Trust Payments Review

Regional Breakdown

In the UK, Trust Payments acquires Visa and Mastercard debit directly under the FCA authorization of TrustUk Payments Ltd and adds Pay by Bank open banking, so a UKGC operator takes debit cards and open banking deposits on one acquirer.

EU acquiring runs on the Malta entity's passport. Dutch players deposit with iDEAL while Trustly carries fast withdrawals, Belgian players use Bancontact, Austrian players EPS, and German players Trustly and Sofort. Denmark gets Trustly only, so a Danish operator adds a second provider for MobilePay and Dankort.

In Portugal, Multibanco takes deposits only and MB WAY carries withdrawals, so an operator there runs both. Italian players pay through MyBank and Satispay, and PostePay cards go over the card acquiring.

In Poland, Przelewy24, with BLIK running through it, serves sportsbooks only, which leaves a Polish casino product without local rails.

In the US, card acquiring runs through partner banks instead of Trust Payments' own acquiring.

In Asia-Pacific, UPI, GrabPay and GCash reach Trust Payments only through partner routing, so an Indian or Philippine book takes its main deposit methods on a partner's rails.

Trust Payments acquires nothing locally in Latin America, the Middle East or Africa, and it reaches Middle East and Africa payments only through partner routing.

Verticals

Gambling is one of eight verticals, and Trust Payments has served gambling operators for 15 years. A dedicated iGaming team with gaming-trained underwriting handles gaming merchants, who share the merchant book with high-volume retail and travel merchants. The team works with EU-incorporated operators that hold their own gambling license and serves them with pay-ins and payouts across cards, local methods, bank transfers, e-wallets, cash and vouchers. Crypto merchants go through a crypto-trained underwriting team that approves them in under 2 weeks.

• iGaming
• eCommerce
• Travel
• Hospitality
• Retail
• Crypto
• Forex
• Financial Services

Visa Direct lands a payout on a player's card in under 30 minutes, and Mastercard payouts through MoneySend and the Gaming and Gambling Payments Program move in real time with a daily batch confirmation. Other payouts, outside Visa Direct and the Mastercard program, settle T+1 in a daily batch. Worldpay pays players out in 24-48h, so a Visa cardholder on Trust Payments is paid before a Worldpay payout reaches its 24-hour mark. Acquiring funds settle to the operator T+1 by default. Nuvei and Worldpay settle T+2 to T+7, so at the slow end of their window an operator's cash arrives 6 business days later than it does with Trust Payments. Refunds take 5-10 business days, against 3-5 at Nuvei, which drags out every deposit reversal an operator makes around a promotion.

Integration Assessment

TRU Connect's Webservices API, a REST API with JSON over HTTPS, is the main path. First-party server SDKs under Apache-2.0 cover TypeScript, PHP, Java, C#, Ruby and Python, and native iOS and Android SDKs ship through GitLab. The browser library is st.js v3, and v2 was deprecated in October 2024, so a merchant still on v2 has to migrate. Hosted Payment Pages give a branded checkout with no code, plugins cover WooCommerce, Adobe Commerce and Magento 2, and Pay by Link handles invoicing without developer work. A direct API build takes 1-3 weeks, while Hosted Payment Pages go live in days. SoftSwiss is the one casino platform with a pre-built Trust Payments connector, and operators on any other platform connect through the platform's custom PSP route or their own build. Transactions route across Trust Payments' own acquiring and its partner banks. Onboarding takes 3-28 days, with established gaming operators on a clean chargeback history clearing before the 28-day mark, and merchant KYB is a manual compliance review with heavy, repeated document requests. Worldpay onboards gaming merchants in 4-6 weeks and emerchantpay in 2-6 weeks, so Trust Payments' slowest case matches Worldpay's fastest.

Compliance Context

TRU Fraud Check comes with every merchant account and scores each transaction on continuous behavioral authentication, device fingerprinting, malware and bot detection, velocity rules and rule-based scoring. The merchant carries chargeback liability, and KYC is semi-automated, with player-side checks through 3DS2 and risk rules and merchant KYB as a manual compliance review. Trust Payments holds PCI DSS Level 1, an EU PCI Compliance Certificate and Cyber Essentials. Gambling Harm Detection, a separate gaming product, feeds player-harm signals into the operator's risk decisions.

Regulatory Position

Trust Payments, a UC Group subsidiary, holds two payment licenses in its own name. TrustUk Payments Ltd is an FCA Authorised Payment Institution under the Payment Services Regulations 2017. Trust Payments (Malta) Ltd has held an MFSA payment institution authorization with EU-passported acquiring since June 21, 2012, with no enforcement action against it, and that entity kept the group inside a regulated EU footprint after Brexit. Trust Payments is also a Principal Member of Visa and Mastercard, so it acquires on its own scheme membership instead of a BIN sponsored by another acquirer. It holds no gambling license, so every operator it serves needs its own UKGC, MGA, AGCO Ontario or US state license, and it boards only incorporated operators that hold one. In the US, Trust Payments is registered as a vendor with New Jersey's Division of Gaming Enforcement under its former name, SecureTrading Ltd, and SecureTrading Inc. surrendered its Colorado vendor license, which was due to expire on December 17, 2024.

Review Analysis

Merchants praise dedicated account managers, responsive customer service, onboarding at the 3-day end of the range and a smooth switch from their previous PSP. Complaints center on repeated document requests during KYB, weaker support once onboarding ends and surprise monthly admin fees such as an extra £20 for a month with no sales.

Context for Operators

For an operator, the reviews point to a fast start with a named account manager, while the friction sits in KYB paperwork and fee administration, which a complete KYB file and an itemized fee schedule settle before signing.

iGaming Clients

Betsson, Wildz, Bet600, Who Knows Wins, BetGoodwin, Les Ambassadeurs Casino, WINBET, Viva Games

The gaming roster runs from online sportsbooks to a land-based casino. BetGoodwin renewed for 8 years in July 2026, and Les Ambassadeurs Casino in Mayfair went live on the point-of-sale estate the same month. Bet600 launched its online sportsbook on Trust Payments' gateway and acquiring in 2018, and Who Knows Wins went live in 2019. Betsson, Wildz, WINBET and Viva Games are also gaming clients, and all of them sit inside a merchant book of 13,000 to 20,000 businesses.