Paf review
paf.ee- Licence confirmed in register
- Permanent self-exclusion
- Live casino
- Licence
- Estonian Tax and Customs BoardVerified
- Operator
- Aktsiaselts PAFER (AS Pafer)
- ID check
- May be requiredfrom the terms
- Withdrawals
- Typically fastcasino says
- Crypto
- Not published
We found no current welcome offer with stated figures on the casino’s public pages. Bonus section
Verified available: Estonia, Latvia
Visit casino – opens Paf in a new tab18+ · T&Cs apply · Check that the casino accepts players from your country
Online casino licensed by the Estonian Tax and Customs Board; verified available in Estonia, Latvia.
- Verification pending 6/8 checks
Good to know
- Licence confirmed in the regulator’s register
- Deposit limits & self-exclusion
Watch out
- Fee amount not published
- ID verification (KYC) may be required
Key details
- Available markets
- Verified available: Estonia, Latvia register-verified; direct link withheld while advertising rules are reviewed Check your country
- Welcome bonus
- No verified offer no current offer we could read
- Min. deposit
- Not verified
- Min. withdrawal
- Not verified
- Payment methods
- Estonian bank links · Trustly · Visa / Mastercard · Skrill · Apple Pay · +1 more from the casino’s pages
- Withdrawals
- Typically fast casino says
“Not disclosed” = the casino publishes nothing on it. “Not verified” = we have not confirmed it. Offers and minimums are the casino’s statements.
Fact sheet
Risk statusNo material issue identifiedLicence confirmed; no finding above information level recorded.
- Licence
- Estonian Tax and Customs Board · Verified
- Operator
- Aktsiaselts PAFER (AS Pafer)
- Bonus
- No current offer
- Games
- Slots, Live casino, Table games, Poker
- Software providers
- Pragmatic Play, Evolution, Play’n GO, Playson, Relax Gaming +2
- Payment methods
- fiat methods
- Withdrawal limits
- Not disclosed
- Withdrawal times
- Typically fast (casino says)
- Pros
- Licence confirmed in the regulator’s register · Deposit limits & self-exclusion
- Cons
- Fee amount not published · ID verification (KYC) may be required
- Country availability
- Terms accept only: Estonia. Elsewhere: not confirmed as permitted
- Sources
- 23 documented
- Last checked
- 15 Oct 2026
“Not disclosed” = the casino does not publish it. “Not verified” = we have not confirmed it. Country lists describe what the terms say, not whether you may play.
More facts
- Licence
- Estonian Tax and Customs BoardVerifiedOperator: Aktsiaselts PAFER (AS Pafer)
- KYC
- May be requiredfrom the terms
- Crypto
- Not publishednot listed on the public pages we read
- Withdrawals
-
Casino saysTypically fastSmarter assessmentNot enough evidence for an independent assessment.
More details
- Operator
- Aktsiaselts PAFER (AS Pafer) VerifiedChecked by SmarterCasinos against the identified source below.Checked15 Oct 2026SourcesCasino termsPaf.ee – Kasutajatingimused / General Terms and Conditions…Our recordRegulator registerMaksu- ja Tolliamet (EMTA) – Seaduslike hasartmängukorraldajate…Our recordRegulator registerMajandustegevuse register (MTR) – Aktsiaselts PAFER, registrikood…Our record
- Last checked
- 15 Oct 2026
- Evidence
- 100% of our rubric what this means
Paf’s terms say it only accepts customers based in: Estonia. A country that is not on this list is not accepted. Local laws and the licence conditions still apply.
How we reviewed Paf
6/8 checks complete. We checked 8 areas against the casino’s own documents and public registers. Last checked 15 Oct 2026. We read and verify sources – we do not deposit, play or withdraw.
- Operator – complete
- Licence – complete
- Domain – complete
- Terms – complete
- Payments – complete
- KYC – complete
- Bonus – still open
- Countries – still open
Review at a glance
- SecurityTwo-factor login: not disclosed · mobile web/iOSDetails
- LicensingEstonian Tax and Customs Board · Verified · regulator tier BDetails
- Responsible gambling3 of 5 limit tools stated · self-exclusion up to permanentDetails
- Bonus conditionsNo verified offerDetails
- Payment analysis6 methods documented · fee not verifiedDetails
Score by category
- 80Gamesof 100
- 100Licensing & Transparencyof 100
- 85Payments & Withdrawalsof 100
- 53Bonuses & Promotionsof 100
- 100Usability & Supportof 100
Each ring is that category’s own 0–100 value from the published methodology; “–” means we have not verified it yet.
Pros & cons
Paf is an online casino at paf.ee, operated by Aktsiaselts PAFER (AS Pafer) (Estonia). Its Estonian Tax and Customs Board licence is confirmed in the regulator’s register for this domain. We checked 6 of 8 key areas against identified sources; last check 15 Oct 2026. Pros show how we know them; cons are documented facts worth weighing, not opinions.
Pros
- Licence confirmed in the regulator’s registerVerifiedChecked by SmarterCasinos against the identified source below.Checked15 Oct 2026SourcesRegulator registerMajandustegevuse register (MTR) – Aktsiaselts PAFER, registrikood…Our recordRegulator registerMaksu- ja Tolliamet (EMTA) – Seaduslike hasartmängukorraldajate…Our record
- Deposit limits & self-exclusionCasino saysThe casino’s own statement, recorded with its source. We have not independently confirmed it.Checked15 Oct 2026SourcesCasino pagePaf.ee – Play responsibly pageOur recordCasino pagePaf.ee – homepage (welcome offer, FAQ, footer)Our recordCasino termsPaf.ee – Kasutajatingimused / General Terms and Conditions…Our recordCasino pagePaf help centre (Zendesk API) – "Aastane kaotuse limiit (annual…Our recordCasino pagePaf help centre (Zendesk API) – "Soovin blokeerida mängukonto…Our recordCasino pagePaf help centre (Zendesk API) – "Limiidi ooteaeg (limit waiting…Our record
Cons
- Fee amount not publishedNot stated in the terms we read
- ID verification (KYC) may be requiredThe terms allow checks; no fixed thresholds published
Discovery attributes
- Licence confirmed in register
- Permanent self-exclusion
- Live casino
Factual labels derived from our data – not rankings.
Is Paf legit?
What we could confirm about who runs it and whether it holds a licence for this domain. A licence is a fact about registration – not a promise about the casino.
- Operator
- Aktsiaselts PAFER (AS Pafer) VerifiedChecked by SmarterCasinos against the identified source below.Checked15 Oct 2026SourcesCasino termsPaf.ee – Kasutajatingimused / General Terms and Conditions…Our recordRegulator registerMaksu- ja Tolliamet (EMTA) – Seaduslike hasartmängukorraldajate…Our recordRegulator registerMajandustegevuse register (MTR) – Aktsiaselts PAFER, registrikood…Our record
- Licence
- Estonian Tax and Customs Board · Confirmed in registry
- Licence no.
- HKT000002 (activity licence for games of chance, from 20.01.2010); operating permit HKL000490 (from 17.04.2025); toto HKT000005 / HKL000272
- This domain
- listed
Licence check in detail · Check another domain or licence number · How we rate regulators
Paf FAQ: licence, withdrawals and countries
Short answers, each backed by the sources on this page. Nothing here is a test result or a recommendation.
Is Paf legit?
Based on the documents we checked (last on 15 Oct 2026): its Estonian Tax and Customs Board licence is listed in the regulator’s register for paf.ee; the operator is Aktsiaselts PAFER (AS Pafer) (Estonia); our full terms review flagged no critical or serious clauses. Its Smarter Score is 85/100. “Legit” here means documented facts, not a guarantee – read the licence and terms sections before you deposit.
Is Paf licensed?
Paf states a licence from Estonian Tax and Customs Board. We found the licence and the exact domain paf.ee in the regulator’s register (checked 15 Oct 2026). A licence is a fact about registration, not a promise about the casino.
Who operates Paf?
Paf is operated by Aktsiaselts PAFER (AS Pafer) (Estonia), as named in the regulator’s register and the casino’s documents.
Does Paf require KYC (identity verification)?
It may be required at any time. Terms §2.1: the operator may request verification of identity, age or other information "for instance with copies of credit cards, photos, ID documents" at its sole discretion and throughout the customer relationship; refusal is a breach. §3.5: identity and ownership of payment methods may be checked at any time before a transfer; in suspicious cases checks may take up to six months with funds frozen. Persons in the national exclusion register HAMPI cannot register (§1). Payments only via accounts in the player's own name (§3.1, help centre).
How long do withdrawals take at Paf?
The casino itself says: “Deposits are fast and withdrawals are processed almost instantly.”. This is the casino’s statement (Typically fast), not something we measured.
Why is my Paf withdrawal pending?
We cannot see individual accounts. From the documents: the casino may ask for identity verification (KYC) at any time, which can hold a payout, and the casino describes its processing time as “Typically fast” (its own statement, not our measurement). Our guide on pending and rejected withdrawals explains the usual causes and next steps.
Can I set deposit limits at Paf?
Yes – Paf says it offers deposit limits, as well as loss limits, cooling-off and self-exclusion up to permanent. This is the casino’s own statement; we have not used the tools ourselves. Independent help and self-exclusion schemes are listed on our responsible gambling page.
Which countries can use Paf?
Paf’s terms say it only accepts customers based in: Estonia. A country that is not on that list is not accepted. We verified a local licence for Estonia and Latvia in the national regulator’s registers. Whether you can play depends on the casino’s terms and the law where you live; this is not legal advice.
What payment methods does Paf accept?
The casino lists 6 non-crypto methods: Estonian bank links (Swedbank, SEB, LHV, Luminor, Coop, Citadele) / bank transfer, Trustly, Visa / Mastercard, Skrill, Apple Pay, Revolut / Paysera / Wise; 4 of them documented for withdrawals (casino says; availability depends on your country).
Why does Paf have a Smarter Score of 85?
Only verified facts earn points. Paf earned 85 of 100 on our published rubric with evidence covering 100% of it. The breakdown by category is shown above; commission can never change it.
Good to know before you play
Documented points from the casino’s own terms and the registers we checked. Neutral and sourced, never a judgement of intent.
The casino welcome offer (100% bonus + 100 free spins) links to its conditions in a pop-up that could not be read, so the bonus maximum, wagering requirement and time limit are not recorded; withdrawals are blocked while a wagering bonus is active.
Paf.ee is for players residing in Estonia (21+ for casino games, 18+ for betting); every account has an automatic annual loss limit (EUR 1,800 to 15,000 depending on age).
In suspicious cases the terms allow checks of up to six months with the money frozen in the account, and funds left after an account is closed lapse after three years without contact.
Where sources disagree
'Maksevahendid': withdrawals only by bank transfer, Trustly and bank cardPaf help centre (Zendesk API) – "Maksevahendid (payment methods)" · 15 Oct 2026
'Skrill väljamaksed': Skrill withdrawals are almost instant once a Skrill deposit registered the methodPaf help centre (Zendesk API) – "Skrill väljamaksed" · 15 Oct 2026
Which countries can use Paf?
What the casino’s own terms say about countries, and the markets where we verified a local licence in the regulator’s register. Availability always depends on the casino’s terms and on the law where you live – this is not legal advice.
Accepted countries
VerifiedChecked by SmarterCasinos against the identified source below.Checked15 Oct 2026SourceCasino termsPaf.ee – Kasutajatingimused / General Terms and Conditions…Our recordPaf’s terms say it only accepts customers based in: Estonia. A country that is not on this list is not accepted, and the casino may change the list. This is what the terms state; it is not a statement that the casino is available to you.
Also named as prohibited Not verified yet
Not verified yet
A country that is not on the accepted list above is not accepted by the terms. See the restricted-country lists of all 39 casinos (open data, CSV/JSON).
Where we verified a local licence
Markets where the national regulator’s register lists Paf’s local site and that site serves players there:
- Estonia · Maksu- ja Tolliamet (EMTA, Estonian Tax and Customs Board) · paf.ee · checked 15 Oct 2026
- Latvia · Valsts ieņēmumu dienests (VID) – gambling supervision (formerly IAUI) · pafbet.lv · checked 15 Oct 2026
Licensed casinos by country · How casino country restrictions work
Trust & verification
- Operator
- Aktsiaselts PAFER (AS Pafer) Estonia
- Regulator
- Estonian Tax and Customs Board tier B · Confirmed in registry
- Evidence coverage
- 100% of the rubric
- Sources
- 23 documented fingerprinted receipts
- Last verification
- 15 Oct 2026 Pending · 6/8 checks
We read and verify documents and registers; we do not deposit, play or withdraw. Evidence coverage is shown separately from the score. Full record · Methodology
KYC & player protection
Identity checks (KYC)
Casino saysThe casino’s own statement, recorded with its source. We have not independently confirmed it.Checked15 Oct 2026SourcesCasino termsPaf.ee – Kasutajatingimused / General Terms and Conditions…Our recordCasino pagePaf help centre (Zendesk API) – "Makseid teise isiku kontolt…Our recordTerms §2.1: the operator may request verification of identity, age or other information "for instance with copies of credit cards, photos, ID documents" at its sole discretion and throughout the customer relationship; refusal is a breach. §3.5: identity and ownership of payment methods may be checked at any time before a transfer; in suspicious cases checks may take up to six months with funds frozen. Persons in the national exclusion register HAMPI cannot register (§1). Payments only via accounts in the player's own name (§3.1, help centre).
Thresholds: not published by the casino. We have not gone through KYC ourselves. KYC triggers and thresholds of all 39 casinos (open data).
Player protection
Casino saysThe casino’s own statement, recorded with its source. We have not independently confirmed it.Checked15 Oct 2026SourcesCasino pagePaf.ee – Play responsibly pageOur recordCasino pagePaf.ee – homepage (welcome offer, FAQ, footer)Our recordCasino termsPaf.ee – Kasutajatingimused / General Terms and Conditions…Our recordCasino pagePaf help centre (Zendesk API) – "Aastane kaotuse limiit (annual…Our recordCasino pagePaf help centre (Zendesk API) – "Soovin blokeerida mängukonto…Our recordCasino pagePaf help centre (Zendesk API) – "Limiidi ooteaeg (limit waiting…Our record- Deposit limits
- Offered
- Loss limits
- Offered
- Wager limits
- Not verified yet
- Session limits
- Not verified yet
- Cooling-off
- Offered
- Self-exclusion
- Up to permanent
- Two-factor login
- Not verified yet
As stated by the casino. Independent help · See the tools stated by all 39 casinos (open data, CSV/JSON).
What players report
Experiences and opinions of individual visitors – not findings made or verified by SmarterCasinos. Our own research is above.
No player reviews yet.
Be the first to share your experience.
Thank you. Your review is in the moderation queue and appears once it has been read.
Player reviews never change the Smarter Score. Averages appear from 5 reviews. How reviews are moderated
Mobile availability
- Web (browser)
- Yes Casino says
- iOS app
- Yes Casino says
- Android app
- No Casino says
Help centre: iOS app 'Paf Eesti' in the App Store; the Android app is not available because of Google Play rules. Checked 15 Oct 2026.
Reputation
Complaint research over 24 months, shown on its own and never part of the Smarter Score.
What we found Insufficient data
Not verified yet
No regulatory action against the operator found in the regulator’s published records.
User reports are signals, not proven facts. With limited data these numbers are a floor, not a total.
Documented regulatory measures across all 39 casinos (open data).
Sources
- Searched
- Regulator and public records
Reputation is shown separately and is not part of the Smarter Score. Platforms we could not access are a gap in our research – never a finding about the casino.
Bonus & deals
Welcome offer
Paf has no current offer we could read.
SmarterCasinos deal
No SmarterCasinos deal at the moment.
Bonus offers and SmarterCasinos deals are shown for comparison only – they never enter the Smarter Score. Offers change; the casino’s terms apply. 18+
Games
- Slots
- Live casino
- Table games
Also: · · · Poker
+1 more
Paf (in-house)Lists may differ in your country. Checked 15 Oct 2026.
Payment methods at Paf
Coins & networks 6 payment methods documented – no cryptocurrencies listed
All payment methods
| Asset | Network | Deposit | Withdrawal |
|---|---|---|---|
| Estonian bank links (Swedbank, SEB, LHV, Luminor, Coop, Citadele) / bank transfer | — | Yes | Yes |
| Trustly | — | Yes | Yes |
| Visa / Mastercard | — | Yes | Yes |
| Skrill | — | Yes | Yes |
| Apple Pay | — | Yes | Not documented |
| Revolut / Paysera / Wise | — | Yes | Not documented |
“Not documented” means the public pages we read do not say so – not that the method is unavailable.
Fees Not published by the casino
Not published by the casino
Paf withdrawals: time, limits & fees
What the casino says Casino says
Typically fast
Deposits are fast and withdrawals are processed almost instantly.
Marketing page. This is the casino’s statement; we have not measured it. Governing statement (marketing page) is "typical" – not a firm maximum. It does not count as a fixed maximum in the Smarter Score.
All 4 statements we recorded
- Typical time
Väljamaksed pangakontole pangalingi kaudu teostatakse väga kiiresti, mõne minuti jooksul. Väga harvadel juhtudel võib selleks kuluda 1 tööpäev.
Help centre · bank_transfer · arrival in your wallet · source · 15 Oct 2026 - Share of withdrawals
95 % väljamaksetest saadetakse pankadesse koheselt. Olukordades kus see polnud võimalik tuleb arvestada kuni 2 tööpäevaga enne kui makse jõuab Teieni. Suurte summade väljamaksed võivad turvaprotseduuride tõttu kauem aega võtta.
Help centre · bank_transfer · arrival in your wallet · source · 15 Oct 2026 - With exceptions
Väljamaksed VISA kaardiga on peaaegu kohesed, kuid sõltuvalt pangast võib kuluda paar tööpäeva. Raha väljavõtmine MasterCardiga võib võtta kuni 5 tööpäeva.
Help centre · card · arrival in your wallet · source · 15 Oct 2026 - Typical time
Deposits are fast and withdrawals are processed almost instantly.
Marketing page · source · 15 Oct 2026
When statements differ, binding terms rank above a payments table, the help centre and marketing pages; between equal documents the more cautious statement counts.
Withdrawal caps, instalment clauses and time statements of all 39 casinos (open data) · which “instant” withdrawal claims are binding.
Limits Not published by the casino
Not published by the casino
Rules before you withdraw
Casino saysThe casino’s own statement, recorded with its source. We have not independently confirmed it.Checked15 Oct 2026SourcesCasino termsPaf.ee – Kasutajatingimused / General Terms and Conditions…Our recordCasino pagePaf help centre (Zendesk API) – "Miks ei õnnestu väljamakset teha?"Our recordCasino pagePaf help centre (Zendesk API) – "Aktiivse käibeboonuse ajal (during…Our recordCasino pagePaf help centre (Zendesk API) – "Maksevahendid (payment methods)"Our recordWithdrawals only to a payment method in the player's own name registered by a prior deposit (§3.5, help centre); bonus money not wagered is not paid out; no withdrawals while a wagering bonus is active; funds can be held during checks (up to six months in suspicious cases).
Withdrawal pending or refused? What to do when a casino withdrawal is pending or rejected · Withdrawal limits of all 39 casinos
How we checked
Every fact above comes from an identified source with a date. The full record is here.
- ConfirmedOperator15 Oct 2026 · 3 sources
- ConfirmedLicence15 Oct 2026 · 2 sources
- ConfirmedDomain15 Oct 2026 · 1 source
- ConfirmedTerms15 Oct 2026 · 1 source
- Claim recordedPayments15 Oct 2026 · 2 sources
- Claim recordedKYC15 Oct 2026 · 2 sources
- Not yet checkedBonus15 Oct 2026 · 3 sources · Re-check due
- Not yet checkedCountries15 Oct 2026 · 1 source
6/8 checks complete · Pending · next re-check 29 Oct 2026. Verified means the process is complete – never that a casino is safe or recommended.
Score breakdown85/100 · Verified Coverage 100 %
- Earned from sources 85
- Documented finding 15.0
- Not published by casino 0.0
- Not verified yet 0.0
Paf scores 85 of 100. Every casino starts at the neutral 50; each fact we checked moves the score by its points minus half its maximum. We could check 100 of the points – the casino earned 85 of them, which moves the score from 50 to 85. The 0 points we could not check yet move nothing (neutral). Verified Coverage 100 %. 0 of the earned points rest on statements the casino makes about itself (responsible-gambling tools and resources, two-factor login, stated processing time) – they are marked “Casino says” and are not independently verified.
| Category | Weight | Earned from sources | Documented finding | Not published by casino | Not verified yet |
|---|---|---|---|---|---|
| Games | 25% | 20.0 | 5.0 | 0.0 | 0.0 |
| Licensing & Transparency | 25% | 25.0 | 0.0 | 0.0 | 0.0 |
| Payments & Withdrawals | 20% | 17.0 | 3.0 | 0.0 | 0.0 |
| Bonuses & Promotions | 15% | 8.0 | 7.0 | 0.0 | 0.0 |
| Usability & Support | 15% | 15.0 | 0.0 | 0.0 | 0.0 |
| Total (of 100) | 100% | 85.0 | 15.0 | 0.0 | 0.0 |
All 14 criteria and their points
| Criterion | Basis | Points by bucket | Points |
|---|---|---|---|
| Games · 25% | |||
| Game types | 5 game type(s): slots, live, table, jackpots, poker | 15 earned | 15/15 |
| Catalogue depth | 7 providers named | 5 earned 5 documented finding | 5/10 |
| Licensing & Transparency · 25% | |||
| Licence confirmed in a register | Spelinspektionen (tier A), Paf International p.l.c. – register-confirmed (licence review) | 15 earned | 15/15 |
| Operator identified | register: Aktsiaselts PAFER (AS Pafer) | 4 earned | 4/4 |
| Licence number published | licence number published | 2 earned | 2/2 |
| Regulatory record | regulator lists checked: no action recorded | 4 earned | 4/4 |
| Payments & Withdrawals · 20% | |||
| Payment methods | 6 payment method(s) named | 7 earned 3 documented finding | 7/10 |
| Withdrawal terms published | stated: Trustly: 95% of withdrawals sent instantly, otherwise up to 2 business | 5 earned | 5/5 |
| ID-check policy published | ID-check policy published | 5 earned | 5/5 |
| Bonuses & Promotions · 15% | |||
| Welcome offer documented | welcome offer documented with its source | 8 earned | 8/8 |
| Bonus terms | offer without published key terms | 7 documented finding | 0/7 |
| Usability & Support · 15% | |||
| Mobile | native app | 5 earned | 5/5 |
| Support channel | live chat | 5 earned | 5/5 |
| Responsible-gambling tools | 4 responsible-gambling tool(s) | 5 earned | 5/5 |
Only verified evidence earns points. Missing information is shown separately and is never presented as a confirmed problem. Bonus conditions count; the size of an offer, SmarterCasinos deals, commissions and complaint-platform data never enter this score. Methodology v4.1.
Verification record6/8 checks · Pending
Verified means the process is complete – not that the casino is safe.
| Check | Result | Detail | Evidence |
|---|---|---|---|
| OperatorLegal entity | Confirmed | Verified 15 Oct 2026 · Casino terms, Regulator register | |
| LicenceLicence in official registry | Confirmed | Verified 15 Oct 2026 · Regulator register | |
| DomainExact domain attributable to licence | Confirmed | Verified 15 Oct 2026 · Regulator register | |
| TermsFull T&Cs | Confirmed | Verified 15 Oct 2026 · Casino terms | |
| PaymentsMethods, limits, fees, stated times | Claim recorded | Unknown 15 Oct 2026 · Casino terms, Casino page | |
| KYCPublished KYC policy | Claim recorded | Casino says 15 Oct 2026 · Casino terms, Casino page | |
| BonusBonus T&Cs | Not yet checked | Not verified yet | 15 Oct 2026 · Casino page |
| CountriesRestricted country list | Not yet checked | Not verified yet | 15 Oct 2026 · Casino terms |
- Who operates itVerifiedChecked by SmarterCasinos against the identified source below.Checked15 Oct 2026SourcesCasino termsPaf.ee – Kasutajatingimused / General Terms and Conditions…Our recordRegulator registerMaksu- ja Tolliamet (EMTA) – Seaduslike hasartmängukorraldajate…Our recordRegulator registerMajandustegevuse register (MTR) – Aktsiaselts PAFER, registrikood…Our record
- Aktsiaselts PAFER (AS Pafer)Reg. no. 10017059 (Estonian commercial register) · Estonia
- LicenceVerifiedChecked by SmarterCasinos against the identified source below.Checked15 Oct 2026SourcesRegulator registerMajandustegevuse register (MTR) – Aktsiaselts PAFER, registrikood…Our recordRegulator registerMaksu- ja Tolliamet (EMTA) – Seaduslike hasartmängukorraldajate…Our record
- Estonian Tax and Customs Board · HKT000002 (activity licence for games of chance, from 20.01.2010); operating permit HKL000490 (from 17.04.2025); toto HKT000005 / HKL000272Confirmed in registry · regulator tier B
- Domain reviewedVerifiedChecked by SmarterCasinos against the identified source below.Checked15 Oct 2026SourceRegulator registerMaksu- ja Tolliamet (EMTA) – Seaduslike hasartmängukorraldajate…Our record
- paf.eeLicence listing: domain listed
- Binding termsVerifiedChecked by SmarterCasinos against the identified source below.Checked15 Oct 2026SourceCasino termsPaf.ee – Kasutajatingimused / General Terms and Conditions…Our record
- Versioon 1.5 (publication date blank)Read in full and reviewed for risky clauses
Not verified yet
- Launch date / operating historyNot verified yetNot researched as a launch date. The MTR shows activity licence HKT000002 valid from 20.01.2010 (operating history of the Estonian licence, not of the site).
- Restricted countriesNot verified yet – research in progress
- Withdrawal limitsNot published by the casinoNo per-transaction, daily or monthly withdrawal maximum is published in the terms or the payment articles read; only a EUR 10 minimum.
- Withdrawal feesNot published by the casinoTerms §3.2: the player bears bank charges and agrees to transaction and service fees "in accordance with the price list in force at the time"; no price list or fee amounts were found on the pages read.
- KYC thresholdsNot published by the casinoNo monetary or event trigger for document checks is published; verification may be requested at any time.
- Welcome-offer termsNot verified yet – research in progress
- Two-factor authenticationNot published by the casinoNo two-factor authentication is mentioned in the terms or help articles read.
- Complaint researchNot verified yetComplaint platforms not researched in this run (time box).
Licence checkConfirmed in registry
Register finding
VerifiedChecked by SmarterCasinos against the identified source below.Checked15 Oct 2026SourcesRegulator registerMajandustegevuse register (MTR) – Aktsiaselts PAFER, registrikood…Our recordRegulator registerMaksu- ja Tolliamet (EMTA) – Seaduslike hasartmängukorraldajate…Our record- Regulator
- Estonian Tax and Customs Board (EMTA)
- Licence no.
- HKT000002 (activity licence for games of chance, from 20.01.2010); operating permit HKL000490 (from 17.04.2025); toto HKT000005 / HKL000272
- Holder
- Aktsiaselts PAFER
- Result
- Confirmed in registry
- Domain
- listed
Research notes
See the register check for all 39 casinos (open data, CSV/JSON) · Look up paf.ee in the licence checker · what public licence registers show and don’t.
Regulator tier Tier B
The tier rates the regulatory framework – how verifiable, enforced and transparent it is – not the casino. Estonian Tax and Customs Board scores 75/100 on our regulator framework.
- Licenses the Estonian market; crypto only via EEA-licensed crypto providers since 2026
Terms review0 flagged · 5 other observations
No clause from our controlled list of risky terms was found.
See the flagged clauses of all 39 casinos (open data, CSV/JSON).
5 non-scoring observations from the full terms review
- investigation hold · §3.5 "In case of suspicious behaviour, the check and verification may take up to – Funds can be frozen during checks for up to six months in suspicious cases; the funds stay in the account (no confiscation of verified balances).
- confiscation forfeiture · §12/§13 "If the Gaming Customer does not contact the Operator within three (3) y – After an account is closed, remaining funds lapse if the player does not get in touch within three years. Not a fee on active accounts.
- account closure · §13: restrictions, locking or ending the relationship "without prior notice" in – Closure for listed reasons including 23 months without login (not under 12 months); return route for balances stated.
- operator discretion · §11: game rules may be amended "without prior notice"; an Agreement term that in – Adverse changes to the agreement are notified in advance; game-rule changes are published on the site (not flagged as unilateral change without notice).
- other · §3.10: complaints in writing within 30 days of detection; response within 30 day – 30-day complaint window, 30-day response, escalation to EMTA.
All facts (Top 100 factsheet)the same A–I fields for all 100 brands
Every fact we hold on Paf in the one Top 100 data model – with status, source and check date: Paf factsheet.
Sources & evidence23 sources, fingerprinted
Casino termsPaf.ee – Kasutajatingimused / General Terms and Conditions…www.paf.ee/terms15 Oct 2026
Open original sourceReceipt captured 2026-10-15 22:35 UTC · HTTP 200sha256 7c5ea0a67913e92db30495d290728846a2ce8cb9a0ad60274a1a69f64de24df6Casino pagePaf.ee – homepage (welcome offer, FAQ, footer)www.paf.ee/15 Oct 2026
Open original sourceReceipt captured 2026-10-15 22:35 UTC · HTTP 200sha256 5673b83b7f12fb81f29c50151d92119ea4091acdea0c0b67cf7ab49d130402fbCasino pagePaf.ee – Pakkumised (promotions page)www.paf.ee/pakkumised15 Oct 2026
Open original sourceReceipt captured 2026-10-15 22:35 UTC · HTTP 200sha256 1e9cf84aca0a38e08644c50b691fe212d46c4f797626422e6df0da15ce7c4804Casino pagePaf.ee – welcome offer terms dialog (rendered page; the terms text…www.paf.ee/?flowType=bonusTerms&id=ef43fdb9-f613-44d4-bb59-9e035c374b6f15 Oct 2026
Open original sourceReceipt captured 2026-10-15 22:36 UTC · HTTP 200sha256 37c0c309e8664f261efa361929d3ab2bbc482f42aacdc0229b1617669259036dCasino pagePaf.ee – Play responsibly pagewww.paf.ee/play-responsibly15 Oct 2026
Open original sourceReceipt captured 2026-10-15 22:35 UTC · HTTP 200sha256 c812e53b7599d39d91174d84d4c03c95dded4b7b0c08eb4661adc7b2629f7a72Casino pagePaf group corporate site aboutpaf.comaboutpaf.com/15 Oct 2026
Open original sourceReceipt captured 2026-10-15 22:36 UTC · HTTP 200sha256 c96e8758e366a59a5b56fbf2a0d26bda2995d182de3780359da37058efff9e10Regulator registerMaksu- ja Tolliamet (EMTA) – Seaduslike hasartmängukorraldajate…emta.ee/ariklient/registreerimine-ettevotlus/hasartmangukorraldajale/seaduslike-hasartmangukorraldajate15 Oct 2026
Open original sourceReceipt captured 2026-10-15 22:35 UTC · HTTP 200sha256 a0e70b035d35c81c8540691f338ac0f3193b7b74e158e399652b1f9fef424592Regulator registerMajandustegevuse register (MTR) – Aktsiaselts PAFER, registrikood…mtr.ttja.ee/juriidiline_isik/8361215 Oct 2026
Open original sourceReceipt captured 2026-10-15 22:37 UTC · HTTP 200sha256 f94632ee52fe131bb1b9a922594ae44ee55619816e9131224f777bf516d0735cCasino pagePaf help centre article page (Cloudflare challenge, not bypassed)support.paf.ee/hc/et/articles/1272070274230015 Oct 2026
Open original sourceReceipt captured 2026-10-15 22:36 UTC · access blocked (bot challenge / captcha)sha256 b3cf2d3542804c01bd774c3ff67942858a7925e40616edaa79c25600dda02f31Casino pagePaf help centre (Zendesk API) – "Maksevahendid (payment methods)"support.paf.ee/api/v2/help_center/et/articles/12720702742300.json15 Oct 2026
Open original sourceReceipt captured 2026-10-15 22:36 UTC · HTTP 200sha256 6ed1d3e100ea252bf5f1aac478c0638ba5cb7afaefa4a2154a5155d7ddd85fc2Casino pagePaf help centre (Zendesk API) – "Minimaalne maksete summa (minimum…support.paf.ee/api/v2/help_center/et/articles/16698145051804.json15 Oct 2026
Open original sourceReceipt captured 2026-10-15 22:36 UTC · HTTP 200sha256 e0c0cafe80dec9cba922a2bb8a9309b9e0d629cb419fb01b346528731c61c3fbCasino pagePaf help centre (Zendesk API) – "Väljamaksed pangakontole (pangalink)"support.paf.ee/api/v2/help_center/et/articles/14733069615516.json15 Oct 2026
Open original sourceReceipt captured 2026-10-15 22:36 UTC · HTTP 200sha256 1e369708adf959bf4687e84320d1e0259b443b032ed45d84c44df5ea5ca61debCasino pagePaf help centre (Zendesk API) – "Väljamaksed pangakontole (Trustly)"support.paf.ee/api/v2/help_center/et/articles/12720869100700.json15 Oct 2026
Open original sourceReceipt captured 2026-10-15 22:36 UTC · HTTP 200sha256 f663ac567d589f31e41efee54ffc1c6b5a9cf2b4aecb40ffa87efae0990c8974Casino pagePaf help centre (Zendesk API) – "Väljamaksed pangakaardile (cards)"support.paf.ee/api/v2/help_center/et/articles/12720882570780.json15 Oct 2026
Open original sourceReceipt captured 2026-10-15 22:36 UTC · HTTP 200sha256 9447f63ccd4bccfec372aefbf94d3270c63348940c1ae9d5411bc20394407434Casino pagePaf help centre (Zendesk API) – "Skrill väljamaksed"support.paf.ee/api/v2/help_center/et/articles/12720904218908.json15 Oct 2026
Open original sourceReceipt captured 2026-10-15 22:36 UTC · HTTP 200sha256 062df2529518468cd9a49918f389198771f1eb89f47cb609fa05f5f4bc203b7eCasino pagePaf help centre (Zendesk API) – "Miks ei õnnestu väljamakset teha?"support.paf.ee/api/v2/help_center/et/articles/14543989278236.json15 Oct 2026
Open original sourceReceipt captured 2026-10-15 22:36 UTC · HTTP 200sha256 4fbade9f719f5f7bb7865cb098a90592f4bdba6b2c02a32ef8f178077bdb9855Casino pagePaf help centre (Zendesk API) – "Aastane kaotuse limiit (annual…support.paf.ee/api/v2/help_center/et/articles/12754045016860.json15 Oct 2026
Open original sourceReceipt captured 2026-10-15 22:36 UTC · HTTP 200sha256 9ce6605f852c3b4afd5a280d9699b81253b83f89f56ed62ca329187acde81979Casino pagePaf help centre (Zendesk API) – "Soovin blokeerida mängukonto…support.paf.ee/api/v2/help_center/et/articles/12754086268444.json15 Oct 2026
Open original sourceReceipt captured 2026-10-15 22:36 UTC · HTTP 200sha256 214eb8924492e580418d90e96ebbd85f58b1a593bf2bddbddc7679b33da1f4efCasino pagePaf help centre (Zendesk API) – "Kuidas saan oma konto sulgeda?…support.paf.ee/api/v2/help_center/et/articles/12720377020828.json15 Oct 2026
Open original sourceReceipt captured 2026-10-15 22:36 UTC · HTTP 200sha256 d6f8a222775cc0ec9b8f9210fda77ee349d1d0c542d69672823bcdb271272317Casino pagePaf help centre (Zendesk API) – "Mobiilirakendus (mobile app)"support.paf.ee/api/v2/help_center/et/articles/28731651722012.json15 Oct 2026
Open original sourceReceipt captured 2026-10-15 22:36 UTC · HTTP 200sha256 8486dca5873a927e40ece333fbf9059881c04068109ca858f003126a8a35579dCasino pagePaf help centre (Zendesk API) – "Aktiivse käibeboonuse ajal (during…support.paf.ee/api/v2/help_center/et/articles/12754932440092.json15 Oct 2026
Open original sourceReceipt captured 2026-10-15 22:36 UTC · HTTP 200sha256 e55d6c1e2880c39b395d2f6e191a52f0b26c88d1d64d2869d3a955ba17ba9309Casino pagePaf help centre (Zendesk API) – "Makseid teise isiku kontolt…support.paf.ee/api/v2/help_center/et/articles/12949998191772.json15 Oct 2026
Open original sourceReceipt captured 2026-10-15 22:36 UTC · HTTP 200sha256 9722dc021567595ed0dd83545d146749ea0de1495e9342a499123424101037e1Casino pagePaf help centre (Zendesk API) – "Limiidi ooteaeg (limit waiting…support.paf.ee/api/v2/help_center/et/articles/12754106914332.json15 Oct 2026
Open original sourceReceipt captured 2026-10-15 22:36 UTC · HTTP 200sha256 d347200cd0b26c77cd9f4b1705b1f194426fe2b6fbe897e11cb047c52ab10265
Review history2 entries
- First reviewed
- 15 Oct 2026
- Last verification pass
- None recorded
- Last evidence update
- 15 Oct 2026
- Score changes
- No earlier score recorded – the current score is its first
No licence, operator or terms changes recorded since the first review.
- Research record updated.
- Research record updated.
SmarterCasinos currently has no commercial relationship with Paf and does not link to its sign-up pages. 18+. How we make money · Responsible gambling
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SmarterCasinos Top 100 · rank 56 fixed original order of widely used brands – not a quality rating (how the list was made)