Skip to content
LSM99

Markets

United Kingdom

Sweden

Australia

Netherlands

France

Ireland

Denmark

Thailand

Portugal

Niels Zijp, Payments & Withdrawals Tester
LinkedIn How we review All authors

Payments & Withdrawals Tester

Niels Zijp

Niels Zijp tests the cashier. At LSM99 he is the Payments and Withdrawals Tester, a role he has held since 2024, which means he runs money through an operator and times what happens: how long a deposit takes to credit, how long a verified withdrawal actually takes to land. He owns the payments sections of our reviews and the comparison pages that sit alongside them. When this site quotes a payout window, that figure came off his stopwatch. It is a measured number, not a promise repeated from a help page.

Show moreShow less
  • Payments
  • Withdrawal speed
  • KYC at cashier
  • Local rails
18
Pages written
13
Pages fact-checked
2024
At LSM99 since

About Niels Zijp

The method is deliberately dull. He deposits with each method an operator supports and records the moment the balance moves. He requests a withdrawal, writes down the timestamp, then writes down a second timestamp when the money is in the account it was sent to. Those two figures are the whole test. He repeats the run per method, because a single fast payout proves nothing and one slow weekend proves nothing either. He also separates the operator's internal approval from arrival. A cashier that marks a request approved has told you about its own queue, not about your bank.

He pays close attention to the pending or reversal window, the period in which a requested withdrawal can be pulled back into the balance. A long one is a design choice. It sits there while a player waits, and it invites them to cancel and play the money back. He logs it separately from processing time so readers can see which part of the wait belongs to the bank and which part belongs to the operator. Verification gets the same treatment. Documents asked for at signup are ordinary. Documents asked for only once a cashout is requested are a different thing, and he records when that request arrives.

Payment rails are local, so he tests them market by market. iDEAL and Trustly behave differently from MobilePay, PayID and PromptPay, and a card withdrawal in one market is not a card withdrawal in another. Across the UK, Sweden, Australia, the Netherlands, France, Ireland, Denmark and Thailand he checks what is genuinely offered rather than what is listed, including Visa, Mastercard, Skrill, Neteller, Paysafecard and crypto. What he measures then feeds the payouts section, one of the six weighted sections in our score, alongside licensing and safety, bonus fairness, game range, support and mobile.

How Niels times a payout

The test is a stopwatch and a notebook, applied the same way at every operator so the numbers can be compared rather than admired. Each step below exists to remove a variable: the method used, the hour of the request, the part of the wait being measured, and the chance that one unusually good run becomes the figure a reader relies on.

  1. 1

    Deposit on every method

    He funds an account with each method the operator supports in that market and times how long the balance takes to move. A method that credits instantly on card but stalls on a bank transfer is worth knowing about before you commit. He also notes which methods the cashier accepts for deposits but quietly declines to offer back at withdrawal, because that mismatch decides how you get paid.

  2. 2

    Request at a fixed hour

    Withdrawal requests go in at a set time of day, and he notes the day of the week. Payout speed is not constant across a calendar: a request made on a Friday evening travels through a different queue than one made on a Tuesday morning. Holding the hour steady across operators is what makes one review's figure comparable with another's rather than an anecdote.

  3. 3

    Log pending separately

    The clock is split in two. One figure covers the pending or reversal window, the stretch where the operator still holds the request and a player can cancel it. The other covers processing, from approval to arrival in the receiving account. Reported as a single lump, a slow internal queue hides behind a fast bank. Reported separately, you can see which one is costing you the wait.

  4. 4

    Repeat before publishing

    No figure is published off one run. He repeats the withdrawal on the same method until the pattern is stable, then quotes the range he actually saw rather than the best result in it. One quick payout can be a quiet night in an approvals queue. If repeat runs disagree sharply, that inconsistency is itself the finding, and he writes it up that way on the payment and comparison pages.

Where cashiers go wrong

Most payout complaints are not about a bank being slow. They are about a rule the player could not see until their money was already requested. These are the four patterns that pull an operator's payouts score down, and each one is checked directly rather than read off a terms page and taken on trust.

  • Verification sprung at cashout

    Identity checks are a licence condition and nobody sensible objects to them. What gets marked down is the timing. An operator that accepts deposits for weeks and only asks for documents once a withdrawal is requested has chosen to put the friction where it hurts most, and the wait it creates is not a banking delay.

  • Pending windows in days

    A reversal window measured in days is a design decision, not a technical limit. It keeps a player's own money visible and cancellable while they wait, which is precisely the moment they are most likely to play it back. Short pending windows, or an option to lock a request so it cannot be reversed, count in an operator's favour.

  • One way in, another out

    Deposits are accepted on a long list of methods and withdrawals are offered on a short one. A player who paid in through a local rail and is told to take payment back by slow bank transfer has been handed a delay they did not agree to. He checks the withdrawal list against the deposit list on every review.

  • Fees hidden in the cashier

    Minimum withdrawal amounts, per-transaction fees and monthly limits belong where a player can read them before depositing. When those figures appear only on the cashier screen after a request is started, or differ from the published terms, that gap is reported plainly and the payouts score reflects it.

Written by Niels Zijp

Fact-checked by Niels Zijp