PAF is unique among online betting sites in that it donates all net profits to charitable organizations. This Scandinavian bookmaker is controlled by the Åland government and it does not seek to take a profit in the traditional sense. Instead, all profits are redirected to positive causes such as the local public health organization, the Red Cross of Finland, Save the Children and many more. If luck doesn’t go your way, you can take some comfort knowing that anything you lose is at least put toward a good cause.

Notice: This review is based on personal opinion only. This is not official promotional content. All opinions and statements are ours alone.

The company holds licenses under both the UK Gambling Commission and the Åland government for its online gaming activities. Its brick-and-mortar business has been active since 1966. Over that long stretch of time, Play Among Friends has donated more than €245 million to charitable organizations. Now with that being said, let’s talk about what it’s like to actually bet online at

  • Types of Gaming Offered: sports, casino, poker, bingo and lottery
  • Accepted Currencies: Euro
  • Languages: English, Finnish, Spanish, Swedish, Russian and Estonian
  • Odds Formats: Decimal, Fractional and American
  • Software: NetEnt, Quickfire + Custom
  • Established: 31 October, 1966
  • Payout rate: About 98%
  • Restricted Countries: USA and Turkey
  • Deposit Methods: Skrill, Visa, MasterCard, Neteller, Giropay and Paysafecard Sports Betting

The sportsbook at PAF is comparable to that of other major bookmakers. Although the sportsbook definitely has a Finnish touch with sports such as pesapallo, the website is designed for an international audience. In addition to Finland-centric sports, the bookmaker also covers just about every other halfway popular sport in the world.

FootballTennisBasketballIce HockeyBaseball
American FootballSnookerVolleyballGolfAustralian Rules
EntertainmentOlympic GamesPesapalloPokerPolitics
PoolRugby LeagueRugby UnionSurfingUFC / MMA
Water PoloWinter SportsYachting

Betting lines at are usually pretty competitive but it can vary from event to event. Sometimes PAF has the best line among all major bookmakers and sometimes not. Overall, the prices are competitive often enough to make it worth checking in with PAF whenever you plan on making a bet on some upcoming competition.

The one major complaint you’ll often see in regards to sports betting at PAF is related to the betting limits. This book is not very keen on large bets. The limits vary based on the sport but often top out at about €500. These limits are more than adequate for recreational punters but they do leave something to be desired among the more serious punters.

As far the betting interface goes, there are no complaints there. This book is easy to use with all sports listed along the left side of the page and all available markets listed right down the middle with the current odds. If you select a wager, a betting slip will appear on the right side of the screen and show you how much money you are about to risk/win before you confirm the wager. The betting slip also includes an option for combining bets (multiples) that essentially let you create parlays from scratch.

One of the unique features of this particular book is the ability to filter the list of wagers inside any sport by type of bet. For example, you can select football from the menu and then use the filter to only show specific types of wagers such as top goalscorer, match bets, over/unders, penalties, corners, Asian lines and about two dozen others.

Live In-Play Betting

Looking at past PAF reviews, I saw that a common criticism was a distinct lack of in-play betting options. I’m not sure when things changed, but today has a massive lineup of in-play events on offer every day. The live betting calendar often shows dozens of upcoming events for each day of the week. Whatever the case may have been in the past, PAF has no shortage of live betting markets.

For anyone unfamiliar with live betting, it works just like traditional sports wagering except you’re allowed to place bets after the match has begun. The bookmaker offers a constant line of new wagers that are updated in real time based on the current state of the match. For example, you might want to place a bet on who will score the next goal or change your pick to the team that just took the lead. The odds are updated in real time on a continuous basis as the game plays out in the real world.

Real Money Casino Games

PAF casino hosts a variety of all the most common types of slots, table and poker games that you would expect to find at any major brick and mortar casino. There’s quite a bit of variety here due to contracting numerous software developers in addition to developing some of its games in-house. What this means for you is you’ll see a combination of fan favourites from the likes of NetEnt alongside custom games that you won’t find anywhere else.

Unlike most online betting sites, publishes payout rates right on its website for all to see. On average, you can expect to see about 98% of every euro wagered paid back to players in the form of winnings. This is one of the higher payout rates in the industry and that makes PAF well worth a look for casino players.

There are about 200 games on offer here with the majority of those being slot machines. There’s a nice variety here thanks to PAF working with multiple software providers. The NetEnt slots are especially pleasing on the eyes while some of the other games are noteworthy for their massive jackpots. At the time of this review, PAF had at least five different 6-figure jackpots and another two with 7-figure jackpots. At the high end, one of these was worth more than €6.4 million at the time of writing.

The table game selection is not as diverse as the slots lineup, but it does include all the classic mainstays such as roulette, blackjack, multi-hand blackjack, single deck blackjack (awesome), three card poker, oasis poker, casino holdem, baccarat and red dog progressive. These games are developed in-house with graphics that are passable but not outstanding.

Betting limits vary from game to game, but I did some exploring and found minimums as low as €0.01 and maximums as high as €500 per action.

Live Dealer Games

The PAF live dealer casino offers multiple variations of roulette, blackjack and baccarat that are dealt by real human dealers over live streaming video. You internet with the dealers using your mouse and keyboard and then a real person on the other side of the screen handles the wagers, deals the cards and spins a real roulette wheel to give you an experience very similar to actually being at the casino.

What I find interesting about the live dealer casino is that PAF has significantly more experience in this area than most betting sites. Remember, PAF has been involved in brick-and-mortar gaming for roughly 50 years now. These dealers are highly trained and are backed by a company that has a long history in dealing games the old fashioned way. Mistakes are rare and the dealers are happy to chat and interact with players just like they would in the real world.

PAF Poker takes an interesting approach to online poker. Rather than offering a single poker room like most do, PAF has two different poker rooms, each associated with a different network. It’s a little confusing because the main website doesn’t explain it very well, but there are two different poker rooms to choose from:

Spade Poker: This room is connected to the Ongame Poker Network, which is one of the largest poker network and home to 20+ individual poker sites. The advantages of this poker room include high traffic levels around the clock and software that can be accessed via instant play (play poker in your browser), a normal PC/Mac download client and mobile apps.

Heart Poker: This room is connected to the Microgaming Poker Network (MPN) and is home to a completely different set of players connected via numerous other poker sites. This is also a fairly large network with high traffic levels at all times. In my experience, MPN poker software runs a bit faster and smoother than that offred by the Ongame Network. In either case, you won’t have any trouble finding action at all stakes.

No matter which room you choose, PAF loves to integrate its online experience with live events. They are prone to host live events for their top players and regularly run online satellites that send the winners to play in large, land-based events. Between the online experience and live tournaments, there is a lot of money to be won at PAF Poker.

The one major downside you’ll find at PAF Poker is a distinct lack of large signup bonuses and rakeback. We should keep in mind the company is big on charity and they tend to donate a lot of money to charity that competing sites would instead invest in promotions. PAF Poker does host a variety of promotions, but the options aren’t as varied as what you will find at other sites. In the end, I would recommend PAF Poker if you love the idea of charity.

Online Bingo

PAF hosts real money 75-ball and 90-ball bingo games every day of the week with jackpots ranging from a few euros to €25,000 or more. Getting started is a simple process as you can choose “bingo” from the homepage and start playing right away in their no-download browser games.

All bingo software at PAF is proprietary (developed in house) and that makes it a unique experience among all bingo sites. If you have played online bingo elsewhere and need something new, PAF certainly offers its own take on bingo. The games here are pretty simple but it’s easy to get started and the jackpots are worth your while.

Like other bingo sites, PAF bingo offers real-time chat between players and employs a group of friendly CMs who keep the conversation going and help pass time during slow portions of any game. Bingo tickets start out at €0.10 and some games allow you to purchase as many as 60 tickets at a time.

This is still a growing poker room and you’ll notice that player traffic varies wildly. During peak hours, it’s not uncommon to have hundreds of tickets in play and some major jackpots up for grabs. However, log in during the middle of the night (European time) and you’ll only find a handful of bingo players online. It would be nice to see this bingo site continue to grow so we can compete for bigger jackpots on a more regular basis. Deposit Methods and Restricted Countries

PAF customizes the available deposit methods to your country of residence. Scandinavian countries have the most deposit methods on average, but every country has a few options. In many countries, you can use online banking to make deposits that send money straight from your bank account to your gambling account and then back out again.

List of Accepted Deposit Methods

SkrillOnline Banking

Restricted Countries does not offer a complete list of restricted countries, but we do know the gaming site accepts players from a wide variety of locations. However, does specialize in serving players from four countries in particular: Estonia, Finland, Spain and Sweden. If you live in any other country, you can simply visit the PAF website and you will know instantly if you are blocked. The website will not even display if PAF does not operate in your area.