iGaming Payment Solutions
Trust Payments ReviewIs It the Right Payment Solution for Your iGaming Business?
Adequate
London PSP founded 1997 as Secure Trading, rebranded Trust Payments in 2020. About 500 employees across 9 offices in UK, EU, US and Asia. FCA Authorised Payment Institution (Ref 932557) and MFSA-regulated in Malta. Rare 4-scheme Principal Member: Visa, Mastercard, Diners and Discover. TRU Connect gateway covers 160+ payment methods and 160+ currencies with settlement in 14 currencies (24 for gaming). Six US state gaming vendor licenses including NJ, PA, MI, CO and NV. SoftSwiss runs Trust Payments as its payment gateway partner. Trustpilot sits at 4.4/5 from 297 reviews — among the higher ratings in the segment. Two flags worth knowing: 180-day cancellation notice on the merchant contract, and a Glassdoor employer rating of 3.2/5 with documented US-side layoffs. Best fit for UK/EU mid-market operators who want a directly licensed UK acquirer and have either SoftSwiss in the stack or a regulated US state expansion in the pipeline.
Quick Info
iGaming Score
Our iGaming Score: 6.7/10
Weighted scoring across six criteria
| Criterion | Weight | Score | Rating |
|---|---|---|---|
| iGaming Fit 15 years' gaming experience. SoftSwiss as named gateway partner. 6 US state gaming vendor licenses. Public clients include Betsson, Wildz, Bet600. Gambling Harm Detection product offered. | 25% | 6.0 | Adequate |
| Geographic Coverage Offices in UK, Malta, US, Asia. 50+ global bank network. Strong in UK/EU and on US regulated gambling. Thin in LATAM and APAC local methods. | 20% | 8.0 | Strong |
| Security & Compliance FCA API Ref 932557. MFSA Malta. Visa, Mastercard, Diners and Discover Principal Member — rare 4-scheme status. PCI DSS Level 1, Cyber Essentials. TRU Fraud Check with behavioural authentication. | 20% | 5.5 | Adequate |
| Fees & Pricing Custom — no published rates. Gaming card processing 1.5-3.5%. £50/month risk premium for crypto/forex. 180-day cancellation notice unusually long. | 15% | 6.3 | Adequate |
| Tech & Integration TRU Connect REST API. SDKs in TypeScript, PHP, Java, C#, Ruby, Python (Apache-2.0). iOS/Android mobile SDKs on GitLab. 32 GitHub repos. st.js v3 browser library. | 10% | 6.5 | Adequate |
| User Trust 4.4/5 Trustpilot from 297 reviews — 'Excellent'. Glassdoor employer rating 3.2/5 with US-side layoff history is the offsetting concern. | 10% | 8.8 | Strong |
| Overall | 100% | 6.7 | Adequate |
We score each provider on six criteria using a 1 to 10 scale. iGaming Fit carries the most weight at 25% because that is what matters most for gambling operators. Geographic Coverage gets 20%. Security and Compliance, Fees and Pricing, and Tech and Integration each get 15%. User Trust rounds it out at 10%. The final score is a weighted average of all six.
Score Explanation
Security is the strongest dimension. Trust Payments is one of very few PSPs holding Principal Member status on all four major card schemes (Visa, Mastercard, Diners, Discover) plus the FCA UK Authorised Payment Institution license and MFSA Malta authorisation. For UK-regulated gaming operators that combination means the acquirer counterparty is inside the same UK regulatory perimeter as the operator. iGaming Fit is genuinely strong — a 15-year gaming track record, six US state gaming vendor licenses (publicly named for NJ, PA, MI, CO, NV), SoftSwiss as named gateway partner, and a productized Gambling Harm Detection module that most PSPs don't have. The Tech score is held back by the absence of branded ML routing or AI fraud, but the developer surface (six first-party SDKs under Apache-2.0, mobile SDKs, plugins) is materially better than peers like emerchantpay at the same scale. User Trust is split — Trustpilot 4.4/5 is excellent, but the 3.2 Glassdoor with US layoff mentions and a 180-day cancellation notice in the standard contract is the kind of detail procurement teams should price into the relationship.
Who Is Trust Payments Best For?
Weighted scoring across six criteria
Recommended For
UK and EU gaming operators. UK and EU gaming operators who want their acquiring counterparty inside the FCA perimeter. Trust Payments (UK) Ltd is a directly authorised FCA Payment Institution (Ref 932557), not a reseller of someone else's BIN. For UKGC-licensed operators that means regulator-to-regulator alignment on KYC, AML and reporting standards — which matters when the FCA or UKGC asks for transaction-level evidence. The Malta subsidiary holds parallel MFSA authorisation so MGA-licensed operators have the equivalent regulatory shape on the EU side.
SoftSwiss-powered casinos. Casinos already running on SoftSwiss. SoftSwiss publicly names Trust Payments as its payment gateway partner. That's a pre-wired path — your platform vendor already knows the integration, the failure modes and the support escalation. For operators choosing platform first and PSP second, that pairing removes weeks of integration work compared to wiring a generic gateway. Most other PSPs at this size class have no published platform partnership at all.
US state regulated launches. Operators planning a US state regulated gambling expansion. Trust Payments holds six US state gaming vendor licenses — New Jersey, Pennsylvania, Michigan, Colorado and Nevada are the publicly named jurisdictions. The dedicated US gaming team has supported online casino, poker and sportsbook operators in the US market for seven years. For mid-market operators looking at a Michigan or Pennsylvania launch without going to Nuvei's price point, Trust Payments is one of a handful of credible options.
Mid-market acquirer seekers. Mid-market merchants wanting a 4-scheme Principal Member acquirer. Trust Payments holds Principal Membership on Visa, Mastercard, Diners and Discover. Most mid-market PSPs hold one or two scheme memberships — having all four matters when your AOV mix includes international or premium cards. Discover and Diners are routinely the gap in competitor offerings.
Not Recommended For
Crypto-first operators. Operators where crypto is the headline product. Trust Payments has a published crypto vertical but the actual on-ramp is delivered via BitPay integration — not native rails. There is no published stablecoin settlement, no in-house crypto vault, and no MiCAR CASP license. Crypto-first operators belong on NOWPayments, CoinsPaid or BitPay directly. Trust Payments works as a card-fiat complement, not as a primary crypto processor.
Transparent-pricing teams. Procurement teams that need a published rate card up front. Trust Payments does not publish standard rates. Every deal is custom and the contract includes specific surcharges (£50/month risk premium for crypto/forex, £500-£1,000/month over chargeback thresholds) that only surface in the long-form contract. Operators who cannot negotiate without anchors should run a parallel quote from Solidgate (publishes 0.3-0.8% + acquiring) so the markup is benchmarked.
Short-cycle merchants. Merchants who cannot live with a 180-day cancellation notice. The standard contract is 12 months auto-renewing with a written cancellation notice required at least 180 days before the end of the current term. That is one of the longest notice periods in the segment — most peers run 60-90 days. If your business situation could plausibly change inside six months, the exit cost is real.
LATAM and APAC-heavy ops. Operators with significant LATAM or APAC traffic depending on local methods. Trust Payments covers SEPA, iDEAL, Bancontact, EPS, Multibanco, MyBank, Pay by Bank, Przelewy24, Trustly, paysafecard, Alipay — strong European stack. LATAM (PIX, Boleto, OXXO, SPEI) and APAC local methods (UPI, GrabPay, GCash) are not depth-supported. AstroPay, PayRetailers and dLocal go materially deeper in LATAM. Solidgate is stronger in APAC.
Geographic Coverage
Supported regions and market focus
Regions
Coverage Analysis
Offices in UK (London, Bangor, Harrogate), Malta, US, Asia — 9 global offices total. Acquiring connects to 50+ global banks. The UK and EU footprint is the strongest — direct card acquiring, full local-method coverage, FCA and MFSA regulation. US is a deliberate second pillar: 6 state gaming vendor licenses (NJ, PA, MI, CO, NV publicly named) plus US money transmission licensing, and a US gaming team that has worked with online casino, poker and sportsbook operators for seven years. Asia presence exists through the office network but local-method depth is lighter than Solidgate or Asian-native PSPs. LATAM is the genuine gap — no published PIX, Boleto, OXXO or SPEI local acquiring. Operators with significant LATAM volume need to pair with AstroPay or PayRetailers.
Regional Breakdown
Geographic concentration matters more than headline country count. Trust Payments' strongest acquiring is UK and EU through the FCA and MFSA licenses respectively. Direct card acquiring across UK, Germany, Netherlands, France, Italy, Spain, Nordics. Local methods that European players actually use are covered with depth: SEPA Direct Debit, iDEAL, Bancontact, SOFORT-equivalent, Trustly, Multibanco, Przelewy24. The US story is regulated gambling first, eCommerce second — six state gaming licenses and the US money transmission licensing matter for operators going through state regulators. For an MGA or UKGC-licensed operator with a Michigan or New Jersey expansion in the pipeline, Trust Payments is one of the few PSPs that has done that path repeatedly. The thinness is everything outside UK/EU/US-regulated-gambling: Asia local methods, LATAM, Middle East and Africa local acquiring are partner-routed at best.
Key Features for iGaming Operators
Products, payment methods, and verticals
Key Products
Acquiring, TRU Connect gateway, TRU Fraud Check, Visa Direct payouts, Pay by Link, POS
TRU Connect is the core gateway — 160+ payment methods through a single integration. In-house acquiring runs on Visa, Mastercard, Diners and Discover Principal Membership. TRU Fraud Check bundles behavioural authentication, device fingerprinting and rule-based scoring as standard with merchant accounts. Visa Direct Real-Time Payouts and Mastercard MoneySend/Gaming Payments deliver mass payouts to player cards in under 30 minutes. Gambling Harm Detection is a separate gaming-specific module for responsible-gaming signals. Pay by Link covers ad-hoc invoicing. Hosted Payment Pages provide a no-code checkout option with merchant branding. POS hardware is part of the catalogue for omnichannel operators. The whole stack sits under one merchant contract with the FCA-regulated UK entity or the MFSA-regulated Malta entity depending on the operator's licensing geography.
Payment Methods
TRU Connect supports 160+ payment methods covering the major card schemes (Visa, Mastercard, Amex, JCB, Diners, Discover, Visa Debit/Electron, Maestro), digital wallets (Apple Pay, Google Pay, PayPal, Alipay), and 24+ local methods including Bancontact, EPS, iDEAL, Multibanco, MyBank, Pay by Bank, paysafecard, PayU, Przelewy24, Satispay, SEPA, and Trustly. BitPay integration delivers the crypto option. The European local-method stack is dense — operators selling into Netherlands, Belgium, Italy, Portugal, Poland get coverage that matters. The 160+ method headline overstates what most operators will actually enable: in practice you provision cards plus 6-10 regional methods, and the strength is in how many of those are domestic-acquired versus routed. Trust Payments' direct acquiring covers UK and EU; US is partner-acquired through the bank network.
Verticals
iGaming is one of the headline verticals alongside crypto, forex, financial services, eCommerce, travel and hospitality. The gaming team has 15 years' vertical experience and is publicly profiled in industry press (Gambling Insider). Six US state gaming vendor licenses, dedicated gaming-trained underwriting, Gambling Harm Detection product, SoftSwiss as named gateway partner — the depth is real, not marketing. The trade-off is that gaming sits alongside a broader merchant book including high-volume retail and travel, so account-manager bandwidth is shared across verticals rather than gaming-only the way Solidgate or pure iGaming PSPs run.
| Feature | Status | Details |
|---|---|---|
| Deposit Processing | 160+ payment methods through TRU Connect — major cards, Apple Pay, Google Pay, PayPal, Alipay, and 24+ local methods (iDEAL, Bancontact, EPS, Multibanco, MyBank, Pay by Bank, paysafecard, PayU, Przelewy24, SEPA, Satispay, Trustly). payment methods, Instant | |
| Withdrawal / Payout | Real-time (Visa Direct) to T+1 | |
| Instant Withdrawals | Real-time (Visa Direct) to T+1 | |
| KYC / AML Built-in | Semi-auto | |
| Chargeback Protection | Merchant | |
| Multi-Currency | 160+ processing currencies, 14 settlement currencies (24 for gaming) | |
| API Integration | REST API + SDKs + Hosted Pages | |
| Local Payment Methods | 160+ payment methods through TRU Connect — major cards, Apple Pay, Google Pay, PayPal, Alipay, and 24+ local methods (iDEAL, Bancontact, EPS, Multibanco, MyBank, Pay by Bank, paysafecard, PayU, Przelewy24, SEPA, Satispay, Trustly). methods across multiple categories | |
| iGaming Specialization | FCA API license, Visa/MC/Diners/Discover Principal Member, 6 US state gaming licenses, TRU Fraud Check, Visa Direct real-time payouts | |
| Geographic Coverage | 100 countries across Europe, North America, Asia-Pacific |
Pre-Built iGaming Integrations
Pricing & Fee Structure
Fee structure and pricing model
Pricing & Fee Structure
Hybrid % + fixed pricing model
Custom (no published rates)
Custom
T+1
160+ payment methods through TRU Connect — major cards, Apple Pay, Google Pay, PayPal, Alipay, and 24+ local methods (iDEAL, Bancontact, EPS, Multibanco, MyBank, Pay by Bank, paysafecard, PayU, Przelewy24, SEPA, Satispay, Trustly).
5-10% for 6 months (high-risk, custom)
1-2%
Custom
Custom
No
Pricing Details
Custom pricing — no published rate card. Bespoke quotes are built on turnover, average transaction value, sales channel and sector. For gaming and other high-risk verticals, card processing typically lands 1.5-3.5% all-in with 5-10% rolling reserve held for 6 months and FX markup of 1-2%. Documented contract specifics that surface in the long-form: £50/month 'risk premium' fee for sectors such as Forex or Crypto, £500-£1,000/month additional fees for merchants exceeding chargeback or fraud thresholds, monthly minimums and authorisation/PCI fees on top of card rates. The big procurement item: the standard contract is 12 months with auto-renewal and requires 180 days written cancellation notice before the end of the current term. Most peers run 60-90 day notice. On $500k/month gaming volume, expect $9,000-$17,000/month in total fees before reserve capital impact. Solidgate publishes 0.3-0.8% + acquiring as a benchmark. Nuvei runs 1.5-3.5% with comparable reserve. emerchantpay sits in similar territory but without the four-scheme principal advantage. May 2026.
Negotiation Tips
Treat the contract as the negotiable line, not just the rates. Push the 180-day cancellation notice down to 90 days or get a defined off-ramp written in — that's the unusual term in the agreement and it's negotiable for credible volume. Push for itemized fees: ask for the authorisation fee, PCI fee, monthly minimum, risk premium and chargeback threshold all written into a fee schedule, not buried in the master agreement. Rolling reserve is negotiable: 5% with a 90-day hold is achievable for operators with clean chargeback history. Get the chargeback ratio threshold defined in writing — high-risk PSPs reserve the right to raise reserves if ratios drift, and you want defined trigger levels. Run Solidgate (published rates) and Nuvei (broader capability) quotes in parallel. Ask the gaming team directly about the US state licensing scope if a US expansion is in your pipeline — the six-license figure is a headline number, the underlying state-by-state operating model matters more.
Speed & Settlement
Transaction processing and settlement timelines
Instant
Player-initiatedReal-time (Visa Direct) to T+1
Operator payoutT+1
To operator account14 settlement currencies (24 for gaming)
Settlement optionsDeposits are instant on cards and supported APMs. Withdrawals run real-time through Visa Direct (typically under 30 minutes, settlestatus immediately set to 100) and through the Mastercard Gaming and Gambling Payments Program (similar real-time movement but batch-confirmed daily). Standard non-Visa-Direct payouts settle T+1 via daily batch. Acquiring settlement to the operator account runs T+1 by default — competitive against Nuvei (T+2-T+7) and Worldpay (T+2-T+7), in line with Checkout.com and Solidgate. Settlement currencies: 14 standard, 24 for gaming operators specifically. Refunds run 5-10 business days, which is slower than the market — AstroPay does 1-3 days, Brite and Trustly are near-instant. The refund timing is the friction point for operators running frequent promo bonuses. The Visa Direct real-time payout flow is one of Trust Payments' clearest wins versus emerchantpay and similar UK/EU peers — operators can credit player cards almost instantly without a batch-end wait. Updated Q1 2026.
Integration & Tech
Developer experience and technical capabilities
API Type
REST API + SDKs + Hosted Pages
Onboarding
3 days to 4 weeks
Sandbox
Full sandbox with documented test cards. Reachable through Webservices API and Hosted Payment Pages.
Mobile SDK
iOS and Android SDKs published — distributed via GitLab (Carthage for iOS, requires Carthage 0.38+). React Native is community-wrapped, not first-party.
White-Label
Hosted Payment Pages with full merchant branding. Adobe Commerce, WooCommerce and bespoke shopping-cart integration available.
Docs Quality
Good
1-3 weeks
Pre-Built iGaming Integrations
Integration Assessment
TRU Connect Webservices API (REST, JSON over HTTPS) is the primary path. First-party SDKs published as Apache-2.0 on github.com/TrustPayments: TypeScript ('trustpayments' on npm, v3.2.1), PHP, Java (Maven 'com.trustpayments:trustpayments-java-sdk'), C#, Ruby, Python. Mobile SDKs for iOS and Android distributed via GitLab (Carthage 0.38+ for iOS, xcframeworks for dependencies). Browser-side st.js v3 is the supported library — v2 deprecated October 2024 so migration is now mandatory. Hosted Payment Pages cover the low-effort integration path with full brand customisation. E-commerce plugins for WooCommerce, Adobe Commerce, Magento 2. Pay by Link for non-developer flows. Documentation at help.trustpayments.com is rated 'Good' — clear, organised, with sandbox and test-card coverage; less polished than Stripe or Adyen but on par with most enterprise PSPs. Integration takes 1-3 weeks on direct API, days through Hosted Payment Pages.
Risk & Compliance
Licensing, fraud prevention, and regulatory compliance
Compliance Context
FCA Authorised Payment Institution registration (Trust Payments (UK) Ltd, Ref 932557) and MFSA authorisation (Trust Payments (Malta) Ltd) are the structural anchors. Principal Member status on Visa, Mastercard, Diners and Discover is rare — most PSPs hold one or two of those, not all four. PCI DSS Level 1, EU PCI Compliance Certificate, Cyber Essentials. TRU Fraud Check runs continuous behavioural authentication — device fingerprinting, malware and bot signals, velocity rules — and is bundled with merchant accounts rather than sold as an upsell. 3DS2 with browser-flow support, Visa Allocation and Visa Collaboration dispute flows. The gap relative to leaders is in named ML branding: Nuvei (Azure AI partnership Dec 2025) and Solidgate publish their fraud-ML stories, Trust Payments does not. The Gambling Harm Detection product is unusual — it's productized rather than left to the operator's responsible-gaming team to assemble.
About Trust Payments: Company Background
Company and product information
Company History
Founded in 1997 as Secure Trading by a team focused on early-internet card processing in the UK. Through the 2000s and 2010s the business grew under the Secure Trading brand into a mid-market acquirer with a particular niche in high-risk and gaming. PCI DSS Level 1 certification, Visa and Mastercard Principal Memberships and the FCA payment-institution authorisation were achieved across this period, moving the company from gateway-only to true acquirer-PSP status.
In 2020 the group rebranded as Trust Payments to consolidate Secure Trading and adjacent group brands under a single name. The same year the Malta subsidiary, Trust Payments (Malta) Ltd, came online with MFSA authorisation — extending the regulated footprint inside the EU after Brexit. The Diners and Discover Principal Memberships were the rarer additions, taking the group to all-four-scheme principal status.
Recent years have brought both expansion and turbulence. Headcount grew toward 500-555 across 9 global offices including a US expansion that picked up six state gaming vendor licenses (NJ, PA, MI, CO, NV publicly named). Industry coverage in Gambling Insider's 2024-2025 'Meet The Team' feature profiled the gaming team. The offsetting story shows on Glassdoor: a 3.2/5 employer rating from 169 reviews with documented US-side layoffs as US product sales declined, plus a 12-month 11% drop in compensation ratings. Vespa Capital is the disclosed sponsor on the equity side.
What Users Say: Trustpilot & Review Analysis
Our analysis of 297 reviews from Trustpilot and industry sources
Review Analysis
4.4/5 from 297 Trustpilot reviews — rated 'Excellent'. That sits at the higher end of the PSP segment: Worldpay 4.3/5, AstroPay 4.3/5, emerchantpay 4.2/5, Nuvei 3.8/5, Paysafe 1.2/5. The positive themes cluster on dedicated account managers (Theo Kenward, Ines Iacono, Intan Sari named in individual reviews), responsive customer service, fast onboarding (3-day onboarding marketing claim broadly holds in reviews), and switching experience. The negative themes are specific and recurring: information-request overload during KYB ('duplication for security's sake'), post-sign-up support gaps where responsiveness drops once onboarding completes, occasional admin issues such as an extra £20/month surcharge when sales fall to zero, and a small cluster of reviews labeling rates 'amongst the highest'. Card Payment Options found roughly 9 negative reviews using strong language but no active class-action lawsuits or FTC complaints.
Context for Operators
B2B PSP Trustpilot ratings are less representative than consumer-wallet ratings because the buyer population is small and the people reviewing are typically very happy long-term clients or very unhappy churned ones. The 297-review sample is healthier than emerchantpay's 136 but still small versus Worldpay's 10k+. The more material data point is the Glassdoor employer story: 3.2/5 from 169 reviews — below the Financial Services industry average of 3.7. Compensation ratings dropped 11% over the last 12 months. 47% positive business outlook (low). Specific negatives include US-side layoffs as US product sales declined, leadership described as 'aloof or overbearing', and high turnover. That combination — strong external customer rating, weak internal employer rating — is a known signal: the customer-facing functions are working hard, the underlying organisation has stress. Operators in long-term commercial relationships should price that in.
Notable Clients
SoftSwiss, Betsson, Wildz, Bet600
SoftSwiss is publicly named as a gateway partner — that's a B2B partnership covering downstream SoftSwiss-platform casinos rather than a direct end-operator relationship. Public end-operator references include Betsson, Wildz and Bet600 (logos displayed on the gaming product page). Trust Payments' own marketing references 13,000-20,000 businesses across the merchant book (figures vary by source year). Specific gambling operator names beyond Betsson/Wildz/Bet600 are not publicly disclosed — standard for a high-risk PSP. Operators evaluating Trust Payments should request named gaming references through the commercial team. For US state-regulated gambling specifically, the public client list is thinner than Nuvei's (DraftKings, FanDuel, BetMGM) — the comparable evidence is the holding of six US state gaming licenses rather than a named operator roster.
Operational Details
Business terms, contracts, and support
Rebranded from Secure Trading in 2020. Owned by Vespa Capital. £2.6bn+ annualised volume across 13,000-20,000 businesses (numbers vary by source year). Layoff history on the US side documented in Glassdoor reviews — operational headcount risk worth knowing.
Frequently Asked Questions
10 questions about Trust Payments
Structurally yes. FCA Authorised Payment Institution registration (UK, Ref 932557), MFSA authorisation in Malta, PCI DSS Level 1, Principal Member status on all four major card schemes (Visa, Mastercard, Diners, Discover), and six US state gaming vendor licenses are the credentials. The company has been operating in payments since 1997 (originally as Secure Trading) and in gaming specifically for 15 years. Trustpilot 4.4/5 from 297 reviews. The items operators should weigh: a Glassdoor employer rating of 3.2/5 with documented US-side layoff history, and a 180-day cancellation notice in the standard contract. Neither makes the company unsafe, but both belong on a due-diligence checklist.
Custom — no published rate card. Card processing for gaming typically lands 1.5-3.5% all-in with 5-10% rolling reserve held for 6 months and FX markup of 1-2%. Documented contract surcharges: £50/month 'risk premium' for crypto/forex sectors, £500-£1,000/month additional fees for merchants exceeding chargeback or fraud thresholds. On $500k/month gaming volume, budget $9,000-$17,000/month before reserve impact. Solidgate publishes 0.3-0.8% + acquiring as a benchmark. Nuvei sits in similar 1.5-3.5% territory. The procurement detail to negotiate is the 180-day cancellation notice in the standard contract — push for 90.
Both are UK-based mid-market PSP-acquirers with FCA authorisation and similar size (~500 employees each). Trust Payments wins on scheme depth — Principal Member on Visa, Mastercard, Diners and Discover versus emerchantpay's Visa and Mastercard. Trust Payments holds six US state gaming licenses; emerchantpay does not. Trust Payments has SoftSwiss as a named gateway partner; emerchantpay has no published iGaming platform connector. Trust Payments offers Visa Direct real-time payouts; emerchantpay payouts are real-time to T+1. emerchantpay's edge: IC++ pricing transparency option, longer track record on European gaming volume. Choose Trust Payments for US state regulated expansion and SoftSwiss; choose emerchantpay for IC++ pricing and European-only operations.
Nuvei is larger (2,700+ employees vs ~500), has broader method coverage (720+ vs 160+), more local acquiring markets, six pre-built iGaming platform connectors, AI routing, and a public client roster led by DraftKings, FanDuel and BetMGM. Trust Payments wins on UK regulatory shape (FCA API license), four-scheme principal status, contract accessibility for mid-market operators ($300k vs $500k floor), and SoftSwiss partnership. Choose Nuvei for enterprise-scale US state-regulated sportsbooks. Choose Trust Payments for mid-market UK/EU gaming with US state expansion in pipeline. Pricing is comparable (both 1.5-3.5% gaming card).
Yes — SoftSwiss publicly names Trust Payments as its payment gateway partner. For SoftSwiss-powered casino operators that's a pre-wired path: the platform vendor already has the integration, the configuration patterns and the support escalation. Other iGaming platforms (EveryMatrix, Slotegrator, Bragg, BetConstruct) do not have a published Trust Payments connector — operators on those platforms either build the integration themselves or use Trust Payments through the platform's generic custom-PSP route. SoftSwiss is the named differentiator.
Six US state gaming vendor licenses. The publicly named states are New Jersey, Pennsylvania, Michigan, Colorado and Nevada. The dedicated US gaming team has supported online casino, poker and sportsbook operators in the US market for seven years, targeting operators turning over $300k/month upward. US money transmission licensing is separate from the gaming vendor scope. For state-by-state operating coverage details, operators should request the full license schedule through the commercial team before signing — the headline 'six states' is a starting point, not the full operating model.
Indirectly. Trust Payments markets a crypto industry vertical and provides crypto-trained underwriting that can approve merchants in under two weeks. The on-ramp itself is delivered through BitPay integration rather than native crypto rails. There's no published stablecoin settlement, no in-house crypto vault, and no MiCAR CASP license. For operators where crypto is the headline product, NOWPayments, CoinsPaid or BitPay direct are the better choices. Trust Payments works as the card-fiat complement to those crypto-native processors, not as a primary crypto on-ramp.
1-3 weeks on direct TRU Connect API integration. Days through Hosted Payment Pages. First-party SDKs published as Apache-2.0: TypeScript ('trustpayments' on npm), PHP, Java (Maven), C#, Ruby, Python. iOS and Android mobile SDKs distributed via GitLab. Browser library is st.js v3 (v2 deprecated October 2024 — migration mandatory if you're on the old version). E-commerce plugins for WooCommerce, Adobe Commerce, Magento 2. Onboarding (KYB plus compliance review) is marketed at 3 days for credible operators through TRU Connect; real-world reviews note paperwork-heavy KYB with information-request overload, so plan for 1-4 weeks depending on documentation readiness.
The standard Trust Payments merchant agreement is 12 months auto-renewing, and requires 180 days written cancellation notice before the end of the current term. If you miss the notice window, the contract auto-renews for another year and you remain liable for monthly and transaction fees. Most peer PSPs run 60-90 day notice periods, so 180 days is one of the longest in the segment. It's negotiable — push for 90 days with a defined off-ramp, especially if you have alternative quotes. This is one of the items procurement teams routinely miss until they try to leave.
Glassdoor employee reviews reference layoffs at Trust Payments as US product sales declined, with several reviews mentioning the worry of 'being next on the list'. The overall Glassdoor employer rating is 3.2/5 from 169 reviews — below the Financial Services industry average of 3.7. Compensation ratings dropped 11% in the last 12 months. Business outlook 47% positive (low). It hasn't blocked Trust Payments from winning regulated US gaming business — the six state gaming licenses still operate — but it's a real-world operational data point. Operators planning a long-term US-side commercial relationship should ask about US team continuity and account-manager retention during commercial onboarding.
Our Verdict: Should You Use Trust Payments?
Final assessment for iGaming operators
Overall iGaming Score
Summary
A credible UK-headquartered PSP-acquirer with structural advantages most peers at this scale don't have: FCA Authorised Payment Institution authorisation, MFSA Malta authorisation, Principal Member status on all four major card schemes (Visa, Mastercard, Diners, Discover), six US state gaming vendor licenses, SoftSwiss as named gateway partner, and a productized Gambling Harm Detection module. The trade-offs are equally specific: a 180-day cancellation notice in the standard contract, no published rate card, indirect crypto support via BitPay rather than native rails, thin LATAM/APAC local-method coverage, and a Glassdoor employer rating of 3.2/5 with documented US-side layoffs. Best fit for UK and EU mid-market gaming operators processing $300k-$2M/month who value licensing depth and US-state-regulated capability over crypto-native rails or transparent pricing.
Strongest Point
Four-scheme Principal Member status plus the FCA Authorised Payment Institution license plus six US state gaming vendor licenses. Most PSPs at this size class hold one or two scheme memberships and operate under a single regulator. Trust Payments holds Principal Membership on Visa, Mastercard, Diners and Discover, holds the FCA UK API authorisation, holds the MFSA Malta authorisation, and holds six US state gaming licenses (publicly named: NJ, PA, MI, CO, NV). For an operator running UK regulated, EU regulated and US regulated gambling under one PSP relationship, that combined regulatory footprint is genuinely rare and saves real complexity in compliance reporting.
Key Limitation
The standard contract carries a 180-day cancellation notice — among the longest in the segment — and the public pricing is opaque enough that procurement teams without parallel quotes from Solidgate or Nuvei routinely overpay. The Glassdoor employer rating of 3.2/5 with US-side layoff history is the operational concern: customer-facing functions still perform (Trustpilot 4.4/5) but the underlying organisation is showing stress. Crypto is BitPay-routed rather than native, and LATAM/APAC local-method depth trails AstroPay, dLocal and Solidgate. None of these are deal-breakers, but they all belong on the due-diligence checklist.
Recommendation
Choose Trust Payments if you're a UK or EU mid-market gaming operator processing $300k-$2M/month, value regulated standing in multiple jurisdictions, and have either SoftSwiss in the platform stack or a US state regulated expansion in the pipeline. Push for a 90-day cancellation notice and itemized fees in the long-form contract before signing. Avoid Trust Payments if you're a crypto-first operator (use NOWPayments or CoinsPaid), need transparent published pricing (use Solidgate), operate primarily in LATAM (use AstroPay or PayRetailers), or cannot live with the 180-day notice. For US state regulated gambling at enterprise scale ($500k+/month), Nuvei is the bigger option. May 2026.
Pros
- FCA Authorised Payment Institution authorisation (Ref 932557) and MFSA Malta authorisation. Trust Payments (UK) Ltd and Trust Payments (Malta) Ltd are directly authorised payment institutions, not resellers of someone else's BIN. For UKGC and MGA-licensed operators that means dealing with a regulated counterparty inside the same regulatory perimeter — relevant when audits and reporting need to align.
- Principal Member on all four major card schemes: Visa, Mastercard, Diners and Discover. Most mid-market PSPs hold one or two scheme memberships. Holding all four matters when international or premium-card volume is in the mix — Discover and Diners are routinely the gaps in competitor offerings.
- Six US state gaming vendor licenses with NJ, PA, MI, CO, NV publicly named. The dedicated US gaming team has supported online casino, poker and sportsbook operators for seven years. For mid-market operators looking at US state regulated expansion without going to Nuvei's price point, Trust Payments is one of a handful of credible options.
- SoftSwiss as named gateway partner. SoftSwiss publicly runs Trust Payments as its payment gateway partner — pre-wired path for SoftSwiss-platform casino operators. Removes weeks of integration work compared to wiring a generic gateway through SoftSwiss's custom-PSP route.
- Visa Direct real-time payouts plus Mastercard Gaming and Gambling Payments Program. Player-card credits move in under 30 minutes via Visa Direct (settlestatus immediately set to 100). Standard T+1 settlement for the operator account is competitive against Nuvei and Worldpay (both T+2-T+7).
- Trustpilot 4.4/5 from 297 reviews — 'Excellent'. Among the higher ratings in the PSP segment, above emerchantpay (4.2/5), Nuvei (3.8/5) and Paysafe (1.2/5). Positive themes cluster on named account managers, fast onboarding and responsive customer service. Negative themes are paperwork volume during KYB and occasional post-sign-up support gaps.
Cons
- 180-day cancellation notice in the standard merchant agreement. The contract is 12 months auto-renewing and requires written notice 180 days before the end of the current term — among the longest in the segment. Most peers run 60-90 day notice. If your business situation could plausibly change inside six months, the exit cost is real. Negotiable down to 90 days for credible volume.
- No published rate card. Every deal is custom and the long-form contract includes specific surcharges that only surface in the agreement: £50/month risk premium for crypto/forex sectors, £500-£1,000/month additional fees over chargeback/fraud thresholds, monthly minimums and authorisation/PCI fees. Procurement teams without parallel quotes from Solidgate or Nuvei routinely overpay on initial contracts.
- Glassdoor employer rating 3.2/5 from 169 reviews — below the Financial Services industry average (3.7). Compensation ratings dropped 11% in the last 12 months. US-side layoff history mentioned across multiple reviews as US product sales declined. 47% positive business outlook (low). Customer-facing functions still perform well, but the underlying organisation is showing operational stress.
- Crypto is BitPay-routed rather than native. Trust Payments has a crypto vertical and crypto-trained underwriting, but the on-ramp itself is delivered via BitPay integration. No in-house stablecoin settlement, no native crypto vault, no MiCAR CASP license. Crypto-first operators belong on NOWPayments, CoinsPaid or BitPay directly.
- LATAM and APAC local-method depth is thin. Strong European local stack (SEPA, iDEAL, Bancontact, Multibanco, MyBank, Pay by Bank, Przelewy24, Trustly), but PIX, Boleto, OXXO, SPEI, UPI, GrabPay, GCash are not depth-supported. AstroPay, PayRetailers and dLocal go materially deeper in LATAM. Solidgate is stronger in APAC.
- Public end-operator client list is thin for gaming specifically. Betsson, Wildz and Bet600 are the publicly named gaming brands. SoftSwiss is the platform partnership, not a direct end-operator. Compared to Nuvei (DraftKings, FanDuel, BetMGM publicly disclosed) or Paysafe (888, PokerStars) external benchmarking is harder. Operators should request named references through the commercial team before signing.
Ready to evaluate Trust Payments for your business?
Trust Payments vs. Alternatives: How It Compares
Similar payment processing solutions
emerchantpay is the closest UK peer — also FCA-authorised and Visa/Mastercard Principal Member, with IC++ pricing transparency but without the four-scheme principal status and US state gaming licenses. Nuvei is the upmarket choice for US state regulated enterprise sportsbooks with $500k+/month volume. Solidgate is the price-transparency option with published rates from 0.3-0.8% + acquiring. Worldpay is the enterprise card-acquiring scale option for European card-first operators. AstroPay handles LATAM materially better with faster settlement and lower reserve holds for Latin America-focused operators. NOWPayments is the crypto-first pairing if crypto is a real growth lever rather than a secondary method.
When to Choose an Alternative
emerchantpayChoose emerchantpay if you want a UK peer with IC++ pricing transparency. Also FCA-authorised, also Visa and Mastercard Principal Member, similar size (~358 vs ~500 employees), but without Diners/Discover principal status, without US state gaming licenses and without the SoftSwiss partnership. Wins on IC++ pricing option and shorter cancellation notice.
NuveiChoose Nuvei if you need enterprise scale and have $500k+/month. 720+ methods (vs 160+), six pre-built iGaming platform connectors (Trust Payments has one — SoftSwiss), broader US state gambling licensing, AI routing, and a public roster led by DraftKings, FanDuel and BetMGM. Trade-off: higher minimum volume and slower settlement (T+2-T+7 vs T+1).
SolidgateChoose Solidgate if pricing transparency matters. Published rates from 0.3-0.8% + acquiring, $200k minimum, 6-month contract (vs 12-month with 180-day notice), built-in orchestration, strong APAC and LATAM coverage. Lacks Trust Payments' four-scheme principal status and US state gaming licenses but wins decisively on pricing clarity and contract length.
WorldpayChoose Worldpay if you're a high-volume European card-first operator. Trustpilot 4.3/5 from ~10k reviews, deeper UKGC compliance infrastructure, Global Payments ownership backing, broader scheme network. Trade-off: heavier reserves (8-15% for 6 months), slower settlement, larger minimum volume.
AstroPayChoose AstroPay if LATAM is your primary market. 50+ LATAM local methods (PIX, Boleto, OXXO, SPEI, local cards), faster settlement (T+1-T+2), shorter 3-month reserve hold, $100k minimum, player-side brand recognition Trust Payments doesn't have in Latin America.
NOWPayments
CoinsPaid
Trustly
AstroPay
emerchantpay
Full-Stack PSP
Worldpay
Card Acquiring PSP
Checkout.com
Full-Stack PSP
Nuvei
Full-Stack PSPEnd of Report. Trust Payments Provider Assessment Report 2026
Prepared and reviewed by the iGaming Payment Solutions Editorial Team · May 13, 2026