We do not average review stars. We measure behaviour: does the operator pay, answer complaints and see disputes through to the money.
Market overview for USA: who pays, who does not → · other markets
Score and payouts shown for Spain (where ≥4 local reviews), otherwise global.
| # | Operator | Index | Payouts | Reviews |
|---|---|---|---|---|
| 1 |  PokerStars IN |
63/100 | ✗ risk | 6 |
| 2 |  Bwin |
4/100 | ✗ risk | 8 |
| 3 |  Loteria Nacional |
0/100 | — | 21 |
| 4 |  Sportium |
— | — | 3 |
| 5 |  Luckia |
— | — | 3 |
| 6 |  Esportes da Sorte |
90/100 | ✓ reliable | 4330 disputes |
| 7 |  Ps3838 |
— | — | be first → |
Market overview for Spain: who pays, who does not, what players complain about →
Accountability index 0–100 — operator behaviour: pays out, responds to complaints, resolves disputes. Not a star average. "+N" — player reviews on PaysOrNot.
0–100 from operator behaviour: payout reliability, share of complaints answered and share of disputes resolved.
Not paying or stalling your withdrawal? File a complaint on the operator page. It is public, the operator replies inside it, and only you can close it. And mark it "resolved" — when the money arrives.
For every theme — payouts, bonuses, KYC, support — see whether complaints are rising or falling. The index drops as soon as an operator stops answering and solving its customers' problems.