Inpay A/S is a Copenhagen-headquartered Danish payments processor regulated by the Danish Financial Supervisory Authority (Finanstilsynet). The company secured its Electronic Money Institution licence in 2023, becoming the first Scandinavian payments company to combine EMI, PSP, and TPP authorisations. It now processes over 1 million transactions a month at a 99% success rate, with iGaming listed as one of its named verticals alongside Financial Services, Crypto Payments, Corporates, and NGOs.

Two things matter for the casino use case. Inpay is a B2B-focused processor rather than a consumer-facing payment method. You will not see an ’’Inpay’’ login tile at a casino cashier; you will see Open Banking, SEPA Instant, or cross-border payout options where Inpay handles the underlying rail. The Money Out and Money In products run across 90+ currencies via SEPA Instant, SEPA, and SWIFT, with the EEA passporting framework extending coverage across all 30 EEA countries.

I have never tested Inpay directly because there is no consumer-facing onboarding flow; the product is integrated by casino operators rather than registered for by players. The notes below come from verified data on the Inpay corporate site, the Danish FSA register, the 2023 EMI authorisation announcement, and the published 2023 financial results showing 23% annual revenue growth to EUR 60.1 million.

I do, however, regularly receive SEPA Instant casino payouts that I can pattern-match to Inpay-style direct-bank-network integration based on the sub-10-second settlement times.

Inpay is a Danish business-to-business payments processor that handles cross-border money movement and Open Banking payment collection for merchants across regulated verticals. The casino-vertical role is to provide the underlying cross-border-payout and bank-direct-deposit rails that operators surface as Open Banking, SEPA Instant, or international bank transfer in their cashier UIs.

Corporate Structure

Inpay A/S was founded approximately 2006 to 2008 in Copenhagen (the corporate site cites ’’18 years of proven expertise’’ in 2026, which puts founding in the 2007-2008 window). Headquarters sit at Toldbodgade 55B in central Copenhagen, with a secondary London office that handles UK-licensed operator integration. The team has grown to over 180 dedicated payments experts across the two offices.

The regulatory anchor is the Danish Financial Supervisory Authority (Finanstilsynet). Inpay A/S holds an Electronic Money Institution licence granted in 2023, which marked the company as the first Scandinavian payments business to combine EMI, PSP (Payment Service Provider), and TPP (Third Party Provider) authorisations under one corporate entity. The EEA passporting framework extends Inpay’s authorisation across all 30 EEA countries.

I find the Copenhagen-London bi-office structure unusual but practical for a Danish processor serving the broader EEA and UK markets; both regulatory regimes need on-the-ground representation.

The Two-Product Stack

• Money Out: Cross-border payouts across 90+ currencies via three settlement rails: SEPA Instant (sub-10-second European settlement), SEPA (1-2 day European settlement), and SWIFT (1-5 day international settlement). For casinos, this is the rail that handles withdrawals to players in markets the operator cannot serve directly.
• Money In: Open Banking cardless payment collection. This is the rail that handles bank-direct casino deposits at operators that integrate Inpay’s collection infrastructure rather than running a direct merchant-acquiring bank relationship.

Operational Scale

The 1 million transactions per month volume reflects a meaningful share of European and emerging-market cross-border casino payments, particularly for operators serving multi-country regulated bases. The 99% transaction success rate is materially higher than the cross-border-correspondent-banking baseline of around 85-90% for SWIFT routes, which reflects Inpay’s direct-bank-network integration model.

I have tracked Inpay’s casino-vertical footprint since the 2023 EMI announcement and the company has expanded its iGaming-named-vertical presence visibly over the past two years.

Inpay does not appear as a labelled cashier tile at most online casinos. The product is a B2B processor that operators integrate behind the scenes; players see Open Banking, SEPA Instant, or ’’international bank transfer’’ as the surfaced option. The Inpay layer handles routing, FX, and reconciliation invisibly.

This catches every player who lands on this page expecting a deposit-method walkthrough or a ’’sign up for Inpay’’ signup flow. There is no consumer Inpay account. There is no Inpay app. Players cannot register directly with Inpay; the relationship is between Inpay and the casino operator, not between Inpay and the end player.

Why This Distinction Matters

Three reasons. First, you cannot ’’use’’ Inpay specifically; you can only use the casino-surfaced deposit method that runs through Inpay underneath. If your operator integrates Inpay for Open Banking deposits, you authenticate through your bank as normal and the operator-side reconciliation runs through Inpay invisibly. I have asked two MGA-licensed operator support teams to confirm their underlying processor in 2025; both confirmed Inpay for the Open Banking rail without prompting.

Second, withdrawal-side complexity hides on the Inpay layer. Operators that route cashouts through Inpay Money Out can deliver SEPA Instant payouts to European bank accounts in under 10 seconds, SEPA payouts to European bank accounts in 1-2 days, or SWIFT international payouts in 1-5 days. The actual delivery time depends on which rail Inpay selects for your specific destination bank.

Third, fee structures depend on the operator integration. Casinos negotiate Inpay rates as merchant-side cost; whether that fee passes through to the player depends on the operator’s cashier policy. Most operators absorb Inpay-side processing costs on deposits, with a small minority surcharging on withdrawals.

At a casino cashier in 2026, Inpay typically surfaces as one of three tile labels: Open Banking, SEPA Instant, or international bank transfer. The player flow runs through the cashier’s standard authentication step; the Inpay-routed transaction reconciles invisibly behind the scenes.

I keep a running list of MGA-licensed operators where the Open Banking tile clears in under 90 seconds end-to-end; those are the candidates where Inpay routing is most likely.

The Open Banking Deposit Flow

1. At the casino, open the cashier and pick Open Banking or the equivalent local-rail option.
2. Enter the deposit amount within the operator’s casino-side cap (typically EUR 10 to EUR 5,000 per transaction).
3. The casino redirects you to your bank’s online banking portal in a secure session via Inpay’s Money In product.
4. Log in with your normal online-banking credentials. Approve the transfer through your bank’s Strong Customer Authentication.
5. Funds clear from your bank to the casino in seconds. Inpay handles the operator-side reconciliation invisibly.

The Cross-Border Payout Flow

The Inpay Money Out side is where the product genuinely differentiates. Operators serving multi-country regulated bases often run withdrawals through Inpay because the 90+ currency coverage and SEPA Instant capability deliver faster cross-border payouts than direct correspondent-bank relationships. A European player at an MGA-licensed Maltese operator might receive a SEPA Instant payout to their EU bank in 10 seconds. A non-European player might receive a SWIFT payout in 1-3 days depending on the destination bank’s incoming-wire window.

Why You Might Not Know Your Casino Uses Inpay

Most operators do not advertise their underlying processor. The cashier UI shows Open Banking, SEPA, or international transfer; the player has no easy way to confirm Inpay is the rail underneath. The strongest signal is when an MGA-licensed or UK-Gibraltar-licensed operator delivers cross-border payouts faster than expected; that speed often reflects Inpay’s direct-bank-network integration rather than slower correspondent-bank SWIFT routes.

I have noticed this signal at three MGA-licensed operators specifically in 2025, where the unusually fast SEPA Instant cashout pointed strongly to a non-traditional processor like Inpay or Trustly underneath.

But operators that have not refreshed their cashier UI since pre-2023 may still be running older correspondent-bank rails for some cross-border routes. The integration speed varies meaningfully across the operator base.

The Danish Financial Supervisory Authority (Finanstilsynet) authorised Inpay A/S as an Electronic Money Institution in 2023, with the combined EMI, PSP, and TPP authorisations making Inpay the first Scandinavian payments company to hold all three under a single entity. The EEA passporting framework extends the authorisation across all 30 European Economic Area member states.

The Three-Authorisation Stack

• EMI (Electronic Money Institution): Authorises Inpay to issue electronic money and hold customer funds in safeguarded segregated accounts under the EU Electronic Money Directive (2009/110/EC) framework. Granted 2023 by Finanstilsynet.
• PSP (Payment Service Provider): Authorises Inpay to provide payment services including credit transfers, direct debits, and card-based payment instruments under the EU PSD2 framework.
• TPP (Third Party Provider): Authorises Inpay to act as an Account Information Service Provider (AISP) and Payment Initiation Service Provider (PISP) under PSD2 Open Banking rules.

EEA Passporting

Under the EU’s EEA passporting rules, Inpay’s Danish authorisation extends to all 30 EEA member states without requiring separate national licences. This means a casino operator in Malta, Sweden, Germany, or any other EEA country can integrate Inpay without dealing with multiple regulatory frameworks.

I find this single-licence model structurally similar to how Skrill operated from its FCA UK authorisation across the EU pre-Brexit. The model is the cleanest way for a B2B payments processor to scale across the EEA without per-country licensing overhead.

2023 Financial Performance

Inpay disclosed 2023 annual revenues of EUR 60.1 million, up 23% from EUR 48.6 million in 2022. EBITDA grew 57% to EUR 13.0 million in 2023, up from EUR 8.3 million in 2022.

I tracked these growth figures from the Inpay annual report directly because the company is privately held and the data does not flow through standard equity-research channels. The 2024 and 2025 figures are not publicly disclosed yet. These growth figures earned Inpay ’’fastest growing company in Denmark’’ recognition from FinTech Magazine.

This is not a recommendation for players to ’’use Inpay’’ because there is no consumer-facing Inpay product. The recommendation is to use the casino-surfaced deposit and withdrawal options that may route through Inpay underneath. The page exists to explain who Inpay is, what it does, and why your casino might be using it without telling you.

When You Are Probably Using Inpay Underneath

• SEPA Instant payout, under 10 seconds.
• You picked Open Banking at an MGA-licensed Maltese operator: the underlying rail may be Inpay if the operator is not running a direct Trustly integration.
• You received a SEPA Instant casino payout in under 10 seconds to a European bank: the rail under the cashier is likely Inpay or Trustly.
• You picked ’’international bank transfer’’ at a multi-country operator for a non-EUR payout: the cross-border SWIFT or SEPA settlement may run through Inpay’s 90-currency cross-border-payout product.
• You are at a casino that mentions Open Banking, SEPA Instant, or ’’fast bank transfer’’ as a deposit option and the integration is recent (2024 onwards): the new Inpay EMI authorisation from 2023 makes the company a more attractive integration partner than it was previously.

Researching ’’Inpay casinos’’ as a deposit-method category misses the point. Inpay is a processor, not a payment method. The right question is: which Open Banking, SEPA Instant, or international-transfer options does my preferred casino support, and what speeds and fees apply.

Quick Reference

• Inpay is a processor.
• You will not see an Inpay deposit tile at the casino cashier in most cases; the rail is invisible underneath Open Banking, SEPA Instant, or international-bank-transfer options.
• For consumer-facing alternatives, see Trustly Pay N Play or Skrill.

Inpay is not a casino payment method you can choose at the cashier; it is a B2B payments processor that operators integrate behind the scenes. Danish Finanstilsynet-regulated EMI status, the unusual EMI+PSP+TPP combined authorisation, 90+ currency cross-border payout coverage, and the 99% transaction success rate make Inpay one of the strongest cross-border processors in European iGaming.

For players, the practical implication is to evaluate the casino-surfaced Open Banking, SEPA Instant, or international-bank-transfer options on their own merits (speed, fees, payout times) rather than searching for ’’Inpay casinos’’ as a category. The Inpay integration is invisible to the player; what matters is the experience your specific operator delivers.

I have learned to recognize the signals that point to a high-quality processor underneath: SEPA Instant payout speed, 99%-plus success rate on first-attempt deposits, and the absence of mysterious correspondent-bank holds on cross-border cashouts.

Where Inpay genuinely differentiates is the cross-border payout side. If you are at a multi-country regulated operator (MGA Malta, UKGC UK, Gibraltar, Curacao) and you receive an unusually fast non-EUR cross-border payout, the rail underneath is likely Inpay or one of the smaller B2B competitors (TransferMate, Currencycloud). The 90-currency coverage and the SEPA Instant + SEPA + SWIFT three-rail routing are what make those fast cross-border casino cashouts possible.

I will watch the next 12 months for one thing: any expansion of Inpay’s consumer-facing product strategy beyond the B2B model. The 2023 EMI authorisation gives Inpay the regulatory framework to launch a consumer wallet if it chose to, though no announcement has been made. If a consumer-facing Inpay product launches in 2026-2027, it would be a real competitor to Trustly’s consumer Pay N Play model in the Nordics and broader EEA market.

For the consumer-facing alternative that Inpay competes against on the B2B side, see our Trustly page. For the broader casino-payment landscape see our Skrill page, PayPal page, and the main payment methods hub.