Regulation in the UK gambling industry - especially for casinos operating in the online space, is getting more and more stringent. We at find that on the one hand, water-tight regulation ensures that you are able to gamble in a safe environment. However, too much regulation can have a negative impact on the end-to-end gambling experience. Much of this centres of the KYC process.

In other words, when you create an account with a best online casino site, you will be required to provide the platform with a significant amount of personal information. Not only this, but you will also need to verify this information by submitting countless documents.

However, what if it was possible to play at an online casino without actually having an account? While this might sound like a regulator’s nightmare, this is exactly what you can do via a Pay n Play casino. In order to find out how Pay n Play casinos work, and how they ensure that they comply fully with national regulators, be sure to read out informative article.

What is Pay n Play?

Pay n Play is an innovative term used to describe online casino platforms that allow you to gamble without opening an account. The Pay n Play mechanism is actually an emerging payment system that bridges the gap between online gambling operators and traditional bank accounts.

Owned by parent company Trustly - who themselves have a formidable reputation in the online payment gateway arena, Pay n Pay is able to extract information directly from your bank account, and feed it straight to the online casino.  As a result, this alleviates the need for you to sit at your computer feeling frustrated that you need to keep entering the same personal information at every casino you use.

This problem is actually far greater than we at first thought. According to the team at Pay n Pay, research suggests that almost 1 in 4 online casino players abandon the registration process because of the sheer amount of personal data they are asked for. The same study found only one-third of those that did complete the account opening process went on to make a deposit. This is likely because the players in question did not feel comfortable entering their debit and credit card information directly into the casino’s website.

With that being said, the team at Pay n Play have built a smart piece of technology that enables players to play their favorite casino games without ever needing to open an account. In order to find out how they are able to do this, let’s explore how the Pay n Play casino process works in more detail.

How does a Pay n Play casino work?

At first glance, we at were sceptical of a casino’s ability to accept players without so much of a first name or last name. The reason for this is that anti-money laundering (AML) laws in the online gambling industry are really strict.

Not only would a casino face financial penalties for failing to identify a player, but it would also have its license revoked. However, the entire Pay n Play casino process complies 100% with all gambling laws and regulations.

So, when you first head over to a Pay n Play casino, instead of looking for that ‘Open Account’ or ‘Sign-Up’ button, you’ll instead need to search for the ‘Pay n Play’ button. By clicking it, you’ll then be asked to securely go through the Trustly payments system. This will require you to select which bank you use, and then safely login to your online banking facility.

Don’t worry, Trustly is a highly established payment network with an excellent reputation. All of your information is encrypted by institutional-grade security features, so your login credentials will never get into the wrong hands.

Once you’re logged into your bank account, you will then need to specify how much money you want to deposit into the Pay n Play casino. As soon as you confirm the transaction, the window will close and you’ll be taken back to the Pay n Play deposit page. Within a few seconds, you should see your stated deposit amount credited, meaning you can start playing straight away.

All of this was made possible without needing to provide any personal information, nor will you need to supply any identification documents when you decide to make a withdrawal, which we’ll cover in the section below.

The benefits of Pay n Play casino sites

Here is a list of the key benefits you’ll get by using a Pay n Play casino platform.

Ultra-quick to get started

Unlike a conventional online casino, Pay n Pay do not ask you to enter any personal data when you register an account. Ordinarily, you would need to enter your full legal name, registered address, nationality, date of birth, email address, and telephone number.

None of this is required by Pay n Play casinos, as the Trustly mechanism is able to extract the data directly from your bank account. This means that you can get started in a matter of seconds, as opposed to going through the cumbersome process of entering page after page of personal information.

Super fast deposits

Deposit speeds at an online casino will ultimately depend on the specific payment method you decide to use. For example, if opting for a debit or credit card, the process is usually instant. However, you need to consider the risks of entering your financial details online.

With cyber-crime methods getting more and more advanced, we at find that some players prefer to use a bank account to deposit funds as an extra layer of security.

However, the key problem in using a bank account at an online casino is that the funding process is super slow. In fact, you should expect to wait in the region of 3 to 5 days before your funds are credited.

On the contrary, Pay n Play deposits via your personal bank account are instant. The reason for this is that the Trustly payment system acts as a third party.

They are able to instantly evaluate whether or not you have enough funds in your bank account to honor the deposit. If there is, then the Pay n Play casino will credit your account within a matter of seconds.

Automated KYC

We at find that the biggest pain-point facing players in an age of ever-increasing regulation is the requirement to go through a stringent KYC process. For those unaware, KYC requires new online casinos to verify your identity.

As per the Money Laundering Regulations 2017 (based on the EU Money Laundering Directive 4), all players must have their identity confirmed within 72 hours of opening their account, or before they have their first withdrawal request approved.

For you as the player, this will require you to upload a copy of your government issued ID (such as a driver’s license or passport), as well as a proof of address. Regarding the latter, this will need to be a utility bill or bank statement dated within the last three months.

The great news is that by using a Pay n Play casino, there is absolutely no requirement to go through a KYC process. Instead, Pay n Play casinos (via Trustly) are able to extract your personal information from the bank account you made the deposit from. As such, they can instantly verify your identity and thus, remain fully compliant with AML legislation.

Instant withdrawals

Not only do Pay n Play casinos allow you to open an account instantly without providing any personal information or ID, but you can also benefit from instant withdrawals. The conventional withdrawal process with an online casino will normally see the platform carry out checks on your cashout request. If using a debit or credit card, the pending process usually goes on for 1-2 days. If withdrawing funds over the weekend, this could take even longer.

Once the online casino finally gets around to processing your withdrawal request, you’ll then need to wait a further 1-3 days for the debit or credit card issuer to refund the winnings back into your account. All in all, this is a rather lengthy process.

However, Pay n Play casinos will allow you to withdraw your winnings instantly back to the same bank account you used to deposit. There is no need to engage in a verification or pending process, as payments are released as soon as you make the request!

Who can play at a Pay n Play casino?

As great as the Pay n Play casino phenomenon is, it is important to note that only a select few countries are supported. This includes Germany, Sweden and Finland. However, due to the nature of how efficient and beneficial the system is for players, we expect the Pay n Play casino list to increase in the very near future.

Check out the list of supported banks below.

  • Ålandsbanken
  • Danske Bank
  • ICA Banken
  • Ikano Bank
  • Länsförsäkringar Bank
  • Nordea
  • SEB
  • Skandiabanken
  • SparbankenSyd
  • Svenska Handelsbanken
  • Swedbank

How does Pay n Play benefit the casino?

In effect, the Pay n Play deposit and withdrawal process is just as beneficial to the casino as it is to you as the player. Think about it. Online casinos are just as frustrated as you are when it comes to ever-growing regulatory scrutiny. Not only do regulatory demands force casinos to employ costly verification teams, but it makes the player acquisition process even more challenging.

On the contrary, by providing the player with a seamless end-to-end gambling experience, casinos will be able to attract significantly more customers.

Most importantly, casinos can achieve all of this while still remaining fully compliant with AML regulations. The reason for this is that players are still ‘technically’ required to go through a KYC process to verify their identity. However, as the process is completed instantly when the player deposits funds, the player does not need to provide any information directly.


In conclusion, we at think that it is reasonable to suggest that Pay n Play casinos could form a major part of the online gambling space in the very near future. The end-to-end process of being able to deposit and withdraw funds instantly without opening an account is highly attractive to players.

Not only this, but not having to upload countless KYC documents is a major benefit. However, as the payment system is still in its infancy, we’ll have to wait for Pay n Play to reach the UK space.

Quickfire FAQ section

What is a Pay n Play casino?
A Pay n Play casino is an online gambling platform that utilizes Trustly as its de-facto payment method. In doing so, you can deposit and withdraw funds instantly via your bank account without needing to open an account or go through a KYC process.

How do Pay n Play casinos comply with KYC laws?
When you make a deposit at a Pay n Play casino, the platform (via Trustly) is able to extract your personal information from your bank account, meaning they can verify your identity on the spot.

Which countries can play at Pay n Play casinos?
At the time of writing, citizens from Germany, Finland and Sweden can access Pay n Play casinos. However, we expect this list to increase significantly in the very near future.

Are there any Pay n Play mobile casinos?
If you’re looking to access a Pay n Play mobile casino then you’re in luck, as all operators currently offering the payment system also allow you to do so via your phone. This means you can play Pay n Play slots on the move.

Do Pay n Play casinos offer deposit bonuses?
A good number of Pay n Play gambling platforms offer top casino bonuses when you first make a deposit.

Charles Baxendale

A keen researcher in the development of methods and theories for computer sciences. A lover of algorithms and mathematical computation. Consultant to online slots software companies and a player in my spare time.