iGaming Payment Solutions
Zimpler ReviewIs It the Right Payment Solution for Your iGaming Business?
Adequate
Zimpler is the Pay-by-Bank challenger every Nordic casino weighs against Trustly. Founded in Stockholm in 2012 by Johan Friis and Kristofer Ekman Sinclair, the company connects to ~350 million bank accounts across 25 markets and processes around €2.6 billion a year. Zimpler GO is its Pay N Play product — instant deposits, integrated KYC, instant payouts, no chargebacks. Strongest in Sweden and Finland, growing in Germany, Netherlands and the Baltics, and live in Brazil with Pix as of November 2025. The big 2026 fact: TrueLayer acquired Zimpler in October 2025 and the deal closed on March 3, 2026, creating a 20M+ user pan-European Pay by Bank network. Trustpilot sits at 1.5/5 from 65 reviews — consumer complaints, not operator reviews, the same B2B2C pattern that gives Trustly a 2.9. The honest read: Zimpler is smaller than Trustly (~130 employees vs 880, €2.6B vs $100B+ TPV) but more accessible for mid-market Nordic operators, and the TrueLayer combination removes the scale gap.
Quick Info
iGaming Score
Our iGaming Score: 5.8/10
Weighted scoring across six criteria
| Criterion | Weight | Score | Rating |
|---|---|---|---|
| iGaming Fit Nordic iGaming origin. Zimpler GO Pay N Play. EveryMatrix and Elantil connectors. LeoVegas, Mr Green, Casumo, Betsson on the client list | 25% | 6.0 | Adequate |
| Geographic Coverage 25 markets, ~350M bank accounts. Strongest in Sweden and Finland. Live in Brazil with Pix. Narrower than Trustly's 30+ countries | 20% | 5.5 | Adequate |
| Security & Compliance Swedish FSA PSD2 licensed since 2016. Brazilian Central Bank PI license. Pix participant. No MGA/UKGC held directly | 20% | 5.5 | Adequate |
| Fees & Pricing Custom volume-based pricing. No public rates but benchmarks at 0.5-1.5%. Zero rolling reserves. No interchange | 15% | 8.8 | Strong |
| Tech & Integration REST API with Basic Auth. EveryMatrix and Elantil pre-built connectors. Mobile-first embedded checkout. Good documentation | 10% | 5.0 | Adequate |
| User Trust 1.5/5 Trustpilot from 65 reviews. Consumer-facing complaints, same B2B2C noise pattern as Trustly. Glassdoor 3.8/5 | 10% | 3.0 | Weak |
| Overall | 100% | 5.8 | 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
iGaming Fit is the dimension Zimpler scores highest on — Nordic gambling is where the product was forged. Zimpler GO was built specifically for casino registration flows, EveryMatrix has a native connector, and the Malta office that opened in 2022 exists because iGaming became the strategic focus. The Sweden-licensed-only stance from July 2023 (upheld by the Court of Appeal in February 2025) signals an operator who picks compliance over volume. Fees score well because A2A push payments avoid interchange entirely and Zimpler does not hold rolling reserves; the trade-off is that pricing is custom rather than public, so smaller operators cannot price-compare without a sales call. Geographic Coverage is where Zimpler trails Trustly: 25 markets versus 30+, and the depth in those markets is uneven outside the Nordics. The Brazil Pix launch in November 2025 is a real differentiator — Trustly has no LATAM presence — but Brazil is one market, not a region. Security is solid (Swedish FSA, Brazilian Central Bank, PSD2 SCA) but the company does not hold gambling licenses itself, relying on operator-side licensing. User Trust at 1.5/5 looks alarming until you compare with Trustly's 2.9/5 from 3,187 reviews — Zimpler has fewer reviews and the same B2B2C dynamic. The score that matters most for an operator is the conversion rate Zimpler delivers, not what frustrated players write on Trustpilot when a casino flow breaks.
Who Is Zimpler Best For?
Weighted scoring across six criteria
Recommended For
Nordic-focused operators. Operators whose primary player base sits in Sweden and Finland. This is where Zimpler started, where BankID and bank-led authentication are the cultural default, and where the product has its deepest integration. In Sweden you cannot run a competitive casino without an A2A option, and Zimpler is one of the two names players recognize. The Finland flow benefits from the same bank-authentication culture and Zimpler's relationships with the major Finnish banks are mature.
Pay N Play casinos in Sweden and Finland. Casino operators running or considering Pay N Play in regulated Nordic markets. Zimpler GO collapses registration and first deposit into a single bank authentication, with KYC pulled from the bank during the transfer. The flow is the same idea Trustly pioneered, executed with a different bank-partner network and a slightly more compliance-forward posture after the Swedish injunction saga. For new Nordic brands, having Zimpler GO alongside Trustly gives players a choice and routes around either provider's coverage gaps.
Operators expanding into Brazil with Pix. Operators expanding into Brazil. The June 2025 Payment Institution license from the Brazilian Central Bank plus the November 2025 Pix authorization make Zimpler one of the few A2A providers in our database with native Brazilian rails. Pix is now the dominant payment method in Brazilian iGaming and bypasses card scheme fees entirely. For operators already running Zimpler in Europe, adding Brazil through the same provider is meaningfully simpler than onboarding a LATAM specialist.
Mid-market casinos wanting a Trustly alternative. Mid-market operators who find Trustly's threshold and contract terms too rigid. Trustly's $300k minimum and 12-month lock-in price out smaller brands. Zimpler does not publish minimums or contract length, which means there is room to negotiate. For a Stockholm or Helsinki operator processing $100k-$300k monthly, Zimpler is the open-banking option that actually returns sales calls.
Not Recommended For
Operators outside Europe and Brazil. Operators serving primarily non-European, non-Brazilian markets. Zimpler is live in 25 markets but the depth is concentrated in the Nordics, DACH, Benelux, the Baltics and Brazil. There is no US, Canada, UK, Asia or Africa coverage today. For LATAM beyond Brazil, AstroPay covers more countries. For UK Pay by Bank, TrueLayer's UK-native rails (now under the same parent) are the option. For US, Trustly has 99%+ bank coverage and major sportsbook clients.
Crypto-first platforms. Crypto casinos or platforms that need cryptocurrency deposits. Zimpler has zero crypto support. Pure A2A fiat. If players want to deposit in stablecoins or Bitcoin, you need CoinsPaid for iGaming crypto, NOWPayments for the broadest coin coverage, or Triple-A for stablecoin-first flows. Zimpler is a complement to a crypto processor, not a substitute.
Operators needing card processing. Operators that need card acquiring as their primary deposit option. Zimpler is open banking only — no Visa, no Mastercard, no Amex. Players without bank A2A familiarity (older demographics outside the Nordics, casual UK players, US users) will need a card path you cannot deliver through Zimpler. Nuvei, Worldpay or Solidgate handle that side.
Operators wanting the largest possible bank network. Global multi-market operators who need a single provider for the broadest possible coverage. Trustly's 6,300+ European banks plus 99%+ US coverage gives a single-vendor footprint Zimpler cannot match. The TrueLayer combination narrows the gap in Europe but not globally. If your players sit in 10+ countries and you want one A2A integration to rule them all, Trustly or a payment orchestrator remains the better answer.
Geographic Coverage
Supported regions and market focus
Regions
Coverage Analysis
25 markets connected to roughly 350 million bank accounts. Pay by Bank deposits live in Sweden, Finland, Germany, Netherlands, Estonia, Latvia and Lithuania. SEPA payouts available to Austria, Denmark, Spain, France, Italy, Malta, Portugal, Norway, Poland and more. Brazil went live in two stages: Payment Institution license from the Brazilian Central Bank in June 2025, then Pix participant authorization in November 2025. No US, UK, Canada, Asia, Africa or Middle East coverage on the Zimpler side as a standalone — though the TrueLayer acquisition (closed March 2026) extends the combined network into the UK and broader Europe. The Nordics are where Zimpler is unambiguously strong: deep bank relationships, BankID and Swish integration, mature flows. Outside the Nordics the picture is patchier. Germany works but consumer awareness is lower. Netherlands works but iDEAL is the dominant local rail. Baltics are growing. Brazil is the genuine wildcard — Pix volume is enormous and Zimpler is one of the few European-born A2A providers with native Pix authorization.
Regional Breakdown
Sweden is the home market and the strongest single country. BankID makes deposits effectively frictionless and Zimpler's relationships with SEB, Handelsbanken, Nordea, Swedbank and Danske are mature. Finland is the second-strongest market and the launch geography for Zimpler GO Pay N Play. Estonia is interesting because the regulated iGaming market there has adopted Pay N Play patterns quickly. Germany has grown since Open Banking adoption increased, but the user base is more conservative about A2A. Netherlands works but competes with iDEAL. Brazil is the strategic prize: Pix processed over R$25 trillion in 2024 and is now the dominant payment rail. Zimpler's authorization lets operators settle Brazilian deposits in EUR while collecting in BRL via Pix — a significant operational advantage over routing through local Brazilian PSPs. For multi-market operators, Zimpler covers the iGaming markets that matter most by transaction volume in Europe (Nordics, DACH, Benelux, Baltics) plus Brazil.
Licensed Jurisdictions
Key Features for iGaming Operators
Products, payment methods, and verticals
Key Products
Zimpler GO (Pay N Play), Deposits, Payouts, SEPA, Pix, Paylink, ID+
Three products that matter for iGaming. Zimpler GO is the Pay N Play flagship — combined registration, KYC and first deposit through a single bank authentication, launched in 2019 and continuously refined. Players select their bank, authenticate (BankID in Sweden, equivalent flows elsewhere), and the casino account is provisioned from verified bank data while the deposit processes. Standard Pay by Bank Deposits handles repeat transactions for registered players. Payouts go back to the same verified bank account, instant where the rails allow, settlement T+1 for the operator. SEPA Payouts launched in 2023 for cross-border euro transfers without additional fees. Paylink (2023) is the invoice-payment product — less relevant for iGaming. ID+ launched July 2025 is the identity layer that handles higher-assurance verification beyond the default Zimpler GO KYC. Zimpler Budget is the responsible-gaming tool: players set monthly deposit limits, decreases are immediate, increases enforce a seven-day cooling-off period. The Pix rails added in November 2025 plug Brazilian A2A flows into the same product set without requiring a separate Brazilian PSP.
Payment Methods
Account-to-Account Pay by Bank as the core method, with country-specific schemes layered on top. In Sweden, that means Pay by Bank with BankID authentication and integration with the Swish payment network. In Finland, Pay by Bank with TUPAS / bank authentication. In Germany and the Netherlands, PSD2 open banking via licensed third-party providers. In Brazil, Pix as a native rail. SEPA Credit Transfer for cross-border payouts to other EU markets. There is no card acceptance, no e-wallet support, no crypto. Apple Pay and Google Pay are not part of the offering — Zimpler routes through bank rails, not card networks, so tokenized card wallets are not a fit. The deliberate single-method posture is the same trade-off Trustly and Brite make: one method done well, with the chargeback and interchange savings that come from bypassing card schemes entirely. Operators running Zimpler alongside a card processor like Nuvei or Worldpay get the best of both — bank-A2A for Nordic and Brazilian players who prefer it, cards for everyone else.
Verticals
iGaming is the strategic focus. The Malta office that opened in 2022 was a deliberate move into the regulated gambling vertical. Zimpler GO was designed around Pay N Play casino registration flows. Zimpler Budget is a responsible-gaming tool aimed squarely at casino operators. The fraud-prevention narrative for 2026 explicitly calls out bonus abuse and AI-powered attacks targeting iGaming. eCommerce is supported but secondary. Fintech and recurring payments are addressed through Paylink (invoice payments) and SEPA payouts. The 2023 termination of business with unlicensed Swedish-facing gambling operators — and the Court of Appeal ruling in February 2025 that upheld the regulator's injunction — signal an operator who treats gambling licensing as a hard line. For licensed operators that is reassuring. For grey-market operators, Zimpler is not a fit.
| Feature | Status | Details |
|---|---|---|
| Deposit Processing | Open Banking (Pay by Bank, BankID, Swish, Pix, SEPA push) payment methods, Instant | |
| Withdrawal / Payout | Instant | |
| Instant Withdrawals | Instant | |
| KYC / AML Built-in | Full auto | |
| Chargeback Protection | Merchant | |
| Multi-Currency | EUR, SEK, DKK, BRL | |
| API Integration | REST API | |
| Local Payment Methods | Open Banking (Pay by Bank, BankID, Swish, Pix, SEPA push) methods across multiple categories | |
| iGaming Specialization | Zimpler GO Pay N Play + Pix in Brazil | |
| Geographic Coverage | 25 countries across Europe, Nordics, Latin America |
Pre-Built iGaming Integrations
Pricing & Fee Structure
Fee structure and pricing model
Pricing & Fee Structure
Custom pricing model
Custom (volume-based)
Custom
T+1
Open Banking (Pay by Bank, BankID, Swish, Pix, SEPA push)
None
Included
0 / none
$0
No
Pricing Details
Volume-based custom pricing, no public rate card. Operators get a quote after a sales conversation. Independent benchmarking and industry reporting puts Zimpler's transaction pricing in the 0.5-1.5% range, in line with Trustly (0-1%) and Brite (0.5-1.5%). No interchange fees because A2A bank transfers bypass the card networks entirely. No rolling reserves — the single biggest cost advantage over card acquirers. No chargebacks. Setup and monthly fees are typically waived for operators meeting volume thresholds. FX markup is bundled into the rate rather than billed separately, and Zimpler handles EUR/SEK/DKK/BRL conversion in-house. For Brazilian Pix deposits, the operator can collect in BRL and settle in EUR through Zimpler, avoiding the need for a separate local-currency settlement structure. Minimum monthly volume is not publicly disclosed and varies by deal — anecdotally, the bar is lower than Trustly's $300k, making Zimpler accessible to mid-market operators. Contract length is not publicly disclosed but tends to be shorter than Trustly's standard 12-month lock-in. The trade-off for not having public pricing: it is harder to compare at the evaluation stage. The trade-off in your favor: pricing is genuinely negotiable. Based on public information current as of May 2026, pre-TrueLayer pricing integration.
Negotiation Tips
Treat the lack of public pricing as a negotiation lever. Trustly publishes typical rates around 1.5% with EUR 0.80 minimum per transaction. Use that as the ceiling when you negotiate Zimpler — they will know you are comparing. Push for tiered volume discounts that activate at $200k, $500k and $1M monthly. Ask explicitly about per-transaction minimum fees, which can add up on smaller tickets. For Brazilian flows, get the Pix-to-EUR FX spread in writing — the in-house conversion is convenient but the spread is where the margin hides. The TrueLayer combination is fresh enough that pricing structures may be in flux through 2026; if you sign during integration, ask about price-protection clauses that prevent unilateral changes once the merged organization rationalizes its rate card. The biggest single cost win versus card acquiring is the zero rolling reserve. On $1M monthly volume, Nuvei or Worldpay hold $50,000-$150,000 of your money for six months. Zimpler holds zero. That is real working capital. Make sure the comparison your CFO sees includes that, not just the headline percentage.
Speed & Settlement
Transaction processing and settlement timelines
Instant
Player-initiatedInstant
Operator payoutT+1
To operator accountEUR, SEK, DKK, BRL
Settlement optionsDeposits complete instantly once the player authenticates at their bank — typically under 10 seconds end to end, matching Trustly and Brite. Withdrawals are pushed back to the same verified bank account instantly where the bank rails support it; SEPA Instant payouts are settled in seconds across supported EU banks, and Pix in Brazil is instant by design. For markets without instant rails, payouts complete same-day. Settlement to the operator account runs T+1. Brite is slightly faster at T+0 to T+1, Trustly is T+1, Zimpler is T+1. Refund processing is effectively instant since A2A push refunds reverse through the same bank rails. The combined Zimpler-TrueLayer organization post-March 2026 inherits TrueLayer's UK Faster Payments connectivity, which extends instant-rail coverage. For an operator coming from card acquiring (Paysafe 24h withdrawals, Worldpay 24-48h, Nuvei real-time-with-caveats), the speed difference is the single most visible improvement to players. Updated May 2026.
Integration & Tech
Developer experience and technical capabilities
API Type
REST API
Onboarding
2-4 weeks
Sandbox
Sandbox available at docs.zimpler.com.
Mobile SDK
Mobile-first SDK and embedded flows.
White-Label
No
Docs Quality
Good
1-2 weeks
Pre-Built iGaming Integrations
Integration Assessment
Single REST API with Basic Authentication using a Username (MID) and API-key password. Documentation lives at docs.zimpler.com — the older v4-api docs at zimpler.github.io are deprecated and redirect. The API covers deposits, payouts, refunds, Pay N Play flows, KYC events and webhooks for transaction status. Mobile-first embedded checkout. Sandbox environment available. EveryMatrix has a native pre-built Zimpler connector — for operators on that platform, activation is a configuration step rather than custom development. Elantil added Zimpler to its iGaming marketplace in July 2025 with a one-click setup. Documentation quality is Good rather than Excellent — clear and current but the SDK ecosystem is thinner than Trustly's, which maintains a 14-repo client/SDK suite across PHP, Java, .NET, JavaScript, iOS, Android and React Native. Zimpler's GitHub has ~69 repos but most are internal tooling (httpsig, status_page); flagship client SDKs are not the same caliber. For most operators that does not matter — the REST API plus EveryMatrix connector covers the common cases. For teams building custom backends from scratch, expect to write more glue code than with Trustly.
Risk & Compliance
Licensing, fraud prevention, and regulatory compliance
Supported Gambling Licenses
Compliance Context
Licensed Payment Institution under PSD2 with the Swedish Financial Supervisory Authority (Finansinspektionen) since 2016. EU/EEA passporting across SEPA markets. Brazilian Central Bank Payment Institution license granted June 4, 2025. Pix participant authorization granted November 3, 2025. The TrueLayer acquisition required Swedish FSA change-of-control approval; that was granted and the transaction closed March 3, 2026. Strong Customer Authentication on every transaction through the player's own bank — bank-grade 2FA, no card data stored or transmitted. Automated KYC during the first Zimpler GO deposit pulls verified identity from the bank. The ID+ identity layer launched July 2025 adds higher-assurance verification for risk-flagged cases. Zimpler does not hold MGA, UKGC, Swedish or German gambling licenses itself — those sit with the operator, and Zimpler relies on operator-side licensing for compliance. The notable legal story is the July 2023 injunction from the Swedish Gambling Authority ordering Zimpler to stop providing BankID-backed payment services to operators without Swedish gambling licenses; the Administrative Court ruled for Zimpler, the regulator appealed, and the Court of Appeal upheld the injunction on February 7, 2025. The practical impact: Zimpler now requires a Swedish license for any Swedish-facing gambling flow. For licensed operators that is no change in workflow; for operators relying on Swedish player traffic without local licensing, Zimpler is closed.
About Zimpler: Company Background
Company and product information
Company History
Started in Stockholm in 2012 by Johan Friis and Kristofer Ekman Sinclair as a mobile-payment company. The original product let consumers pay through their mobile phone number, with charges flowing through bank accounts or cards. Got the Swedish Financial Supervisory Authority Payment Institution license in 2016 and pivoted toward A2A bank payments. Backed early by Inbox Capital with later participation from Klarna and Revolut as institutional investors.
Pivoted to iGaming in 2019-2020. Launched Zimpler GO Pay N Play in 2019, opened the Malta office in 2022 as the first base outside Sweden, signaling iGaming as the strategic vertical. The same year introduced Zimpler Budget for responsible gambling. In 2023, Zimpler unilaterally terminated business with operators serving Swedish players without a Swedish license — a position the Swedish Gambling Authority later formalized through an injunction (July 2023). Zimpler initially won at the Administrative Court level; the Court of Appeal sided with the regulator in February 2025. Also in 2023, launched SEPA payouts and Paylink. Expanded into Brazil through 2022-2025.
Became a certified Payment Institution in Brazil in June 2025 and received Pix participant authorization in November 2025. Launched ID+ identity layer in July 2025. Then the big move: TrueLayer announced the acquisition on October 21, 2025. The deal closed on March 3, 2026 after Swedish FSA change-of-control approval. Combined entity is now Europe's largest Pay by Bank network by user count — 20M+ users, expanded coverage across UK, Sweden, Finland, Brazil and the rest of TrueLayer's European footprint. Zimpler today: ~125-130 employees across Stockholm, Gothenburg, Malta and Brazil. ~350M bank accounts reachable. €2.6 billion processed annually pre-merger. Customer base concentrated in Nordic and Brazilian iGaming with growing presence in DACH and Benelux.
What Users Say: Trustpilot & Review Analysis
Our analysis of 65 reviews from Trustpilot and industry sources
Review Analysis
1.5/5 on Trustpilot from 65 reviews. The pattern matches Trustly's 2.9/5 from 3,187 reviews, just with a smaller sample. One-star reviews cluster around three themes: payments that did not arrive at the casino, identity verification failures (some specifically calling out DanskeBank flows), and accusations that Zimpler facilitated payments to operators the user now regrets paying. Five-star reviews praise speed and convenience when the flow works. Zimpler responds to most negative reviews on the platform, which is more than several competitors do, but responses tend to redirect users to contact the merchant — which is technically correct (the casino owns the player relationship) but reads as deflection to a frustrated user.
Context for Operators
Zimpler is a B2B2C product. The player sees Zimpler's branding during checkout but Zimpler's actual customer is the casino. When a payment fails — for reasons that may originate at the player's bank, at the casino's backend, or at Zimpler — the player blames the brand they saw, which is Zimpler. The Trustpilot rating reflects that dynamic. Operators rate Zimpler very differently. The client list is the strongest evidence: LeoVegas, Mr Green, Casumo and Betsson are not running an A2A provider their B2B experience considers broken. 65 reviews from a platform processing €2.6 billion annually is a tiny fraction of total transactions, and the complaints concentrate around edge cases that any payment provider produces at scale. For operators evaluating Zimpler, the relevant signal is deposit conversion rate and KYC success rate, not consumer star count. Also worth noting: Trustly's 2.9/5 from 3,187 reviews is the same pattern at larger scale, and that has not stopped every major European operator from using it.
Notable Clients
LeoVegas, Mr Green, Casumo, Betsson
Client list skews Nordic and iGaming. LeoVegas, Mr Green, Casumo and Betsson are among the named operator users; the broader list runs through hundreds of Pay N Play and standard Pay by Bank casinos across Sweden, Finland and adjacent markets. EveryMatrix offers Zimpler as a native payment option on its platform, which puts hundreds of operator brands within one configuration step of activation. Elantil's iGaming marketplace added Zimpler in July 2025 as a one-click option. Outside iGaming, Scandinavian Travel Group is a notable consumer-finance partner. The client base is meaningfully smaller than Trustly's roster (Bet365, Flutter, Kindred, Entain at the top tier) — Zimpler is the option for operators that prioritize Nordic depth and pricing flexibility over global reach.
Operational Details
Business terms, contracts, and support
Acquired by TrueLayer announced October 21, 2025; deal closed March 3, 2026. Combined entity is the largest Pay by Bank network in Europe with 20M+ users. Zimpler brand continues for the iGaming/Nordic side.
Frequently Asked Questions
10 questions about Zimpler
Yes. Zimpler is licensed by the Swedish Financial Supervisory Authority (Finansinspektionen) as a Payment Institution under PSD2 since 2016, with EU/EEA passporting across SEPA markets. It is also licensed as a Payment Institution by the Brazilian Central Bank (June 2025) and authorized as a Pix participant (November 2025). Every transaction uses bank-grade Strong Customer Authentication, no card data is stored, and chargebacks are impossible by design. LeoVegas, Mr Green, Casumo and Betsson are named operator users. The 1.5/5 Trustpilot rating reflects end-consumer frustration, not operator experience.
Pricing is custom and volume-based — no public rate card. Industry benchmarking puts transaction pricing in the 0.5-1.5% range, comparable to Trustly (0-1%) and Brite (0.5-1.5%). No interchange fees, no rolling reserves, no chargebacks. Setup and monthly fees are typically waived for operators meeting volume thresholds. FX markup is bundled into the rate. Use Trustly's typical 1.5% as a negotiation ceiling and push for tiered discounts at $200k, $500k and $1M monthly. Updated May 2026.
Zimpler GO is the Pay N Play product launched in 2019. It combines casino registration, KYC and first deposit into a single bank authentication. The player selects their bank, authenticates (BankID in Sweden), and the casino account is provisioned from verified bank data while the deposit processes. Built specifically for regulated Nordic iGaming markets where Pay N Play is the dominant onboarding model. Integrated Zimpler Budget responsible-gaming limits apply automatically.
25 markets reaching ~350M bank accounts. Pay by Bank deposits live in Sweden, Finland, Germany, Netherlands, Estonia, Latvia and Lithuania. SEPA payouts to Austria, Denmark, Spain, France, Italy, Malta, Portugal, Norway and Poland. Brazil live since November 2025 with Pix. No US, UK as a standalone, Asia, Africa or LATAM beyond Brazil. The March 2026 TrueLayer acquisition close extends combined network reach into UK and broader Europe.
1-2 weeks for standard REST API integration. EveryMatrix has a pre-built Zimpler connector for one-step activation. Elantil's iGaming marketplace added Zimpler in July 2025 with one-click setup. Full sandbox at docs.zimpler.com. Mobile-first embedded checkout. Onboarding (KYB plus compliance review) takes 2-4 weeks; faster for already-licensed operators. Swedish gambling flows require the operator to hold a Swedish gambling license.
No. Zimpler is pure A2A fiat — no Bitcoin, no stablecoins, no crypto. If you need crypto deposits, pair Zimpler with CoinsPaid for iGaming crypto, NOWPayments for the broadest coin coverage, or Triple-A for stablecoin flows. Most operators run Zimpler for fiat A2A and a separate crypto processor.
1.5/5 from 65 reviews, mostly from end consumers. The same B2B2C dynamic that gives Trustly 2.9/5 from 3,187 reviews. When a payment fails or identity verification breaks, the player blames Zimpler because that is the brand they saw at checkout — even if the issue originates at the casino backend or the player's bank. Operators rate Zimpler very differently. Major Nordic casinos (LeoVegas, Mr Green, Casumo, Betsson) would not be using a B2B service that matched the consumer Trustpilot picture.
Both are Stockholm-based A2A Pay-by-Bank providers. Trustly is bigger by every measure: 6,300+ European banks vs Zimpler's 350M-account network across 25 markets, $100B+ TPV vs €2.6B, ~880 employees vs ~130, broader iGaming client list. Zimpler's edges are Brazil/Pix native authorization (Trustly does not cover Brazil), more flexible commercial terms for mid-market operators, and the compliance-forward stance after the Swedish licensing saga. Trustly has Pay N Play live in five countries; Zimpler GO covers Sweden and Finland primarily. The March 2026 TrueLayer merger narrows the coverage gap on the European side.
TrueLayer announced the acquisition October 21, 2025 and closed it March 3, 2026 after Swedish FSA change-of-control approval. The combined entity is Europe's largest Pay by Bank network: 20M+ users, combined coverage across UK, Sweden, Finland, Brazil and TrueLayer's broader European footprint. Zimpler's brand and Nordic/iGaming/Brazil focus continues; TrueLayer's UK Faster Payments and Open Banking rails plug into the same group. Pricing structures and product roadmaps are expected to rationalize through 2026 — operators signing during the transition should ask about price-protection clauses.
EveryMatrix has a pre-built Zimpler connector — for EveryMatrix operators, activation is a configuration step. Elantil's iGaming marketplace added Zimpler in July 2025 with one-click setup. SoftSwiss does not have a documented pre-built Zimpler connector at this time; operators on SoftSwiss integrate Zimpler through the standard REST API or via an orchestration layer. Trustly has SoftSwiss, EveryMatrix and Bragg connectors if SoftSwiss-native operation is a hard requirement.
Our Verdict: Should You Use Zimpler?
Final assessment for iGaming operators
Overall iGaming Score
Summary
Zimpler is the credible Pay-by-Bank alternative to Trustly for Nordic-focused operators who want negotiable commercial terms and native Brazilian Pix rails. Founded 2012 in Stockholm, ~350M bank accounts across 25 markets, €2.6B annual TPV pre-TrueLayer merger. Zimpler GO Pay N Play covers Sweden and Finland with integrated KYC and Zimpler Budget responsible-gaming controls. The 1.5/5 Trustpilot reflects consumer noise typical of B2B2C payment intermediaries — the 65 reviews against €2.6B in annual transactions are a rounding error. The TrueLayer acquisition closed March 2026 transforms the strategic picture, combining Zimpler's Nordic and Brazilian depth with TrueLayer's UK and pan-European reach.
Strongest Point
Native Brazilian Pix authorization combined with Nordic Pay N Play in a single provider. No other A2A provider in our database covers both, and the regulatory-licensing combination (Swedish FSA + Brazilian Central Bank + Pix participant) is genuine differentiation. For operators with European and Brazilian player bases, Zimpler removes the need for a separate LATAM PSP — and Brazil is the only major regulated iGaming market that has not yet saturated, so being early matters.
Key Limitation
Coverage breadth. 25 markets with real depth only in the Nordics and Brazil. No US, no UK as a standalone, no Asia, no Africa, no LATAM beyond Brazil. For global multi-market operators, Zimpler is one corner of the payment stack, not the foundation. The March 2026 TrueLayer merger materially improves this on the European side but does not extend coverage globally. Pair Zimpler with Trustly for European depth, with a card processor for non-A2A players, and with a crypto processor for digital-asset deposits.
Recommendation
Add Zimpler if Nordic Pay N Play is core to your business, if you are launching in Brazil and want native Pix rails, or if Trustly's $300k minimum and 12-month lock-in are blockers. For Swedish and Finnish operators, having Zimpler alongside Trustly is now a defensive baseline — players who prefer either provider get a working option. For Brazilian-facing operators, Zimpler's Pix authorization is the single most efficient route to A2A deposits today. For operators outside Europe and Brazil, Zimpler adds little until the post-TrueLayer integration ships broader coverage. Updated May 2026.
Pros
- Zimpler GO is a credible Pay N Play product in markets where Pay N Play matters. Combined registration, KYC and first deposit through a single bank authentication, with the casino account provisioned from verified bank data. The flow is the same idea Trustly pioneered, executed with a different bank-partner network and integrated Zimpler Budget responsible-gaming controls. For Nordic operators, having Zimpler GO alongside Trustly is a defensive move — players who prefer one provider over the other get a working option either way.
- Brazil with native Pix authorization is a genuine differentiator. June 2025 Payment Institution license from the Brazilian Central Bank, November 2025 Pix participant authorization. Pix is now the dominant payment rail in Brazilian iGaming with R$25+ trillion in 2024 volume. Operators can collect deposits in BRL and settle in EUR through Zimpler, avoiding a separate Brazilian PSP. Trustly does not cover Brazil. AstroPay covers it but as part of a broader LATAM stack. Zimpler is the rare European-born A2A provider with native Pix rails.
- Zero chargebacks by design. A2A push payments are irreversible — no card-scheme dispute path. Strong Customer Authentication at the player's own bank eliminates the typical fraud chargeback vector. For an operator running cards through Nuvei or Worldpay at 0.5-1.5% chargeback rates, every transaction routed through Zimpler is a saved fee and saved dispute. Combined with zero rolling reserves, the working-capital advantage versus card acquiring is significant.
- Compliance-forward posture differentiates Zimpler from less disciplined PSPs. The 2023 termination of unlicensed Swedish-facing gambling business — unilaterally, before the regulator forced it — and the Court of Appeal ruling in February 2025 upholding the regulator's injunction signal an operator willing to give up volume for licensing hygiene. For licensed operators worried about vendor compliance exposure during due diligence, that is an asset rather than a liability. Swedish FSA, Brazilian Central Bank and Pix participant status add to that picture.
- Negotiable pricing without the rigid public floor that Trustly enforces. Trustly requires $300k monthly minimum and 12-month contracts. Zimpler does not publish minimums or contract terms, which means smaller and mid-market operators have room to negotiate. Anecdotal benchmarking puts Zimpler's transaction pricing in the 0.5-1.5% range — competitive with both Trustly and Brite, with the same zero-rolling-reserve and zero-interchange advantages. For operators processing $100k-$300k monthly, Zimpler is the open-banking option that actually returns calls.
- TrueLayer acquisition closed March 2026 expands the combined network materially. 20M+ users across Sweden, Finland, UK, Brazil and the rest of TrueLayer's European footprint. UK Faster Payments and Open Banking rails now sit inside the same group. For operators expecting to grow beyond the Nordics, the merged entity removes the single biggest weakness of Zimpler as a standalone provider — coverage. Integration of pricing and product roadmaps will take time, but the strategic upside is real.
Cons
- 1.5/5 on Trustpilot from 65 reviews. The B2B2C consumer-noise pattern explains most of it, but players who associate your casino brand with a bad Zimpler experience still hurt your retention. End-user complaints cluster around stuck payments, failed identity verification (specifically DanskeBank flows), and unreachable support. Zimpler responds to most reviews, but the responses redirect to the casino, which reads as deflection. You inherit that consumer-facing brand risk when you offer Zimpler as a checkout option.
- Coverage is narrower than Trustly and meaningfully narrower than what global multi-market operators need. 25 markets total, with real depth only in the Nordics and Brazil. Germany, Netherlands and the Baltics work but with thinner consumer awareness than the Nordic core. No US, no UK as a standalone (UK now arrives through TrueLayer), no Asia, no Africa, no LATAM beyond Brazil. For an operator with global ambitions, Zimpler covers one corner well — it is not the single provider that covers everything.
- Pricing is not public, which makes evaluation harder for buyers comparing across providers. Trustly publishes typical rates and contract terms. Brite does similar. Zimpler requires a sales conversation before you see a number. The flip side is negotiability, but at the early-evaluation stage the lack of a published rate card means you cannot price-compare without committing time. For procurement teams running structured RFPs, that friction is a real cost.
- Developer ecosystem is thinner than Trustly's. Zimpler has a GitHub org with ~69 repos, but most are internal tooling (httpsig, status_page) rather than client SDKs. Trustly maintains 14 official repos across PHP, Java, .NET, JavaScript, iOS, Android and React Native. Brite is even thinner with no public GitHub. For most operators, the REST API plus EveryMatrix or Elantil connector covers the common cases, but custom backend teams writing their own integration will produce more glue code than they would with Trustly.
- Smaller scale than Trustly by every measure. ~125-130 employees versus Trustly's ~880. €2.6 billion annual TPV versus Trustly's $100 billion+ in 2025. 65 Trustpilot reviews versus 3,187. 25 markets versus 30+. The TrueLayer combination narrows the gap, but for the next few years Zimpler remains the smaller-scale option. That matters less for product performance and more for organizational resilience — a smaller A2A provider has less margin for a major regulatory or technical setback.
- Zero cryptocurrency support and no card acceptance. Pure A2A fiat. If your players want crypto deposits or your demographic skews toward Visa/Mastercard preferences (older European players, non-Nordic markets, US players), Zimpler covers none of that. You will need a card processor (Nuvei, Worldpay, Solidgate) and a crypto processor (CoinsPaid, NOWPayments) alongside Zimpler to deliver the full deposit menu. Zimpler is a complement to a payment stack, not a replacement for one.
Ready to evaluate Zimpler for your business?
Zimpler vs. Alternatives: How It Compares
Similar payment processing solutions
Trustly is the direct competitor with broader coverage, more iGaming clients, and a published track record at $100 billion+ TPV — but a larger Trustpilot complaint volume and rigid contract terms. Brite is the other Stockholm-based open-banking option with similar Nordic strengths, lower minimums and same-day settlement. Inpay specializes in cross-border instant payouts across 90+ countries with zero contract lock-in for operators where payouts are the priority. Paysafe adds Skrill and Neteller wallets for players who prefer wallets over bank transfers. Nuvei folds open banking into a 700+ method global stack with AI smart routing for operators who would rather consolidate vendors than run a specialized provider per region.
When to Choose an Alternative
TrustlyChoose Trustly if you need the broadest European Pay-by-Bank coverage, the strongest iGaming client validation, and Pay N Play in a market Zimpler does not cover deeply (Germany, Netherlands, UK at scale). Larger Trustpilot complaint volume but $100B+ TPV proves operational scale.
BriteChoose Brite if you want a similar Nordic A2A profile with the lowest published minimum ($200k), shortest contract (6 months) and same-day T+0 settlement. Less coverage than Zimpler in Brazil and no Pay N Play product, but the most accessible terms for testing open banking.
InpayChoose Inpay if instant cross-border payouts across 90+ countries is the priority. Zero chargeback liability, no contract lock-in. Less optimized for deposits but the strongest payout-specialist in our database for global iGaming operators.
PaysafeChoose Paysafe if your European players prefer wallets over bank transfers. 50M+ Skrill and Neteller users provide an alternative deposit method Zimpler does not cover. Many Nordic operators run both — Zimpler for bank-A2A, Paysafe for wallet players.
NuveiChoose Nuvei if you need open banking as one method within a global multi-method stack. 700+ methods, 50+ markets, AI routing. More expensive at 1.5-3.5% with rolling reserves, but eliminates the need to integrate Zimpler plus a card processor plus a wallet provider separately.
Trustly
Paysafe
Nuvei
CoinsPaid
Inpay
Payout Specialist
End of Report. Zimpler Provider Assessment Report 2026
Prepared and reviewed by the iGaming Payment Solutions Editorial Team · May 13, 2026