Brite vs Zimpler: Best Instant Refund Platforms for iGaming?

Fast withdrawals aren’t just a nice-to-have in iGaming, they’re a player’s expectation.

Whether it’s a £50 sportsbook payout or a five-figure casino win, delays at the refund stage can trigger drop-off, churn, and costly support queries.

To meet this demand, platforms are turning to instant refund systems built on Open Banking, enabling secure, real-time transfers without relying on cards or manual processing. (the quiet debate of Brite vs Zimpler usually starts here)

Among the most widely adopted names in Europe’s gaming ecosystem are Brite and Zimpler, both promising rapid payouts, but with different strengths under the hood.

• Brite leans toward lightweight integration and lower transaction costs across the EU.
• Zimpler prioritises regulatory coverage, KYC layers, and flexibility in high-risk verticals like gambling.

This blog compares the two side-by-side across payout speed, cost, coverage, compliance, and more, so you can choose the provider that best supports your refund experience in 2025.

TL;DR: Brite or Zimpler for Instant Refunds?

Platform	Best For	Refund Speed	Compliance Layer	Market Coverage	Cost Indicator*
Brite	EU operators prioritising low-cost, fast refunds	Instant (EU only)	Merchant handles KYC	Core EU markets (SE, FI, DE, NL, ES, etc.)	~0.8–1.2% + per refund
Zimpler	Regulated iGaming firms needing built-in KYC/AML	Instant (incl. Brazil)	KYC + AML embedded	Nordics, wider EU, new Brazil licence	~1.5–2.5% + risk tiering

Why Instant Refund Platforms Matter for iGaming Payouts

Players choose casinos that pay out fast and abandon those that don’t. Industry coverage shows that platforms offering instant refund platforms and open banking refunds enjoy measurably higher retention, because quick access to winnings builds trust and repeat play.

A recent roundup of “fast-withdrawal casinos” underscores the point: the headline benefit every site promoted was the ability to move money “within minutes instead of days.” In other words, igaming payouts are no longer just a back-office task; they’re a frontline feature that drives conversion and loyalty.

For operators, switching from card rails to an instant refund platform means:

1. Lower charge-back risk – bank-verified payouts are final.
2. Fewer support tickets – players can see funds land in real time.
3. Wider margin on small wins – bypassing card scheme fees keeps micro-withdrawals profitable.

📚 Faster Refunds & Withdrawals with Open banking

Brite Payments Refund Speed, Features & Market Fit

How fast are Brite refunds?

Brite’s proprietary Instant Payments Network (IPN) moves money bank-to-bank in real time; “instant refunds are included as standard,” and runs 24/7, 365 days a year. Tests in core EU markets show funds arrive in the player’s account within seconds of the merchant trigger.

Market coverage & licensing

• 24-plus EU / EEA countries, including Sweden, Finland, Germany, Spain, the Netherlands, Croatia, Romania, and Hungary.
• Operates as a licensed Payment Institution supervised by the Swedish FSA and passported under PSD2 for all EU/EEA markets, giving operators a fully regulated payout rail.
• No native instant payouts for UK accounts yet; merchants serving UK players route those withdrawals through their EU entities or alternative rails.

Cost snapshot

Brite prices refunds on a flat percentage plus a small per-transaction fee, negotiated per merchant. Industry benchmarks for account-to-account iGaming payouts put the rate around 0.8 – 1.2 % plus £0.10–£0.20, typically undercutting card scheme totals.(Exact quotes are contract-specific.)

Compliance & risk position

Brite handles Strong Customer Authentication via bank redirect, but leaves full KYC/AML to the operator. That keeps the integration lightweight and avoids duplicating checks that many gaming platforms already perform.

Where Brite fits best

If your player base is concentrated in the EU and you already run your own verification stack, Brite delivers the lowest-friction, lowest-cost open banking refunds. Its fast integration and sub-second bright payments refund speed make it a strong match for high-volume casino or sportsbook brands that measure experience in seconds and cents.

Zimpler for iGaming

Refund speed & flow

Zimpler’s Instant Payouts product moves funds from operator to player in seconds, any time of day. The payout screen prompts the player to pick a bank, authorise the transfer, and the money lands immediately no prior deposit required.

Market coverage & licensing

• Nordics and wider EU/EEA under a Swedish PSD2 licence.
• Brazil: certified as a Payment Institution in June 2025, giving operators a real-time rail into a booming new iGaming market.

Cost snapshot

Pricing is risk-tiered. Current benchmarks for high-risk igaming payouts sit around 1.5 – 2.5 % plus a small fixed fee per refund. Exact quotes depend on volume, jurisdiction, and fraud profile.

Built-in compliance layer

Zimpler embeds KYC and AML screening directly in the payout flow, reducing the need for separate verification tools. Players authenticate with bank-ID; Zimpler runs AML checks and returns a pass/fail to the operator in the same API response.

Where Zimpler fits best

Choose Zimpler when you need an instant refund platform that bundles identity checks ideal for regulated markets or new-market launches (Nordics, Germany, Brazil) where compliance overhead is high. It’s also useful if you want a single provider for both pay-ins and open banking refunds without building your own KYC stack.

Brite vs Zimpler Instant Refund Platform Comparison

Choosing the right instant refund platform is less about brand recognition and more about how each option fits your iGaming payouts workflow, compliance goals, and cost model. The table below puts the core facts side by side, so you can see at a glance where each provider leads.

Decision Factor	Brite	Zimpler
Refund speed	Instant refunds across supported EU banks (seconds)	Instant payouts with real-time settlement (seconds)
Compliance layer	SCA via bank redirect; operator manages KYC/AML	Bank-ID authentication with built-in KYC & AML screening
Market coverage	24 + EU/EEA countries (SE, FI, DE, NL, ES, etc.)	Nordics, wider EU, and Brazil licence (June 2025)
Cost indicator*	≈ 0.8 – 1.2 % + £0.10–£0.20 per refund	≈ 1.5 – 2.5 % + fixed fee per refund
Integration lift	Single API for deposits & refunds; BYO KYC stack	Unified API for deposits, refunds, and KYC
Edge markets	No native instant payouts to UK accounts yet	First EU provider with Brazil instant-pay licence

*Exact rates are negotiated per merchant; figures shown are industry benchmarks.

Which Instant Refund Platform Fits Your iGaming Payouts?

Choosing between Brite vs Zimpler comes down to three core trade-offs: cost, compliance depth, and market reach.

Operator Scenario	Best Pick	Why it Wins
EU sportsbook focused on razor-thin margins	Brite	Lowest benchmark fee on high-volume open banking refunds; light integration if you already manage KYC.
Multi-jurisdiction casino entering Brazil	Zimpler	Only option here with a live Brazil licence and built-in AML screening, reducing local compliance lift.
Niche skill-gaming site with in-house risk tools	Brite	Lets your team keep control of player checks while delivering sub-second igaming payouts.
New operator needing instant payouts and turnkey KYC	Zimpler	One API handles deposits, KYC, and refunds, cutting launch time in regulated markets.

Finexer: The UK-Focused Instant Refund Platform That Cuts Costs by up to 90%

For UK iGaming operators looking to offer fast player withdrawals without the high fees of EU-based providers, Finexer offers a smarter option. Built on Open Banking infrastructure with access to 99% of UK bank accounts, Finexer helps you move funds instantly while keeping every payout affordable.

Where others charge layered fees and require complex licensing, Finexer simplifies everything, making it easy to integrate, scale, and stay compliant.

Here’s why Finexer stands out:

✅ Save up to 90% on payout costs compared to traditional card-based refunds

✅ Live in days, not months: fast UK integration with clear developer docs

✅ No setup or cancellation fees: only pay when refunds are triggered

✅ Usage-based pricing: ideal for growing operators with unpredictable volumes

✅ White-label friendly: keep your brand front and centre in every refund flow

✅ FCA-authorised: meets UK compliance standards without extra overhead

✅ Built for iGaming operators: fast, compliant, and affordable from day one

If you’re scaling a sportsbook, casino, or skill gaming site in the UK and need instant payouts that don’t drain your margin, Finexer is the platform worth evaluating.