Best cashier solution for online casinos

Looking for the best cashier solution for online casinos in Malta? Here's a quick breakdown to help you choose the right option tailored for Malta's regulated iGaming market:

• Fluid: AI-powered cashier with real-time analytics, seamless brand integration, and multi-currency support. Designed specifically for iGaming with fast integration and robust fraud prevention.

• PayPal: A globally trusted e-wallet offering secure transactions and instant deposits. Great for player trust but limited by regional restrictions and credit card funding rules.

• Trustly: Known for its Pay N Play feature, it simplifies registration and deposits in one step. Ideal for fast payouts and compliance with AML/KYC requirements.

• MuchBetter: A mobile-first digital wallet with FCA regulation, strong security, and gaming-specific features. Supports players across 180+ countries with instant deposits and rewards.

Quick Comparison

Key takeaway: If you prioritise AI-driven insights and seamless player experience, Fluid is a top choice. For speed and simplicity, Trustly excels. PayPal offers unmatched trust, while MuchBetter is perfect for mobile-first players. Choose based on your casino’s goals and player preferences.

BEST Online Casino Payment Providers in the USA [2025]

1. Fluid

Fluid's AI-powered digital cashier transforms payment journeys by customising each step to match the preferences of players. This personalised approach not only enhances player satisfaction but also boosts conversion rates, addressing key challenges like security, compliance, and retention in Malta's competitive iGaming market.

What sets Fluid apart is its fully integrated visual experience. Unlike clunky iframes that disrupt brand continuity, Fluid ensures your casino’s identity remains intact throughout the payment process. By keeping players immersed in your brand, you build trust and reduce the chances of payment abandonment.

At the heart of Fluid’s intelligence is behaviour analytics. The platform tracks player interactions with payment options, uncovering patterns and preferences to refine future transactions. This data-driven insight empowers operators to make smarter decisions about their payment strategies, ultimately improving the player experience.

When it comes to security, Fluid doesn’t compromise. Its AI-driven fraud prevention system analyses transactions in real time, flagging suspicious activities before they escalate. This proactive approach safeguards both operators and players while ensuring legitimate transactions remain smooth and uninterrupted.

Fluid also simplifies the payment process with step-by-step guidance, reducing confusion and cutting down on support requests. This feature is particularly valuable for Malta's diverse player base, where language and cultural differences can sometimes create barriers.

For operators, Fluid’s API-first design ensures quick and easy integration. In a fast-paced market like Malta’s, where time-to-market is critical, this efficiency can make all the difference.

The platform supports a wide range of fiat and digital currencies, allowing players to pay in their preferred currency - whether traditional or digital. Its mobile and tablet-first design ensures smooth functionality across devices, a must-have as mobile gaming continues to dominate.

Fluid offers flexible subscription plans - Basic, Pro, and Enterprise - tailored to varying operational needs. Whether you’re looking for simple AI-powered solutions or advanced customisation with priority support, there’s a plan that fits your goals.

For Malta's iGaming operators, Fluid combines compliance, analytics, and cutting-edge technology to deliver a secure, seamless payment experience. It’s a solution designed to thrive in a regulated, player-focused market.

2. PayPal

PayPal is a well-known e-wallet solution in the iGaming industry, appreciated for its strong security measures and user-friendly experience. With an impressive 429 million active accounts and handling transactions worth €3 trillion, it adds a strong level of trust to online casino operations.

The platform's security system is built to safeguard sensitive financial data using advanced encryption and fraud prevention tools. Acting as a middleman between banks and casinos, PayPal ensures banking details remain private, offering users an added layer of protection.

Speed is another major benefit for operators in Malta. PayPal enables instant deposits and quicker withdrawals compared to traditional banking. For instance, casinos like Betway and LeoVegas process PayPal withdrawals within 24 hours.

Its global accessibility is a great fit for Malta's diverse international player base. In 2021, e-wallets such as PayPal made up around 27% of all online gambling payment methods worldwide. Additionally, 68% of consumers stated that using a trusted brand for payments was very important for online transactions. These factors highlight PayPal's appeal, despite the regulatory and operational hurdles it faces.

One of these challenges is that PayPal restricts gambling transactions in certain countries, such as the United States, and requires merchants in approved regions to use robust geolocation to block unauthorised transactions. Other limitations include withdrawal caps tied to deposit amounts and restrictions on funding gambling transactions with credit cards. Players must link a bank account to their PayPal wallet to work around these constraints.

Despite these restrictions, many established Maltese casinos have successfully integrated PayPal. For example, 888 Casino, which has been operating since 1997, supports PayPal for both deposits and withdrawals with dependable transaction processing. Similarly, Mr Green Casino allows PayPal transactions without any fees, typically completing withdrawals within 24 hours. These examples highlight PayPal's dependability within Malta's regulated iGaming market.

Operators must obtain regulatory approval from PayPal to process gambling transactions. While the platform's fraud prevention systems enhance security, they can occasionally delay legitimate transactions.

PayPal’s mobile-friendly design is a perfect match for Malta’s mobile-first gaming market, providing smooth functionality across various devices. It also offers customer support through multiple channels, including phone, email, and chatbot services, ensuring uninterrupted operations for casino operators.

3. Trustly

Trustly offers a straightforward way for players to link their bank accounts directly to online casinos, skipping the need for credit or debit cards. Originating from Sweden, this fintech company spans 29 territories worldwide and connects with over 6,000 banks. This makes it a practical choice for Malta's international iGaming audience.

One standout feature is Trustly's Pay N Play technology, which combines registration and deposit into a single step. This allows players to start gambling without the hassle of setting up a traditional casino account [23,24].

Beyond simplifying registration, Trustly is known for its speed. Deposits are instant, and withdrawals are processed quickly, eliminating the usual delays that frustrate players. John Parsons, Vice President of Gaming at Trustly, emphasises this advantage:

"It's very frustrating for a player to deposit money [on one site] and then have it [stuck] there for three to five days because of processing times".

This efficiency is a major asset in Malta's highly competitive iGaming market. For example, Hard Rock Digital adopted Trustly's pay-by-bank services in March 2025, showcasing its secure and fast transaction capabilities.

Security and compliance are at the core of Trustly's service. The platform uses bank-grade encryption and operates within the secure environment of users' banks, so casinos never handle sensitive financial data. Trustly is authorised by the Swedish Financial Supervisory Authority (Finansinspektionen) and employs multiple security layers to protect transactions.

For operators in Malta, Trustly's compliance features are particularly useful. Its Pay N Play technology delivers bank-verified KYC information during deposits, helping casinos meet Anti-Money Laundering requirements and other regulatory standards. In 2023 alone, Trustly processed over €51.8 billion in transactions globally, proving its capacity for large-scale operations [28,30].

The user experience is another strong point. Players can make transactions using their existing online banking credentials - no need for separate accounts or extra software. Its mobile-first design is especially convenient for Malta's significant mobile gaming audience.

Steven McAleer, Senior Director of Payments & Fraud at PointsBet, highlights the platform's dual benefits:

"At PointsBet, we take consistent measures to make sure we are providing the best experience possible for our players. Deposits and withdrawals via Trustly make sense for the player and us because they are simple, safe, and cost-effective".

Trustly also speeds up deposits by 60%, reduces failed transactions, and lowers fraud-related costs. Its Express product even uses biometric security to complete debit payments twice as fast [31,32].

With its strong presence in Europe and wide acceptance in major markets like the UK, Trustly offers seamless payment solutions tailored to the diverse player base served by Maltese operators. This European focus aligns perfectly with Malta's role in the global iGaming scene, making Trustly a strategic partner in the industry [22,23].

4. MuchBetter

MuchBetter is a digital wallet designed specifically with online gambling in mind, offering a mobile-first solution for casino payments. Since its launch in 2017, the platform has made waves in the iGaming industry, earning accolades like the Mobile Payment Solution of the Year at the 2019 SBC Awards. Its focus on security and user-friendly features has positioned it as a top choice for players and operators alike.

Operating in over 180 countries, MuchBetter supports services in 17 languages, making it a truly global payment solution. It is regulated by the UK Financial Conduct Authority (FCA), ensuring it meets strict financial standards. This level of oversight provides users with peace of mind, knowing their transactions are in safe hands.

Security is a key priority for MuchBetter, with features like device pairing, dynamic security codes, Touch ID authentication, and a dedicated financial review system. These measures are specifically designed to address the unique challenges of online casino transactions, offering a multi-layered approach to safeguarding users' funds.

The platform's mobile app, available on Google Play and the Apple App Store, allows users to authorise deposits and withdrawals using their phone number. Deposits are processed almost instantly, while withdrawals typically take between a few minutes and up to 1–3 business days.

When it comes to fees, MuchBetter keeps things straightforward. Bank transfers are free, while card and Bitcoin transactions come with small charges. The minimum deposit amount is set at €8.50. Additionally, the platform offers a rewards programme where users earn 1 point for every €8.50 spent, which can be used to enter weekly draws. Transfers between MuchBetter users are also free, adding another layer of convenience.

The platform’s reputation continues to grow. In March 2023, PokerStars integrated MuchBetter as a payment option, leading to a 15% increase in its usage within just three months.

Yi Zhao, Senior Marketing Manager at MuchBetter, highlights the platform’s commitment to the iGaming sector:

"MuchBetter offers a fast and secure digital wallet option for players to use with hundreds of gaming sites".

Teemu Hietala, Head of Sales at Casino Professor, also praises the platform:

"Over the past few years, we've noticed a huge increase in players choosing MuchBetter as their primary payment method... Partnering with them strengthens our ability to help players from around the world find suitable online casinos that accept MuchBetter payments so they can benefit from all their features".

For operators in Malta, MuchBetter’s mobile-first approach aligns perfectly with the growing trend of mobile gaming. Its gaming-specific encryption and compliance with FCA regulations make it a reliable and secure choice for regulated markets. With global availability and a focus on security, MuchBetter is a valuable addition to any payment strategy in Malta’s thriving iGaming sector.

Comparison Summary

When considering cashier solutions tailored for Malta-based online casinos, each platform offers its own set of strengths and challenges. Understanding these differences is key for operators aiming to align their payment systems with business goals and player preferences. The table below highlights these distinctions, providing a foundation for deeper analysis.

Key Observations

Fluid stands out with its advanced AI capabilities, including fraud detection and personalised user experiences. By eliminating generic iframes and integrating real-time analytics, it offers seamless brand alignment. Its mobile-first design fits perfectly with Malta's tech-savvy gaming audience, while its fast integration process reduces the burden on development teams.

PayPal is a globally trusted payment method, holding around 45% of the global payments market. Its reputation alone can instil confidence in players, though it lacks some of the iGaming-specific features offered by other platforms.

Trustly excels in speed, particularly for European markets. With pay-by-bank options enabling same-day settlements for 80% of transactions, it’s a favourite for operators focused on instant deposits and withdrawals. Its effectiveness is underscored by its adoption by Karamba, a mobile-first online casino, in 2021.

MuchBetter earns recognition for its strong regulatory compliance under FCA oversight. Its optimised mobile app ensures a smooth experience for players, making it an appealing choice for operators prioritising mobile usability.

Regulatory and Player Experience Considerations

For Malta-based operators, compliance with the Malta Gaming Authority (MGA) is critical. The MGA is one of Europe’s most respected gaming regulators, and casinos licensed under its authority are widely trusted. Each payment solution addresses compliance in its own way, such as Fluid’s AI-driven fraud prevention and MuchBetter’s adherence to FCA regulations, reflecting the stringent standards MGA imposes.

Fast payouts are a must in the iGaming world, as they directly impact player satisfaction and retention. Similarly, mobile usability has become a central focus. Operators must decide between offering native apps or optimised mobile sites, depending on their audience’s preferences.

Lastly, currency localisation plays a major role in enhancing the player experience. Research shows that 92% of customers prefer transactions in their local currency, making this an important factor for Malta-based operators targeting diverse European markets.

Final Recommendations

For online casino operators in Malta, choosing the right cashier solution is a balancing act between meeting MGA compliance standards, enhancing player experience, and maintaining operational efficiency. As Malta's iGaming sector plays a pivotal role in the economy, selecting the right payment infrastructure is critical to staying competitive in this thriving market.

Fluid stands out as a top contender for operators seeking a well-rounded iGaming payment solution. Its fast integration and multi-currency support, including the euro, make it an excellent fit for Malta's market. With a mobile-first design, Fluid aligns seamlessly with evolving consumer habits. In fact, 49% of global online transactions in 2022 were completed using digital wallets, a number projected to climb to 54% by 2026. This shift underscores the importance of modern payment methods over more traditional options like PayPal.

"The MGA is fully committed to ensuring that all MGA casinos are promoting responsible gambling and safeguarding the rights of players."

PayPal remains a trusted leader, offering unmatched player confidence and global recognition. As industry experts note, "PayPal is the gold standard for fast, secure, and hassle-free transactions". Its broad acceptance can significantly boost conversion rates, particularly among players who value familiarity and reliability in payment methods.

Trustly is a perfect fit for speed-focused operators, especially those targeting European markets where instant bank transfers are increasingly popular. Trustly addresses the growing demand for fast payouts, which are critical for player satisfaction and retention.

MuchBetter is ideal for mobile-first operators needing strong regulatory compliance under FCA oversight. With gaming-specific features and instant transfer capabilities, it caters to smartphone and tablet users, ensuring a seamless and secure experience.

Regulatory Considerations for Malta Operators

MGA-licensed casinos must adhere to strict regulations, covering licensing, player protection, anti-money laundering (AML) procedures, fair play, dispute resolution, and data protection. Selecting platforms with built-in compliance features is essential to avoid costly retroactive adjustments.

The Malta Gaming Authority (MGA) offers six distinct licence types for gambling operators, each with unique payment processing requirements. Operators should ensure their chosen platforms are licensed in the regions they target to avoid regulatory challenges. This is especially important as MGA casinos are widely regarded as some of the safest in the industry.

Practical Implementation Advice

Focusing on currency localisation, mobile optimisation, and fast transactions is key to enhancing player satisfaction. Research reveals that 92% of players prefer transactions in their local currency, while 79% of gamers favour instant payouts, which directly influence retention rates. Operators should prioritise solutions that support mobile payment options like Apple Pay, Google Pay, and Samsung Pay, which are increasingly popular among younger audiences.

Withdrawal processing times should also be evaluated carefully, and implementing biometric authentication can provide a dual benefit: it is 93% faster than traditional two-factor authentication and offers better security than passwords.

Diversifying payment providers can reduce reliance on a single solution. Operators in Malta could consider using Fluid as their primary cashier solution while also offering PayPal and Trustly as additional options. This approach maximises player choice and conversion rates while balancing compliance, speed, and trust - key factors for success in Malta's iGaming sector.

FAQs

What makes Fluid the ideal cashier solution for online casinos in Malta?

Fluid provides a customised solution for online casinos in Malta, focusing on strong security, smooth user experiences, and compliance with regulations. By leveraging AI-driven technology, Fluid ensures safe transactions and reduces fraud risks, creating a secure environment for both casino operators and players.

The platform is built to manage large transaction volumes with ease, making it an ideal choice for expanding online casinos. Its user-friendly payment system, including features like one-tap deposits, boosts player satisfaction and keeps them actively engaged. Furthermore, Fluid adheres to Malta's rigorous iGaming regulations, helping operators stay compliant while maintaining top-notch service quality.

How does Fluid comply with Malta's iGaming regulations while ensuring player safety?

Fluid adheres to Malta's iGaming regulations by employing cutting-edge security measures, including encryption and risk-based authentication, to protect player information and financial transactions. These efforts comply with the stringent requirements set by the Malta Gaming Authority (MGA), creating a secure and legally compliant framework for operators and players alike.

By focusing on safeguarding data and ensuring transaction security, Fluid builds trust with users, boosting their confidence in the reliability of online gaming platforms. This dedication to security and adherence to regulatory standards enables operators to provide a smooth and dependable gaming experience, aligning with the high standards of Malta's iGaming industry.

Why is a mobile-first design essential for cashier solutions in Malta's online gaming industry?

Why Mobile-First Design Matters for Cashier Solutions in Malta's iGaming Industry

In Malta's thriving online gaming scene, mobile-first design is no longer optional - it's a necessity. With about 70% of payments being made via smartphones or tablets, having a responsive and seamless interface is key. When players can complete transactions smoothly on their mobile devices, the chances of them abandoning the process drop significantly.

But it's not just about functionality. A well-designed, mobile-friendly payment system also contributes to player satisfaction and loyalty, two critical factors in Malta's highly competitive iGaming market. Players demand payment options that are fast, secure, and easy to use, and a thoughtfully optimised mobile experience ensures these expectations are met.

Related posts

• Common Payment Issues in iGaming: Solutions Guide

• Understanding User Behavior in iGaming Payments

• Payment Integration Best Practices for iGaming Sites

• How Regional Payment Habits Impact iGaming Conversions