countries, direct acquiring in Poland
- Weight
- 22%
- Score
- 3.0
- Rating
- Weak
- Security & Compliance
KNF payment institution license, merchant carries card chargebacks
- Weight
- 20%
- Score
- 4.5
- Rating
- Weak
- Fees & Pricing
Deposit rate quoted per contract by market, method and volume
- Weight
- 16%
- Score
- 5.0
- Rating
- Adequate
- Tech & Integration
REST API, 2-6 weeks onboarding
- Weight
- 12%
- Score
- 7.0
- Rating
- Strong
- User Trust
1.2 on Trustpilot from 140 reviews
- Weight
- context only
- Score
- 2.4
- Rating
- Insufficient
- Overall
- Weight
- 100%
- Score
- 5.0
- Rating
- Adequate
We score each provider on 5 weighted criteria using a 1 to 10 scale. iGaming Fit carries the most weight at 30%, because it measures whether and how directly the provider serves gambling. Geographic Coverage gets 22%. Security & Compliance gets 20%. Fees & Pricing gets 16%. Tech & Integration gets 12%. The final score is a weighted average of those 5. Trustpilot is shown for context and carries no weight, since most reviews on a payment provider's profile come from players rather than from the operators it serves.
Score Explanation
Geographic Coverage is 3 because PayU processes in one region, Central Eastern Europe, across five countries. iGaming Fit reaches 6 on gambling as a direct vertical, with licensed betting in Poland and lottery operators on the list, while PayU runs no dedicated iGaming team, has no connector to a casino platform and acquires directly in Poland alone. Security & Compliance stands at 4.5 on the KNF payment institution authorization of PayU S.A., and the operator carries card chargebacks. Fees & Pricing sits at 5 because deposit rates, payout fees and setup terms are all quoted contract by contract. A REST API against 2-6 weeks of onboarding puts Tech & Integration at 7. User Trust, shown as context, is 2.4 from a 1.2 Trustpilot rating on 140 reviews.
Who Is PayU Best For?
The operator profiles that fit, and the ones that do not
Recommended For
- Licensed Polish sportsbooks on BLIK. With a Polish betting license and most of your deposits on BLIK or bank transfer, one PayU contract carries BLIK, pay-by-link and online banking in PLN beside your card acquirer.
- Czech and Polish lottery operators. Sazka already takes payments through PayU at its sazka.cz cashier, and PayU serves lottery and state operators as a vertical. If you run a lottery or state operator in the Czech Republic or Poland, a PayU contract settles the volume in CZK or PLN.
- Operators already running an orchestrator. On NORBr, Corefy, Primer or IXOPAY you add PayU as the Polish rail without a new build, because it is a ready connector on all four, and your card acquirer stays where it is.
Not Recommended For
- Offshore-licensed casinos and sportsbooks. A brand licensed in Curacao cannot open a PayU account, because PayU boards a gambling operator only where the operator holds that market's license. AstroPay boards Curacao and MGA licensees in 24 countries and charges 1-2.5% on deposits.
- Crypto casinos. No crypto passes through PayU, which settles in fiat only. BVNK takes stablecoin payins and payouts under a MiCA authorization the MFSA granted on February 13, 2026, and CoinsPaid serves MGA and Curacao crypto casinos at 0.8-1% on deposits.
- One PSP for several regions. PayU's five markets all sit in Central Eastern Europe, so a book spread across Western Europe, North America or Latin America gets no coverage beyond them. Worldpay processes in 146 countries and acquires gambling deposits directly in 10 markets, Poland among them, from $750k+ a month.
- Casinos that want a plug-in on their platform. SoftSwiss, EveryMatrix and Slotegrator have no PayU connector, so a casino on one of them budgets 1-3 weeks of API work or routes through NORBr, Corefy, Primer or IXOPAY, where PayU is a ready connector.
- Operators that want an iGaming-native PSP. Gambling is one vertical at PayU beside eCommerce, SaaS and ride-hailing, and PayU runs no iGaming sales or account team. Nuvei serves UKGC, MGA, Curacao, Isle of Man and US licensees and acquires gambling payments directly in 17 markets.
Geographic Coverage
Per-market verdict, regions, and market focus
Each market carries two verdicts, one for an offshore operator and one for a locally licensed one, because the same provider fits them differently. The overall score rates the company, and these verdicts rate its fit for your market.
Offshore operator
Curaçao / Anjouan license, serving gray and restricted markets.
Licensed operator
Holds the local license in a regulated market.
Market-by-market verdict
Not served for offshore operators in the markets below.
No served markets on this profile.
| Market | Casino | Sportsbook |
|---|---|---|
| PL Poland | — | Not served |
| HU Hungary | Not served | Not served |
| SK Slovakia | Not served | Not served |
The tier is the verdict. The small number orders providers inside a tier, and it is not a provider-level score. Full method on our methodology page.
Coverage Analysis
PayU processes in five countries of Central Eastern Europe: Poland, Romania, the Czech Republic, Hungary and Slovakia. Poland is the one market where it acquires directly, while Slovakia and Hungary run on aggregated access.
Regional Breakdown
Poland carries PayU's gambling business, and PayU ranks among the three most used checkout methods in Polish eCommerce, so players know the brand at the cashier. Licensed sportsbooks are the gambling market PayU serves there, because online casino in Poland is the Total Casino state monopoly, which does not take PayU.
In Slovakia and Hungary PayU reaches local cards and online bank transfers through aggregated access and settles in EUR and HUF, so an operator licensed in Slovakia or a sportsbook licensed in Hungary gets card and bank-transfer deposits without the direct acquiring PayU runs in Poland.
Romania and the Czech Republic run on the same technical infrastructure as Poland and settle in RON and CZK. PayU holds no ONJN license, while Nuvei has held an ONJN Class II license since April 1, 2026 and acquires directly in Romania, so an ONJN licensee that wants its processor licensed by the ONJN signs with Nuvei.
Gambling Licenses Served
- Poland
- Czechia
Key Features for iGaming Operators
Products, payment methods, and verticals
Key Products
- Payment Gateway
- Smart Routing Engine
- PayU Payouts
- recurring/subscription billing
- hosted checkout
- white-label gateway
PayU's CEE product is a payment gateway with the Smart Routing Engine underneath and PayU Payouts on the other side of the cashier. The routing engine picks the acquirer for each card transaction by BIN, amount, geography and historical approval rates and retries a soft decline on another path automatically, which cuts card declines against a single-acquirer setup. It routes only inside PayU's own acquirer network, so it does not do the job of an orchestrator that spreads volume across PSPs. PayU Payouts runs bulk and one-off payouts itself, with custom approval flows, scheduled payouts and multi-bank support.
Payment Methods
The Polish menu carries PayU's value for a gambling cashier: BLIK, which PayU runs as a direct participant under its own KNF license, plus pay-by-link bank transfers and online banking payments. Apple Pay and Google Pay work across the CEE stack, and PayU treats a tokenized device payment as SCA-equivalent, so the wallet's own authentication covers the deposit.
Verticals
PayU serves eCommerce, SaaS, marketplaces, hospitality, ride-hailing and education, and on the gambling side licensed betting in Poland and lottery and state operators. PayU Payouts sends gaming winnings along with refunds, marketplace seller payments, payroll and insurance claims.
- eCommerce
- SaaS
- marketplaces
- hospitality
- ride-hailing
- education
- licensed betting (Poland)
- lottery/state operators
- Deposit ProcessingAvailable
Instant
- Withdrawal / PayoutAvailable
SEPA and domestic rails at local clearing times
- Instant WithdrawalsNot published
SEPA and domestic rails at local clearing times
- KYC / AML Built-inNot published
Not published
- Chargeback ProtectionNot available
Merchant carries chargebacks
- Multi-CurrencyAvailable
PLN, EUR, RON, CZK, HUF
- API IntegrationAvailable
REST API + SDK + hosted page + embedded UI + plugins
- Crypto SettlementNot available
Fiat settlement only
- Local Payment MethodsAvailable
Local methods in 3 markets
- iGaming SpecializationAvailable
Smart Routing Engine, BLIK and pay-by-link bank transfers, PayU Payouts
- Geographic CoverageAvailable
5 countries across Central Eastern Europe
Pricing & Fee Structure
Fee structure and pricing model
Pricing
CustomPayU S.A. negotiates the deposit rate in each CEE contract by market, payment method and volume.
CustomPayU S.A. charges per transaction for CEE player payouts through PayU Payouts, at a price set in each contract.
T+1 - T+3
Not published
Set by chargeback ratio
CustomPayU S.A. negotiates setup terms in each CEE contract.
Not published
No
Pricing Details
PayU quotes every CEE contract separately. The deposit rate is set by market, payment method and volume, player payouts through PayU Payouts carry a per-transaction fee set in the same contract, and setup and volume terms are negotiated case by case. An enterprise contract can include a rolling reserve tied to the merchant's chargeback ratio, so a sportsbook whose chargeback ratio climbs can see part of its volume held back. Cross-border settlement runs at the banking partner's FX spread, while volume that settles in PLN, EUR, RON, CZK or HUF needs no conversion.
Negotiation Tips
Ask for the deposit rate per method, because BLIK is cheap to process while local card schemes vary, and a blended rate hides that gap. Push for volume tiers at $50k, $100k, $250k and $500k a month, so the rate steps down as your book grows. If you settle cross-border, get the FX markup as a flat percentage, since the banking partner's spread adds 1-2% on top of the transaction fee. Checkout.com quotes a flat 1%. Write the reserve trigger into the contract: the chargeback ratio that starts it, the share it holds and the release date.
Speed & Settlement
Transaction processing and settlement timelines
- Deposit
- Instant
- Withdrawal
- SEPA and domestic rails at local clearing times
- Settlement
- T+1 - T+3
- Settlement currencies
- EUR, PLN, RON, CZK, HUF
- Refunds
- Not published
Deposits by card, wallet and BLIK credit instantly. PayU settles to the operator T+1 to T+3 depending on the method, so a Friday deposit on a T+3 method reaches the operator on Wednesday. Nuvei settles T+2 to T+7, so on the slowest method PayU puts the operator's cash in the bank 4 business days sooner. Player payouts go out through PayU Payouts over SEPA and domestic rails at local clearing times, in batches PayU runs itself. Refunds come off the next settlement and reach the customer in 5-7 business days. Nuvei and Adyen return them in 3-5 business days, so a refunded player at PayU waits up to 2 business days longer.
Integration & Tech
Developer experience and technical capabilities
- API Type
- REST API + SDK + hosted page + embedded UI + pluginsPayU S.A. documents its API on developers.payu.com/europe. The mobile SDKs cover iOS, Android, React Native, Flutter and Cordova.
- Onboarding
- 2-6 weeksPayU S.A. onboards merchants under KNF and local regulator requirements. It adds a risk-profile review for a gambling applicant and runs no gambling fast track.
- Sandbox
- YesFull sandbox with Postman collection for PayU S.A. (developers.payu.com/europe).
- Mobile SDK
- Yes
- White-Label
- NoPayU sells a white-label gateway to banks and fintech partners, which run it under their own brand.
- Docs Quality
- Good
Integration Time
1-3 weeks
Pre-Built iGaming Integrations
- NORBr
- Corefy
- Primer
- IXOPAY
Integration Assessment
PayU offers four integration paths: a server-to-server REST API, a hosted redirect checkout, the embedded Drop-In web SDK and payment links for one-off invoices. REST integration takes 1-3 weeks, and mobile SDK work adds 1-2 weeks. The SDKs cover iOS, Android, React Native, Flutter and Cordova, so a cross-platform betting app does not have to wrap native iOS and Android code. PayU's pre-built connectors are the NORBr, Corefy, Primer and IXOPAY orchestration platforms. Operators on SoftSwiss, EveryMatrix or Slotegrator therefore build against the API or reach PayU through one of those orchestrators. Onboarding a gambling merchant takes 2-6 weeks under KNF and local regulator requirements, with a risk-profile review of the gambling applicant and no gambling fast track. Nuvei onboards in 2-4 weeks and Adyen in 4-8 weeks, so PayU can run 2 weeks longer than Nuvei and still finish 2 weeks ahead of Adyen.
Risk & Compliance
Licensing, fraud prevention, and regulatory compliance
Operator Licenses Served
- Poland
- Czechia
- KYC/AML Automation
- Not available. Not published
- Chargeback Protection
- Not available. Merchant carries chargebacks
Licenses and Registrations
- PCI SSCPCI DSS Level 1
- KNFPayment institutionPayU S.A.since 2012
Covers payment initiation and account information services since 2019.
- Fraud Prevention
- AI-powered Decision Engine, 3DS 2 dynamic routing, smart retry, device fingerprinting, velocity rules
- Responsible Gaming
- No
- Tokenization
- YesNetwork tokenization plus vault tokenization. PayU S.A. issues network tokens via the card schemes.
- Dispute Resolution
- Merchant dashboard dispute workflow with evidence upload and automated representment
Compliance Context
PayU holds PCI DSS Level 1, renewed in an annual audit. Its Decision Engine picks the 3DS 2 version for each transaction, and 3DS 2 is the default flow in CEE, which moves card chargeback liability to the issuer on a fully authenticated payment. On every other card payment the operator carries the chargeback. The KNF authorization of PayU S.A. covers payment initiation and account information services, so PayU initiates pay-by-bank payments under its own license.
Regulatory Position
PayU S.A. has been a KNF-authorized national payment institution in Poland since 2012. The authorization, the rails and the PayU brand carried over unchanged when Rainbow CE B.V. bought the business. PayU holds no gambling license of its own and processes inside the regulatory perimeter of the licensed operator it serves. For Polish licensed sports betting and lottery, its KNF authorization covers the payment side. PayU serves operators licensed in Poland and takes gambling only from operators licensed in the market they serve, which shuts out every offshore-licensed brand.
About PayU: Company Background
Company and product information
- Company Name
- PayU
- Headquarters
- Poland (PayU S.A.) / Amsterdam, Netherlands (Rainbow CE B.V.)
- Founded
- 2002
- Employees
- Not published
- Company Type
- Private
- Product Type
- Full-Stack PSP
- Licenses
- KNF Payment institution
- Key Products
- Payment Gateway, Smart Routing Engine, PayU Payouts, recurring/subscription billing, hosted checkout, white-label gateway
- Website
- payu.pl
- Supported Verticals
- eCommerce, SaaS, marketplaces, hospitality, ride-hailing, education, licensed betting (Poland), lottery/state operators
- Integration Type
- REST API + SDK + hosted page + embedded UI + plugins
- Settlement Speed
- T+1 - T+3
- Onboarding Speed
- 2-6 weeks
- iGaming Clients
- STS, Fortuna, Sazka
Company History
2002: PayU started in the Netherlands with payment processing for Central and Eastern Europe.
2006: PayU entered Poland, which became its anchor market.
2010: PayU expanded into the Czech Republic.
2011: PayU expanded into Romania.
2012: The KNF authorized PayU S.A. as a national payment institution in Poland.
2019: The KNF extended the PayU S.A. authorization to payment initiation and account information services.
August 2023: Prosus, which as Naspers had owned PayU through the 2010s, agreed to sell PayU's Global Payment Organisation, the CEE business included, to Rapyd. The CEE part later closed as a separate sale.
April 2025: Poland's competition authority cleared the takeover of PayU CEE by Rainbow CE B.V.
November 2025: Prosus closed the sale of PayU CEE to Rainbow CE B.V. of Amsterdam.
April 24, 2026: Arik Shtilman, who has been assembling former PayU assets since 2023, became president of the management board (prezes zarządu) of PayU S.A.
What Users Say About PayU
140 reviews on Trustpilot
Review Analysis
PayU rates 1.2 on Trustpilot from 140 reviews on its payu.pl profile, and 98% of them are one-star. Almost all come from consumers complaining about merchants whose payments ran through PayU.
Context for Operators
The rating tracks retail shoppers' disputes with merchants, so it says little about how PayU runs a sportsbook cashier.
iGaming Clients
STS, Fortuna, Sazka
STS and Fortuna, two of Poland's biggest licensed bookmakers, take player deposits through PayU, and Sazka takes payments through it at its sazka.cz cashier in the Czech Republic. Outside gambling, Allegro and Empik, two of Poland's top eCommerce platforms, take payments through PayU.
Operational Details
Business terms, contracts, and support
- Dedicated Account Manager
- Enterprise accounts only
- Minimum Monthly Volume
- CustomPayU S.A. sets CEE terms contract by contract, by market, method and volume.
- Contract Lock-In
- Not published
- Migration Support
- No
- Min/Max Transaction
- Not published
- Mass Payouts
- Batch
- Biometric / One-Click
- Yes
- Reporting
- Real‑time merchant dashboard with daily/weekly/monthly reports, settlement reconciliation, refund logs and webhook event stream
At $1M a month, T+1 to T+3 settlement keeps $33k-100k of deposits in transit on a 30-day month, and more over a weekend, when a T+3 method stretches to 5 calendar days. Under an enterprise contract, a reserve triggered by the chargeback ratio can sit on top of that money in transit, on terms the contract sets. A named account manager comes only with an enterprise contract, and self-serve merchants get ticket support.
Frequently Asked Questions
10 questions about PayU
Settlement to the operator runs T+1 to T+3 by payment method. Player payouts go out through PayU Payouts over SEPA and domestic rails at local clearing times, and refunds reach the customer in 5-7 business days.
Building on the REST API takes 1-3 weeks, plus 1-2 weeks for the mobile SDKs. A gambling merchant's onboarding runs 2-6 weeks with a risk-profile review, so an enterprise iGaming integration runs 1-2 months end to end.
PayU sets volume terms in each CEE contract, by market, payment method and volume.
No. PayU has no connector to SoftSwiss, EveryMatrix or Slotegrator, and it plugs into the NORBr, Corefy, Primer and IXOPAY orchestrators instead. A casino on those platforms builds against the PayU API or routes through one of the four.
PayU covers five countries: Poland, Romania, the Czech Republic, Hungary and Slovakia. It acquires directly in Poland, runs Slovakia and Hungary on aggregated access and processes nothing outside Central Eastern Europe.
No. PayU needs a gambling operator to hold the local license of each market it takes deposits in, so a Curacao license does not qualify. AstroPay is the fit for that profile, with Curacao and MGA licensees on its books.
No. PayU settles in fiat only and handles no crypto. BVNK holds a MiCA authorization from the MFSA, granted February 13, 2026, and takes stablecoin payins and payouts for a regulated EU operator.
The operator carries chargebacks on card payments, and a fully authenticated 3DS 2 payment shifts liability to the issuer. PayU runs 3DS 2 by default in CEE, and the merchant dashboard handles disputes with evidence upload and automated representment.
Both acquire directly in Poland. PayU settles T+1 to T+3 and runs BLIK as a direct participant, while Nuvei settles T+2 to T+7 and adds direct acquiring in Romania, an ONJN Class II license and 200 countries. Nuvei asks $500k+ a month, and PayU sets its volume terms in each contract. PayU fits a sportsbook licensed in Poland that wants a local BLIK rail, and Nuvei fits an operator that needs one PSP across Poland, Romania and markets beyond CEE.
Both acquire directly in Poland, take BLIK and settle T+1 to T+3. Checkout.com asks $1M a month and holds a 5-15% reserve for 90-180 days, while PayU sets volume terms and any reserve in each contract. Checkout.com processes in 150 countries under FCA and ACPR e-money licenses. PayU fits a Polish licensee that wants BLIK and local bank payments as its CEE rail, and Checkout.com fits an operator moving $1M or more a month in cards across several regions.
Our Verdict: Should You Use PayU?
Final assessment for iGaming operators
Overall iGaming Score
Summary
PayU gives a licensed Polish sportsbook BLIK and pay-by-bank deposits beside its card acquirer. It connects to no casino platform, so the cashier needs an API build or an orchestrator, and PayU sets every rate in the contract. That makes it the Polish rail of a wider stack, and the call turns on how much of the operator's volume is Polish and licensed.
Strongest Point
PayU S.A. runs BLIK as a direct participant under a KNF authorization it has held since 2012.
Key Limitation
PayU acquires directly only in Poland and processes nothing outside Central Eastern Europe, so a Polish licensee with brands in Western Europe or Latin America needs a second PSP.
Recommendation
Sign with PayU if you hold a Polish betting license and need a BLIK rail next to your card acquirer. Before you sign, write the chargeback ratio that triggers a reserve into the contract.
Pros
- Carries BLIK and pay-by-bank initiation in Poland on its own KNF authorization, extended to payment initiation in 2019, so no licensed third party sits between the cashier and the bank.
- Settlement lands T+1 to T+3, up to 4 business days sooner than Nuvei at T+2 to T+7 on the slowest method.
- SDKs for React Native, Flutter and Cordova ship next to iOS and Android, so a cross-platform betting app integrates without wrapping native code.
- The Smart Routing Engine retries a soft card decline on another acquirer path automatically, which recovers deposits a single-acquirer setup loses.
Cons
- Offshore-licensed brands cannot board in any of PayU's five markets, which shuts out every casino licensed in Curacao.
- Settles in fiat only, with no crypto rail in any market, so crypto players need a second provider.
- A multi-market book runs PayU as one rail of several, since the footprint stops at five Central Eastern European countries.
- Offers no casino-platform connector, which leaves a SoftSwiss, EveryMatrix or Slotegrator casino with a 1-3 week API build or an orchestrator in between.
- Refunds take 5-7 business days to reach the customer, against 3-5 at Nuvei and Adyen.
- A rolling reserve triggered by the chargeback ratio can sit in an enterprise contract, and a chargeback spike then locks cash mid-contract.
Ready to evaluate PayU for your business?
PayU vs. Alternatives: How It Compares
Similar payment processing solutions
Offshore-licensed operators belong with AstroPay, which works with Curacao and MGA licensees. A crypto cashier goes to BVNK under its MFSA MiCA authorization for a regulated EU operator, or to CoinsPaid for an MGA or Curacao crypto casino at 0.8-1% on deposits. An operator that wants one PSP beyond Central Eastern Europe fits Nuvei, which processes in 200 countries, or Worldpay, which acquires directly in 10 markets including Poland and asks $750k+ a month. An operator licensed in Mexico or Colombia fits EBANX, which runs its own acquiring in both and carries 200+ methods in 25 countries.
When to Choose an Alternative
- EBANX
Choose EBANX if you hold a gambling license in Mexico or Colombia, since PayU covers no Latin American market. EBANX runs its own acquiring in both, processes in 25 countries with 200+ methods and takes only operators licensed in each market where they use it.
- AstroPay
Choose AstroPay if you hold a Curacao or MGA license. AstroPay takes Curacao, MGA and Latin American licensees in 24 countries, charges 1-2.5% on deposits with a 5-8% reserve for 3 months, and asks $100k a month with no lock-in.
- Nuvei
Choose Nuvei if one PSP has to cover Poland, Romania and markets beyond CEE. Nuvei acquires gambling payments directly in 17 markets, holds an ONJN Class II license in Romania granted April 1, 2026, and serves UKGC, MGA, Curacao, Isle of Man and US licensees. It charges 1.5-3.5% on deposits with a $500k+ minimum and a 12-month lock-in.
- Checkout.com
Choose Checkout.com if you move $1M a month or more in cards and want one acquirer across Europe with BLIK included. It acquires directly in six markets, Poland among them, holds FCA and ACPR e-money licenses and charges 1.5-3.5% on deposits, holding a 5-15% reserve for 90-180 days under a 12-month lock-in.
- iGaming score 8.2 out of 10
Adyen
Enterprise PSP- Deposit Fee
- 0.6% + interchange
- Settlement
- T+1 - T+3
- Methods
- 250+
- Trustpilot
- 1.3/5
- iGaming score 7.0 out of 10
Checkout.com
Full-Stack PSP- Deposit Fee
- 1.5‑3.5%
- Settlement
- T+1 - T+3
- Methods
- 150+
- Trustpilot
- 2/5
- iGaming score 8.8 out of 10
Nuvei
Full-Stack PSP- Deposit Fee
- 1.5‑3.5%
- Settlement
- T+2 - T+7
- Methods
- 720+
- Trustpilot
- 3.5/5
Related Reading
Operator guides and analysis relevant to evaluating PayU.
End of Report. PayU Provider Assessment Report 2026
Prepared and reviewed by the iGaming Payment Solutions Editorial Team ·