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Pay N Play (PnP) Casinos 2024

PnP casinos recommended by the Gambling Bulldog:

200% up to €1,000 + 10% Daily Cashback

Main Terms

Min deposit €10. Wagering is 30x B with real funds. Max bet €5. Bonus funds clear after wagering. Multiple deposits can be made. 10% cashback on lost, bonus-free deposits, credited daily with no wagering. Max cashout from bonus or cashback €2000. Offer may vary by country. Full T&C Apply. 18+ | gamble responsibly.

100% up to €200 + 20 Spins

Main Terms

Code: ULTRA1 - Min deposit €20. Wagering 50xB for bonus & spins. Max bet €5. Max cashout €5,000 for bonus & €250 for spins. More bonuses for 2nd + 3rd deposit. Offer may vary by country. Full T&C apply. 18+ | new players only | gamble responsibly

Up to 15% Daily Bonus Cashback

Main Terms

Daily rewards for active players - Bonus Spins or up to 15% Bonus Cashback based on net losses. Deposit required to qualify. Wagering requirement is 10x for cashback & 50x for spins. Rewards must be used by midnight. T&C apply. 18+ | gamble responsibly

10 SuperSpins + Rakeback + 10% Cashback

Main Terms

Min deposit €10. SuperSpins at €1 each. Wagering 35xB. Max bet €5 per spin or €0.50 per line. No max cashout. | 30% Rakeback = stakes x 1% x rakeback percentage | 10% Cashback on selected days = casino stakes - returns | Max for both €200 before needing to redeem. | Full T&C Apply. 18+ | gamble responsibly.

CASINO: 100 Spins on Book of Power | SPORTS: €25 Risk-Free Bet

Main Terms

Min deposit €10. Wagering is 10x winnings. Max bet €5. No max cashout. Different terms for Sports Bonus. Full terms apply. 18+ | new players only | gamble responsibly

100% up to €100 + up to 15% Bonus Cashback

Main Terms

Min deposit €25; Wagering 50xB; Max bet €5. No max cashout. Wagering 10x for cashback, 50x for spins. Full T&C apply. 18+ | new players only | gamble responsibly

150 Spins + up to 10% Cashback.

Main Terms

Min deposit: €20; Wagering: 15x; No max cashout. Weekly losses up to €500 - Free or Super Spins, over €500 - 10% cashback. No wagering on cashback or reward spins. Full T&C Apply. 18+ | gamble responsibly.

CASINO: 200% up to €200 + 10% Daily Cashback | SPORTS: 100% ComboBoost + 10% Daily Cashback on Live Sports

Main Terms

Min deposit €20. Wagering is 30x B with real funds only. Max bet €5. Bonus release after wagering is completed. Multiple deposits can be made. 10% cashback on bonus-free deposits, credited daily with no wagering. Max cashout from bonus or cashback €2000. ComboBoost min odds 1.4 on pre-leg selections only. Offer may vary by country. Full T&C Apply. 18+ | gamble responsibly.

Exclusive: 125% up to €250 + 50 Spins + up to 20% CB

Main Termns

Code: UNIVERSE | Min deposit €10. Request spins in Live Chat after deposit | Wagering 55x B + spins; Max bet €5; Max cashout €2000; Cashback credited on Mondays as real cash. Full T&C apply. 18+ | new players only | gamble responsibly

100% up to €100 + 500 Spins
Main Terms

Code: BONUS1 - Min deposit €20. Wagering 50xB for bonus & spins. Max bet €5. Max cashout bonus €5,000,  spins €250. More bonuses for 2nd, 3rd & 4th deposit. No Skrill, Neteller or PaysafeCard. Offer may vary by country. Full T&C apply. 18+ | new players only | gamble responsibly

100 Spins + up to 10% Cashback

Main Terms

Min deposit: €20; Wagering: 20x; Max bet €5 (€3 in some countries). No max cashout. Weekly net losses up to €500 - Free/Super Spins, over €500 - 10% cashback. No wagering on cashback or reward spins with max cashout €1000. Offer may vary by country. Full T&C Apply. 18+ | gamble responsibly.

200% up to €200 + 10% Daily Cashback

Main Terms

Min deposit €20. Wagering is 30x B with real funds only. Max bet €5. Bonus release after wagering is completed. Multiple deposits can be made. 10% cashback on bonus-free deposits, credited daily with no wagering. Max cashout from bonus or cashback €2000. Offer may vary by country. Full T&C Apply. 18+ | gamble responsibly.

200% up to €200 + 10% Daily Cashback

Main Terms

Min deposit €20. Wagering is 30x B with real funds only. Max bet €5. Bonus release after wagering is completed. Multiple deposits can be made. 10% cashback on bonus-free deposits, credited daily with no wagering. Max cashout from bonus or cashback €2000. Offer may vary by country. Full T&C Apply. 18+ | gamble responsibly.

100% up to €300 + 50 Spins

Main Terms

Min. deposit €20; Wagering 40x D+B including Free Spin winnings; Max FS winnings credited as bonus: €20; Max bet €5; No Max cashout; No Skrill or Neteller. T&C Apply. 18+ | gamble responsibly

1 Cash Spin per €1, up to 1,000 Spins

Main Terms

Min deposit €20. 1 Cash Spin per  €1 on 1st Four Deposits. Up To 250 spins per deposit. Spins credited equally over 5 days. Winnings are cash. Max withdrawal €10,000 / claimed batch. Full T&C apply. 18+ | new players only | gamble responsibly

500% up to €500 in Extra Cash

Main Terms

Code: NEON - Select countries only. Min. deposit €10. 500% of first deposit is credited in cash after the calculated 500% bonus is wagered 20x with real funds only. Multiple deposits can be made. Full T&C apply. 18+ | new players only | play responsibly

100% up to €500 + 100 Spins

Main Terms

Min deposit €20; Claimed bonus amount credited in cash after 35x wagering is completed. Multiple deposits can be made to meet WR. No max bet or max cashout. Ecopayz, Skrill and Neteller excluded. Not available in selected countries. T&C apply. 18+ | new players only | gamble responsibly

100% up to €200 + 25 Spins

Main Terms

Min deposit €20. Wagering 40x D+B including Free Spin winnings; Max FS winnings credited as bonus: €20; Max bet €5; No Max cashout. T&C Apply. 18+ | gamble responsibly

125% up to €500 + 50 Spins

Main Terms

Min deposit €20. Wagering 40x D+B and 40x spins. Max winnings from spins is €20 per batch. No Neteller or Skrill. T&Cs apply. 18+ | new players only | gamble responsibly

CASINO: 100% up to €200 | SPORTS: 100% up to €150

Main Terms

Casino: Min deposit €20; Wagering 45x B; Max bet €5 | Sports: Min deposit €10; Wagering 5x D+B; Min odds 1.75.| No max cashout. Full T&C apply. 18+ | new players only | gamble responsibly

200% up to €200 + 10% Daily Cashback

Main Terms

Min deposit €20. Wagering is 30x B with real funds only. Max bet €5. Bonus release after wagering is completed. Multiple deposits can be made. 10% cashback on bonus-free deposits, credited daily with no wagering. Max cashout from bonus or cashback €2000. Offer may vary by country. Full T&C Apply. 18+ | gamble responsibly.

100% up to €250 + 50 Spins

Main Terms

Min. deposit €20; Wagering 40x D+B including Free Spin winnings; Max FS winnings credited as bonus: €20; Max bet €5; No Max cashout; No Skrill or Neteller. Offer may vary by country; Full T&C Apply. 18+ | new player only | gamble responsibly

200 Spins + up to 10% Cashback

T&Cs Apply

Min deposit: €20; Wagering: 30x; Max bet €5 (€3 in some countries). No max cashout. Weekly net losses up to €500 - Free/Super Spins, over €500 - 10% cashback. No wagering on cashback or reward spins with max cashout €1000. Offer may vary by country. Full T&C Apply. 18+ | new players only | gamble responsibly.

10 - 20 % Daily Cashback

Main Terms

10-20% cashback on lost bonus-free deposits, credited daily at 1 AM (UTC) with 3x wagering. Min net loss €19. Bonus and Full T&C apply. 18+ | new players only | gamble responsibly

100% up to €200 + 20 Spins

Main Terms

Min deposit €20. Wagering 50x B and 50x spins; Max bet €5; No max cashout; Full T&C apply. 18+ | new players only | gamble responsibly

What is Pay N Play (PnP)?

Pay N Play, shortened PnP, is a payment service by Swedish fintech company, Trustly, laced with data capture possibilities. Using their online banking credentials, customers pay directly from their bank account. Furthermore, end-user data can be utilised to open an account with the merchant. Moreover, the service verifies customer data and facilitates identity checks in seconds. Though Pay N Play is a Trustly product, the term ‘Pay N Play Casino’ has been coined by the gambling industry to describe online casinos with automatic registration, basic identity verification, and instant banking capabilities.

Today, numerous companies provide PnP style services, such as Brite, Zimpler, and Klarna with Klarna Kosma. All enable a merchant to create an account automatically from approved bank data and pay for products and services in real time via instant bank transfer. As a result, Pay N Play is popular in the gaming sector, where automated account creation and instant payments improve upon the standard onboarding process and traditional payment methods. Pay N Play services are made possible through Open Banking technology.

How Does Pay N Play Work?

In basic terms, Pay N Play processors act as a gateway between a buyer’s and seller’s bank accounts. Pay N Play works on the Open Banking framework, which allows customer data, previously kept in closed banking systems, to be shared. Each bank on the framework enables programmable payment services through an Application Programming Interface (API). In turn, payment processors like Trustly build services that integrate with a merchant’s payment gateway, or an online casino cashier. You could say that Trustly, Klarna, NODA, Zimpler, Brite, etc, act as approved middlemen between merchants and banks.

PnP casino

Sensitive account information like BankID is not shared with the merchant, which receives a notification of payment approval or decline. In addition, basic identity and address data is checked and verified allowing users to skip registration forms. Subsequently, this process protects the merchant as well as the buyer by combating fraudulent sign-ups or accidental misinformation from human error. In the case of online casinos, Pay N Play services facilitate instant transactions and automatic sign-up while satisfying Anti-Money Laundering (AML) legislation associated with licencing, such as Know Your Customer (KYC) requirements.

The Benefits of Instant Play Casinos

In short, Pay N Play has revolutionised gambling. Naturally, players gravitate towards fast-paying casinos. Coupled with efficient login, players can deposit, play, and cash out with ease. To this end, Pay N Play casinos represent the pinnacle of fast-paced gaming, becoming highly sought after as a result. After all, what could be easier than joining and being automatically verified, while making instant deposits and withdrawals via a single, state-of-the-art service?

Bank-level security backs the Open Banking framework, ensuring players and casinos a reliable and safe way to transfer funds. Transactions are immediately processed, meaning a smoother service and no waiting for withdrawals. What’s more, streamlined login and automatic verification mean players have quick access to games. In addition, the casino satisfies licencing requirements automatically, as well as providing a less intrusive verification process for players, and, in turn, uninterrupted gameplay.

How To Use Pay N Play – A Quick Guide

Pay N Play UI
  • Choose the amount you wish to deposit on the Pay N Play Casino home page
  • Select your bank or financial institution from the available list
  • Log in to your chosen bank using your online banking credentials
  • Approve the transaction (first-time users may need to approve the processor prior to the transfer)

Upon completion, funds are transferred and you are ready to play. When making a withdrawal, approved funds are transferred in seconds. Upon returning to a Pay N Play casino, simply repeat the process.

Open Banking & Gaming – A Brief History

In 2016, Pay N Play found its way into European online casinos. An instant hit with players due to fast payouts, automatic registration and verification, Pay N Play spread globally. Trustly pioneered Open Banking technology, paving the way for fintech powerhouses like Brite and Klarna to follow. To compete, casinos embraced a myriad of methods with a focus on fast payments, often powered by Trustly, like PayPal. Consequently, the emergence of Open Banking and its influence on global payments helped spur a revamp of traditional methods, such as VISA Direct in February 2018, which enables transactions and customer verification with VISA cards.

Broadly speaking, many casinos fall into the category of Pay N Play due to streamlined registration and instant payments. While some do not offer the automatic verification of a PnP style product, many use alternative products from Trustly, Klarna, Brite, etc, to provide Account-to-Account (A2A) payments. In addition, a number of online casinos have trimmed sign-up, by way of a mobile code, for example. This results in a hybrid of services to produce a similar effect. By comparison, the caveat with a hybrid casino is that basic KYC checks for identity and address are completed seperately.

Trustly Azura

Fast forward to today and Trustly is a leading player in banking, processing more than $42 billion in transaction volume in 2022. Trustly continues to innovate, launching its data-enriched payment suite, Trustly Azura, in May 2023. Brite works in conjunction with more than 3800 banks around the world, and Klarna accommodates more than £2 million transactions daily. Meanwhile, Zimpler processed 2.5 billion SEK in 2022. In summary, business on both sides of the fence continues to flourish as payment processing quickens, alongside automated data capture services, making gaming and banking easier.