Midnite, a UK-based sports betting and iGaming operator, has launched TrueLayer's Pay by Bank service, allowing customers to deposit and withdraw funds directly from their bank accounts. The integration replaces card-based payment flows with an account-to-account (A2A) method built for mobile use.
Instant transfers and biometric authentication
Founded in 2018, Midnite operates a mobile-first betting and iGaming platform in the UK market. Pay by Bank allows consumers to authorise transactions directly from their bank account using Open Banking infrastructure, without routing payments through card networks.
With the service now live, Midnite players can complete deposits and withdrawals without entering card details. Transactions are authenticated directly with the player's bank, using biometric verification and real-time payment confirmation. The flow is structured as an app-to-app process, designed to allow a transaction to be completed in a small number of steps on a mobile device.
Payments as a factor in player experience
According to Midnite, deposits and withdrawals are among the points at which players evaluate an operator most directly, and where delays or additional steps can affect their experience. The company stated that early adoption of Pay by Bank has been strong, a result it attributed in part to combining its existing user interface with TrueLayer's network, which spans 27 million users across the UK and Europe.
For payment providers, iGaming is a sector where transaction speed and reliability carry particular weight, given player expectations for near-instant processing of funds and operators' requirements for certainty over transaction status. A2A payment methods, which settle without card intermediaries, are positioned by providers such as TrueLayer as a way to meet these requirements while reducing dependency on card infrastructure.
Christian Huynh, Lead Product Manager, said the operator's objective was to ensure its payment processes matched the pace of the rest of its platform, adding that players expect funds to move in and out quickly and securely. Roberto Villani, VP of iGaming, said iGaming was a sector in which payment infrastructure is tested closely by user demand for speed, alongside operator requirements for transaction certainty, and noted that Pay by Bank had been developed with those conditions in mind.
The partnership adds to a broader pattern of sports betting and iGaming operators adopting Open Banking-based payment methods alongside, or in place of, traditional card payments, as providers position A2A infrastructure for sectors with high transaction frequency and strict timing requirements around deposits and withdrawals.
