A rating here is not an opinion about a lobby. It is built from four recorded numbers, and each of them can be checked against the operator terms.

Usable credit

The prize currency credited free at signup. Gold Coins are recorded for context and scored at zero, because they cannot be redeemed under any circumstances.

Redemption floor

The minimum usable balance the operator requires before it will process a payout. Across this set it ranges from fifty to one hundred coins.

Clearance on free play

How many days of daily bonuses and promotional entries it took to move from the signup credit to the floor. No purchases, ever.

Filing to funds

Hours from submitting a redemption to money arriving. This is the figure most sites will not publish, and it is the one that decides listing order.

• Usable credit against the floor carries the most weight, because it decides whether a payout is realistically reachable
• Clearance time is weighted second, since it is the part players underestimate most
• Settlement speed is weighted third and separates otherwise identical operators
• Payment integrity is a gate, not a score: any refusal or partial payment would remove an operator from this site entirely

No operator on this site has been removed for that reason. All eighteen paid in full.