Pick two e-wallets. We'll break them down.

Payz

Payz is the product formerly known as ecoPayz, rebranded in mid-2023 under the same parent (PSI-Pay Ltd, FCA-regulated in the UK). It's the third-largest e-wallet in online gambling after Neteller and Skrill, and for a lot of players in Europe, Canada and Asia it's the pragmatic third option when their preferred operator doesn't list the Paysafe wallets. The standout: a 2.99% standard-tier FX rate that's meaningfully lower than Skrill / Neteller's 3.99%, and free Payz-to-Payz P2P from Gold VIP upwards. The catches: the Mastercard is gated to Silver VIP+ and Mastercard FX is a flat 2.99% at every tier (the Gold/Platinum 1.49% and True VIP 1.25% discounts only apply to the eAccount, not the card), the tier system is five-deep (Classic, Silver, Gold, Platinum, True VIP) which is genuinely the most confusing ladder in the category, and Silver P2P still costs 1.50% (min €1.50). In 2026 Payz remains a solid secondary wallet; it's rarely anyone's first choice but it's widely accepted enough to matter.

Luxon Pay

Luxon Pay is a 2018-vintage London e-wallet that has quietly turned into the category's price leader for anyone willing to grind the VIP ladder. At Standard tier the economics are broadly Neteller-equivalent (2% FX, fees may apply on card deposits), but at Noir — reached via €30,000 in quarterly merchant deposits — every fee drops to zero: 0% FX, free cards, free ATM withdrawals on eligible transactions, free SWIFT. The poker-first legacy means coverage is deepest at GGPoker and the major Curaçao casinos (20Bet, HellSpin, Rizk), with integration accelerating at the Boomerang and 1x Entertainment stables through 2025–2026. Smaller merchant network than Neteller or Skrill but the fee savings are real for mid-to-high rollers.