Inpay
Inpay was founded in 2008 and is headquartered in Copenhagen, Denmark. It obtained a Danish EMI licence from Finanstilsynet in 2023 and owns the Eurogiro network, giving it bank-rail reach into more than 90 countries across Europe and globally.
Its positioning is a bank-rail specialist rather than a card acquirer: pay-ins and especially payouts over SEPA Instant, Faster Payments and SWIFT. It is placed in the high-risk category here because of its historic gambling client base, although the company paused onboarding of new gambling clients from July 2026 under a Finanstilsynet AML order.
For operators
For gambling operators Inpay's offer is payouts and pay-ins over open banking and bank transfer rails, with no card acquiring. Reviews cite payout fees of around one percent and deposit fees of half a percent to two percent. Existing gambling clients can move winnings to players' bank accounts in more than 90 countries, but as of July 2026 Inpay is not onboarding new gambling operators, which operators must factor into any plan.
Integration
Inpay publishes a single REST API for pay-ins and payouts supporting JSON and ISO 20022 formats, with webhooks and a sandbox. Pricing per reviews is around one percent for payouts and half a percent to two percent for deposits; there is no card acquiring.
Licences & compliance
Inpay holds a Danish EMI licence from Finanstilsynet granted in 2023. In July 2026 it paused onboarding of new gambling clients under a Finanstilsynet AML order, which is the most important regulatory fact for operators evaluating it today.
- Danish EMI (Finanstilsynet, 2023)
Pros
- Licensed Danish EMI owning the Eurogiro network
- Bank-rail payouts to 90+ countries over SEPA Instant, Faster Payments and SWIFT
- Single REST API with ISO 20022 support and sandbox
Cons
- New gambling client onboarding paused since July 2026 under an AML order
- No card acquiring
- Pricing figures come from reviews rather than a published tariff
Verdict
Inpay is relevant for operators that already hold a contract and need international bank-rail payouts, and for operators tracking when gambling onboarding resumes. New gambling operators cannot currently sign up, so they should look at other open-banking and bank-transfer providers for payouts.
Frequently asked questions
Is Inpay accepting new gambling clients?
No. Inpay paused onboarding of new gambling clients from July 2026 under a Finanstilsynet AML order.
Does Inpay offer card acquiring?
No. Inpay is a bank-rail specialist offering pay-ins and payouts over SEPA Instant, Faster Payments and SWIFT.
What does Inpay cost?
Reviews cite around one percent for payouts and half a percent to two percent for deposits; exact terms are agreed per client.