One-Click Payments in iGaming: Increase Casino Revenues

Instant transactions are becoming one of the key growth drivers of the entertainment sector in 2025. They make interaction with digital platforms more convenient and safer. Most importantly, they increase the profitability of online gambling portals.

About the Concept

This technology enables customers to make instant transfers without having to re-enter their bank details each time.

The approach is based on the secure storage of financial information (tokenisation), which can then be reused to conduct transactions as promptly as possible. Thanks to this, players can replenish their accounts or buy in-game goods in a matter of seconds.

Operators experience growth in speed, conversion, and, as a result, increased profitability of entertainment projects.

One-click payment technology has become widespread in e-commerce and has begun to be successfully applied in other sectors of the economy:

• In 1999, Amazon patented the 1-Click Ordering program, marking the first such service in the online trading sector. Later, PayPal, Apple Pay, Google Pay, and other financial systems implemented similar solutions in their products.
• In 2017–2018, the tool began to be used in the iGaming vertical. This became possible due to the active integration of electronic wallets and payment SDKs into casino software.
• In 2022–2023, the technology became widespread. This was influenced by the popularisation of Web3 wallets (MetaMask, WalletConnect), as well as Apple Pay and Google Pay applications, along with APIs.

Main Types of One-Click Settlements

Let us consider services that support such transfers:

1. Electronic wallets. First, gamblers register a profile in the system and link a card to it, and then connect the wallet to the online casino. After this, the account can be replenished instantly and without entering extra details.
2. Instant Bank Payments. This is a tool for direct access to financial institutions through open APIs. With its help, entertainment sites can instantly initiate a transfer without displaying additional information. Players confirm the transaction via their online bank, and the money is deposited immediately.
3. Mobile wallets. These are Apple Pay, Google Pay, Samsung Pay, and other services for instant account replenishment from smartphones. During the first procedure, the card data is tokenised and then stored in a special cabinet. To confirm the transaction, clients simply need to verify their identities using Face ID, Touch ID, or a PIN code.
4. Crypto wallets and Web3. These are decentralised services, the access keys to which are only available to the owners. To pay in one click, simply approve the transaction in your wallet, and the funds are instantly credited to the recipient's account.
5. Tokenised payment cards (Visa/Mastercard). With 3D Secure 2.0 and card digitisation, people can save the code once and then use it again without entering data. The first transfer will always be confirmed (for example, via SMS or push authentication), after which the tokenisation will take place automatically. All subsequent transactions are instant.

Why One-Click Payments are Beneficial for Operators

Such solutions are a long-term trend in the iGaming industry. They not only improve the user experience and make transfers more secure, but also affect the profitability of online casinos.

Let us consider the main advantages of implementing this kind of transaction.

Growth of ARPU and Re-Deposits

One-click settlements significantly reduce “payment friction”, which affects:

• frequency and speed of operations;
• amount of funds attracted from players;
• number of repeated transactions.

Trustly research shows that its PayNPlay service contributes to the growth of online casinos’ conversion. The program’s installation increases the conversion rate to 98.8% and also speeds up the entrance to the entertainment site to less than 20 seconds.

Thanks to the addition of one-click payments, the indicator grows by an average of 30–40% compared to using regular credit and prepaid bank cards.

Decrease in the Number of Pending Transactions

Situations when gamblers started to pay, but did not complete the process for some reason (personal, technical, or organisational) are a common phenomenon in the industry. Such failed transfers are called abandoned deposits and are considered direct losses for entrepreneurs.

In systems with manual card data entry, the rate of unfinished operations reaches 20–25%, especially among beginning players. The introduction of one-click settlements reduces this figure to 6–9%.

Increased Duration of Sessions and Overall LTV

According to a report by Grand View Research, the introduction of one-click payments increases the LTV indicator by 15–20%, including due to the following aspects:

• an increase in the number of returns;
• deeper involvement;
• fewer failures.

Fast transfers do not interrupt the sessions, which is especially important in VR and live casino segments, as well as in gaming scenarios with high involvement and emotional triggers (for example, in tournaments).

Spinning traditional reels in slots also becomes more comfortable when it is possible to replenish an account and continue the round in a matter of seconds without losing the betting history.

Immense Popularity Among Players

Clients prefer one-click payments for several reasons:

1. Convenience and the lack of routine. Users do not need to enter card details, go through 3D Secure confirmation, repeatedly log in to the financial service, and perform other actions every time. It only takes one click in the system, and the deposit will be credited immediately.
2. Instantaneous speed. The average time for such a transaction is 3–5 seconds, including biometric identity verification (Face ID, Touch ID, fingerprint, or PIN). For comparison, a bank transfer takes 5–7 minutes.
3. Improved mobile experience. According to a study by Statista, 67% of all iGaming operations are made from personal gadgets. One-click payments fit perfectly into this concept. They require a minimum of effort and support native settlement methods (Apple Pay and Google Pay).
4. Security and privacy. The customer’s card is replaced with a unique token that is not stored in the online casino and cannot be reused on another website. Thanks to this, players feel safe, which is especially important when they make their first deposit.

Growing Confidence in Entertainment Brands

Today, people increasingly evaluate digital portals not only by bonuses, but also by their technical characteristics. Support for Apple Pay, Google Pay, Trustly, and other solutions indicates the modernity and high reliability of gambling resources, making them more understandable and attractive to a young audience.

A YouGov study shows that 42% of players consider the availability of fast and easy payments a key factor determining the business’s credibility.

Regulatory Framework

In 2025, one-click transactions are regulated under multi-level legislation that covers financial security, user identification, and data protection.

General Legal Provisions

Key aspects that entrepreneurs should take into account:

• PSD2. The EU’s second Payment Services Directive obliges providers to conduct Strong Customer Authentication. This is a two-factor verification of online transactions. Repeated transfers are allowed only after the initial SCA (via tokenisation or authorisation vault).
• GDPR. The regulation on the protection of personal and financial information obliges operators to avoid direct access to card details.
• 3D Secure 2.0. Most often, this method is used in conjunction with tokenisation (with Visa Token Service or Mastercard Digital Enablement Service). It is also mandatory for all such settlements in the EU and the UK, carried out in accordance with the requirements of PSD2.
• AML/KYC. This is a set of procedures aimed at verifying identity and combating money laundering. AML and KYC policies prohibit deposits from anonymous cards and wallets, obliging project owners to link all transfers to identified clients.

Requirements of Leading Jurisdictions

Let us consider what the most reliable regulators say about one-click payments:

1. United Kingdom. According to the UK Gambling Commission, vendors must add at least one way to instantly deposit and cash out funds. Customers can use PayPal, Trustly, Open Banking API, and other popular solutions in the market. From 2023, the maximum withdrawal time should not exceed 2 hours, but only for people with a fully confirmed identity.
2. Sweden. Spelinspektionen highlights BankID as the main method for KYC and authorisation of transfers. All information must be available in the user profile, and anonymous transactions (including using crypto wallets) are prohibited.
3. Netherlands. Kansspelautoriteit is one of the few regulators that actively slap fines on entrepreneurs for delayed payments or applying opaque ways to make deposits. The main payment option in the country is iDEAL, integrated into many banking applications. Credit cards are not allowed.
4. Germany. Local operators prefer SCA and instant transfer support (SEPA Instant or Giropay). Transactions must be carried out only through licensed PSPs, with identity verification and limits (up to €1,000 per month per player).

Thus, many jurisdictions are making open banking a payment standard and reducing the maximum time of transfer to several hours. They demand that casino owners comply with a fair and transparent financial policy.

The Main Things about One-Click Settlements

Key aspects that operators should take into account:

• The advantages of the tool include the growth of APRU indicators and the number of repeat deposits, a decrease in the quantity of pending transactions, an increase in the overall LTV, etc. Support for instant payments enhances the confidence in iGaming brands among players and B2B partners.
• The regulatory framework varies depending on the jurisdiction. In most European countries, the authorities require operators to implement fast and secure settlements, connect to national BankID services, and reduce the amount of time necessary to withdraw funds.

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