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Paf
Paf is Ålands Penningautomatförening, a gaming association on Åland founded in 1966 to raise money for society. It runs paf.es in Spain under DGOJ licenses held by Paf Games S.A. since March 2026, paf.ee in Estonia through AS Pafer, and pafbet.lv in Latvia through SIA PAF Latvija.
Is Paf Licensed?
Åland. The Government of Åland (Ålands landskapsregering) licensed Ålands Penningautomatförening (Paf) on December 21, 2016 to offer games and lotteries online, from January 1, 2017 to December 31, 2026. On January 31, 2024 the government raised the maximum stake on table games from €500 to €1,000 per game and left the other conditions unchanged. The government, not the former Lotteriinspektionen, has supervised lotteries since January 1, 2024 (2024 decision).
Spain. The Dirección General de Ordenación del Juego (DGOJ) licenses Paf Games, S.A. for paf.es, pinatacasino.es, goldenbull.es and speedybet.es. It holds general licenses for betting and for other games, and singular licenses that include fixed-odds sports betting, roulette, blackjack and slot games. The DGOJ approved the transfer of these licenses from Paf International PLC to Paf Games, S.A. on March 24, 2026, and the two general licenses run until June 1, 2032 (DGOJ operator page).
Estonia. The Estonian Tax and Customs Board (EMTA) lists Aktsiaselts PAFER, trading as Paf, as a lawful operator of online games of chance and toto at paf.ee, x3000.ee and speedybet.ee, and of games of chance on ships (EMTA list).
Latvia. SIA "PAF Latvija" (registration 40203073973) holds Latvian license E-02 for pafbet.lv and pafcasino.lv (State Revenue Service list of licensed gambling organizers).
Who Runs Paf
Paf is Ålands Penningautomatförening, based at Lövdalsvägen 8, Mariehamn, Åland. It was founded on October 31, 1966 and began licensed gaming on January 1, 1967. Its founders included the Red Cross and Save the Children, and its stated purpose is to raise funds for the benefit of society. Paf has about 300 employees.
Paf has held the sole right to run gaming on Åland-registered car ferries since 1973. Its group also includes Paf Games Studio, its in-house game developer.
In Spain the operator is Paf Games S.A. (registration A22921639), with a registered address in Ceuta, and by February 2026 the Paf group had opened an office there with 12 staff. In Estonia the operator is AS Pafer (registration 10017059) of Tallinn.
Paf also runs a Finnish-language site at paf.fi. Finland opened license applications from March 1, 2026, with a licensed market due to open on July 1, 2027, and Paf is joining the Finnish industry body Rahapeliala ry ahead of that system.
What You Can Bet On
Paf.es offers sports betting on soccer, basketball, tennis and other sports, with a bet builder and pre-built combinations. It also has slots, roulette, blackjack, crash games, video poker, video bingo and a live casino with real dealers. Paf.fi adds bingo, Playtech poker, fantasy sports and jackpot pools, with betting markets that include ice hockey and esports. Paf.ee covers casino, sports betting, live casino, bingo, poker and video poker.
How to Bet
You can bet at paf.es, paf.ee and paf.fi, and the Paf app is available for iOS and Android.
Who Can Open an Account
In Spain you must be a natural person aged 18 or over, and you may hold only one account. Paf may ask for identity documents, photos or a copy of a payment card at any time, and may check your details with third parties. People on Spain's self-exclusion register have their accounts suspended automatically. Paf doesn't accept customers from some countries, including the United States, Russia and Turkey.
In Estonia the minimum age is 21, or 18 for sports betting, and you must confirm you're in Estonia.
Payments
Paf.es takes Bizum, Visa, Mastercard, PayPal, Skrill and Paysafecard. Paf.ee takes Visa, Mastercard, Trustly, Skrill, Apple Pay, Revolut and the banks Swedbank, SEB, Citadele, Coop Pank, Luminor and LHV.
Responsible Gambling
Paf.es sets default deposit limits of €600 a day, €1,500 a week and €3,000 a month, and you can lower them. It also offers personal limits, self-exclusion, a mandatory annual loss limit, a self-test and tools for parents. Spanish players can call the responsible gambling line on +34 900 533 025 or join Spain's national self-exclusion register (RGIAJ), which the DGOJ runs.
Paf has cut its mandatory annual loss limit for customers aged 25 and over from €16,000 to €15,000, with lower limits for younger players. On paf.fi you can take a break of one day to six months, and a system called Paf Radar reviews each player's risk level daily. In Estonia you can self-exclude through EMTA's e-MTA service.
Sources
- Government of Åland, decision protocol nr 6/2024 on Paf's license (January 31, 2024)
- DGOJ, licensed operator page: Paf Games, S.A.
- Estonian Tax and Customs Board (EMTA), List of lawful gambling operators
- Paf, About Paf (company site)
- Paf Spain, Terms of use (paf.es)
- Paf Spain, home page (paf.es)
- Paf Spain, Safer gaming (paf.es)
- DGOJ, RGIAJ self-exclusion register
- Paf Estonia, home page (paf.ee)
- Paf Estonia, Terms of use (paf.ee)
- Paf Finland, home page (paf.fi)
- iGaming Today, Paf cuts annual loss limit to €15,000 (February 12, 2026)
- Focus Gaming News, Grupo Paf opens office in Ceuta (February 25, 2026)
- Valsts ieņēmumu dienests (Latvia): licensed gambling organizers
Our Take
Paf is an Åland Islands betting and gaming operator that runs its own apps under its own name, which is rare and checkable. The claim most often made for this brand — that its profits go to good causes — is not confirmable from any source this page can cite, and anyone who cares about it should read Paf's own published accounts rather than a review. It is not licensed in Great Britain.
Payment Methods
Accepted Currencies
Where Paf Is Available
The countries we have checked so far. Paf may operate in others that are not listed yet.