amBrain

Pragmatic Solutions PAM alternative: license the platform or own it

Published Sep 23, 2026Facts checked: Sep 23, 2026

Short answer

Stay on Pragmatic Solutions if you want a licensed supplier behind your player account management platform and your GGR is high enough that a 2.00% or 1.50% royalty is small next to an in-house PAM team. Consider leaving if you host the platform, pay for bespoke work by the hour and still own none of it: in the one agreement filed with the SEC, the software is licensed "in object code form only" and the supplier "retains all Intellectual Property Rights" in the platform and in anything it develops for you.[2] That agreement is one customer's terms from January 2023, not a price list.

On this page

What Pragmatic Solutions sells and how it charges

Pragmatic Solutions sells player account management technology. Its site's product menu lists "PAM Platform", "Data Lake", "Regulation & Compliance", "CMS" and "Integration Hub", and its services menu lists "Development Services" and "Migration & Onboarding". The home page describes the PAM as a platform to "Curate experiences, monitor player interactions, and keep multiple brands running smoothly", and names Malta, Ontario, Great Britain, Romania and Sweden under the heading "Licensed to Lead".[1]

The licences are held by a named Maltese entity, not by the brand. The site footer reads: "This website is operated by Pragmatic Solutions MT Limited, a company registered in Malta under company registration number C91859", and "Pragmatic Solutions MT Limited is licensed and regulated by the Malta Gaming Authority: B2B Critical Supply License number MGA/B2B/619/2018 and in Great Britain by the Gambling Commission under account number 57239".[1] The supplier in the filed agreement below is a different company in the group: "PRAGMATIC SOLUTIONS (IOM) LIMITED, a company organized under the laws of Isle of Man bearing registration number 016085V".[2] Ask which entity would sign your contract and which licence covers it.

No prices are published. The FAQ page answers nine questions — none of them about cost — and its call to action is "Make an Enquiry".[3]

One agreement is public because High Roller Technologies, Inc., the customer's US-listed group, filed it with the Securities and Exchange Commission as Exhibit 10.13: an "iGAMING PLATFORM AGREEMENT" between HR Entertainment Ltd and Pragmatic Solutions (IOM) Limited, signed by both parties on 31/01/2023.[2] It is one customer's terms in 2023, not a rate card, and every figure in the table below is quoted from it.

Fees and terms in the 2023 agreement filed with the SEC[^sec-ps-hr-entertainment]
Contract lineWhat the filing says
Platform set-up fee"Platform set up fee 1 €40,000.00", marked PAID
Migration fee"Migration fee 1 €20,000.00"; "Total Set up fees: €60,000.00"
Each new supported jurisdiction"a set-up fee for each new market of €21,500 shall be payable"; a market the supplier does not yet support carries "a new set up fee shall be agreed upon"
Monthly minimum"€15,000", applying "at the earlier of (i) 6 months post the Commencement Date or the (ii) Go Live date", and "payable only in cases when the royalty rate due in a month … does not exceed the revenue share monthly minimum"
Royalty on monthly GGRBanded: "Tier GGR Band Royalty Rate (%) 1 €0-1,000,000 2.00 2 Over €1,000,000 1.50", with each tier's rate applying "in proportion to the total monthly GGR within that tier"
Platform infrastructure maintenance"€0 - €1m GGR: €2,000.00 Every €1m GGR thereafter: €1,000.00"
AcuBI"AcuBI 1 €2,000 per month"
Dedicated account manager"The Account Manager will be charged at the rate of €6500 per month payable monthly in arrears"
Bespoke development"any bespoke development work performed by the Supplier will be charged in addition to the fees set out in paragraphs 2.2 to 2.6. at the rate of €65 per hour"
Term"shall continue in full force and effect for 3 years until terminated within the terms of this Agreement"
Availability"Availability/Downtime shall not be less than 98.6% per month"; service credits of 5%, 10% and 15% "of Monthly Revenue Share" by downtime band, and "Service Credits shall only apply to P1 – Critical Incidents"

Two pieces of arithmetic follow from those lines. They are arithmetic on the filing's own figures, not numbers the filing states. Because the first band charges 2.00% on all GGR below €1,000,000, the royalty equals the €15,000 minimum at €750,000 of monthly GGR — below that, the minimum is what you pay.[2] Add the fixed lines in the same schedule — €2,000 infrastructure maintenance, €2,000 AcuBI and €6500 for the account manager — and the monthly floor in this contract is €25,500 before a single bespoke hour.[2]

Pragmatic Solutions vs an own PAM

Pragmatic Solutions (2023 filed agreement)Own PAM
Code and data ownershipLicence to "install it and use it … in object code form only"; the supplier "retains all Intellectual Property Rights in and to the Platform and applicable Documentation and anything developed by the Supplier and delivered to the Customer". On data, "the Customer is the data controller and in some specific situations the Supplier may be a data processor".[2]Code and data are yours under the build contract. On amBrain projects: "The client keeps full ownership of the product and the code, except our reusable components."
Cost modelA 2.00%/1.50% banded royalty on GGR with a €15,000 monthly minimum, plus fixed monthly lines and €65 an hour for bespoke work.[2]Build cost, then run cost. No royalty on GGR.
Time to launchNot published. The agreement defines "Go Live" as "the first date on which at least one of the Customer's Websites is able to accept a real money deposit into its online account".[2]Set by scope and by certification per market.
Lock-in: term, notice, migration3 years. After the first anniversary, termination for convenience in whole on "one hundred and twenty (120) days prior written notice" plus Termination Compensation; after the second anniversary, termination on each subsequent anniversary on "not less than ninety (90) days prior written notice".[2]Your contract with the builder.
CustomisationBespoke development at "€65 per hour", and the supplier retains the rights in "anything developed by the Supplier and delivered to the Customer".[2]Any change in wallet, bonus or compliance logic, owned by you.
Certification and compliancePragmatic Solutions MT Limited holds MGA B2B Critical Supply licence MGA/B2B/619/2018 and Gambling Commission account 57239.[1]You certify against GLI-19 Interactive Gaming Systems v3.0, GLI-33 Event Wagering Systems v1.1 or local equivalents[5] and hold the licences your markets require. Confirm the specifics with a licensing lawyer.
HostingThe customer carries it: "The Customer will maintain its own hardware, infrastructure and operating system and shall host the Platform at its own expense".[2]Your servers or your cloud account, on your own terms.
Availability"not less than 98.6% per month", with credits only for P1 – Critical Incidents.[2] On a 30-day month that band allows about ten hours of downtime — arithmetic, not a figure the filing states.Your own target, measured on your own traffic.
Exit costTermination Compensation equal to the monthly minimum times the months outstanding of the term, "limited to an amount equal to the overall payments due to the Supplier during the three months preceding the termination".[2]No platform licence to terminate.

Stay on Pragmatic Solutions if…

  1. 1.Your markets expect a licensed PAM supplier. Pragmatic Solutions MT Limited holds an MGA B2B Critical Supply licence and a Gambling Commission account, and the site names Malta, Ontario, Great Britain, Romania and Sweden.[1] If your roadmap is about marketing and content rather than account logic, a licensed supplier takes a certification project off your plan.
  2. 2.Your GGR is well above €1m a month. In the filed agreement the royalty falls to 1.50% on the band above €1,000,000 of monthly GGR.[2] At that scale the per-unit cost of the licence falls, while the cost of an in-house PAM team does not.
  3. 3.You want to run the servers but not maintain PAM code. In that agreement the customer hosts the platform "at its own expense" while the supplier's obligations cover the platform software.[2] If your team is infrastructure-strong and product-light, that split can suit you.

Consider leaving Pragmatic Solutions if…

  1. 1.Symptom: you pay for the servers and still cannot change the code. In the filed agreement the customer "shall host the Platform at its own expense", while the licence covers object code only.[2] That is the infrastructure cost of ownership without the ownership.
  2. 2.Symptom: your custom features are billed by the hour and belong to the supplier. Bespoke development is charged "at the rate of €65 per hour", and the supplier retains the rights in "anything developed by the Supplier and delivered to the Customer".[2] The features meant to set you apart become the supplier's property.
  3. 3.Symptom: you pay the minimum, not the royalty. The minimum is "payable only in cases when the royalty rate due in a month … does not exceed" it,[2] which is another way of saying that below the crossover point the fee stops tracking your revenue. If your GGR sits under that line for long, price a platform you own against it.

A migration path in four steps

  1. 1.Choose the exit route by date. The filed agreement offers two: after the first anniversary, a full exit on 120 days' notice with Termination Compensation capped at the three months of payments before termination; after the second, an exit on an anniversary on 90 days' notice.[2] Compare the cap with the fees you would otherwise pay to the end of the term.
  2. 2.Use the transition window to run in parallel. From the date notice is served, the parties "shall in good faith plan for the orderly closure or migration of the Websites, the transfer of all" customer data, and the transition period is "not to exceed six (6) months".[2] Notice plus that window is your whole parallel-run budget, so most of the build has to happen before you give notice.
  3. 3.Agree the data format before you give notice. In that agreement "Customer Data" means "the data inputted or uploaded (migrated) into the information fields of the Platform".[2] Specify the export for players, wallets and balances, bonus state, KYC documents and transaction history, and reconcile balances to the cent.
  4. 4.Cut over brand by brand. On termination "the Customer shall disconnect from and remove its content from the Platform".[2] Move one brand or market at a time, keep a rollback path inside the transition window, and switch off the old platform last.

Pragmatic Solutions publishes its own onboarding as "The 5 Proven Steps to a Superior Platform": "Scoping, Analysis & Design", "Planning", "Development & Testing", "Deployment" and "Post-Deployment", with a test environment before going live.[4] The same stages apply when you leave; what changes is who owns the result. The licence and payment-account side of a platform move is covered in moving from a white label to your own platform.

What drives the cost of building your own

These are the cost drivers, not a price.

  • Wallet and ledger. Every balance change recorded, reconcilable and auditable; the part regulators and finance teams check first.
  • KYC, AML and responsible-gambling controls. Identity vendors, limits, self-exclusion and the reporting each regulator asks for.
  • Payments per market. Each payment provider is a contract and an integration.
  • Bonus and CRM logic. Promotions are business rules, and business rules accumulate; each one you own is code you maintain.
  • Certification. Testing against GLI-19 Interactive Gaming Systems v3.0 or local equivalents in each market.[5] Confirm the specifics for each market with a licensing lawyer.
  • Hosting and operations. Under the filed agreement you already pay for hosting;[2] an own PAM adds the team that maintains the code and answers the pager.
  • The migration. Data export, parallel running inside the notice and transition windows, and reconciliation.

Frequently asked questions

No price is published; the site's route to a quote is "Make an Enquiry".[3] The one agreement filed with the SEC shows a €40,000 platform set-up fee, a €20,000 migration fee, a €15,000 monthly minimum, a banded royalty of 2.00% up to €1,000,000 of monthly GGR and 1.50% above it, plus fixed monthly lines.[2] Those are one customer's 2023 terms; yours may differ.

In the filed agreement, the supplier. The licence covers the platform "in object code form only", and the supplier "retains all Intellectual Property Rights in and to the Platform and applicable Documentation and anything developed by the Supplier and delivered to the Customer".[2]

In that agreement the customer is "the data controller", and from the date notice is served the parties plan "the orderly closure or migration of the Websites, the transfer of all" customer data, with transition services "not to exceed six (6) months".[2] The export format and completeness are what you negotiate.

"Availability/Downtime shall not be less than 98.6% per month", with service credits of 5%, 10% or 15% of monthly revenue share by downtime band and only for P1 – Critical Incidents.[2] On a 30-day month that allows about ten hours of downtime, which is arithmetic rather than a figure in the filing.

In the filed agreement, yes. After the first anniversary the customer may terminate for convenience on "one hundred and twenty (120) days prior written notice" on condition of paying Termination Compensation, which is "limited to an amount equal to the overall payments due to the Supplier during the three months preceding the termination".[2] Read your own contract: these are one customer's terms.

Disclosure: this page is published by amBrain. From amBrain's iGaming services: "Casino platform development with online casino games, sports betting engine, and player management." amBrain's iGaming figures: "12 operators live", "500+ third-party provider integrations". Every vendor fact on this page links to its source. Pragmatic Solutions is a trademark of its owner and is used only to identify the product discussed; it is not the same company as others with "Pragmatic" in their names.

Sources

  1. [1]Pragmatic Solutions, Home page (product and services menus, regulator list, licence footer). Vendor's own page · checked Sep 23, 2026
  2. [2]U.S. Securities and Exchange Commission (EDGAR), Exhibit 10.13: iGaming Platform Agreement between HR Entertainment Ltd and Pragmatic Solutions (IOM) Limited (filed by High Roller Technologies, Inc., CIK 0001947210; signed by both parties on 31/01/2023; fees in Schedule B, SLA in Schedule C), Jan 31, 2023. Company filing · checked Sep 23, 2026
  3. [3]Pragmatic Solutions, FAQs (nine questions, none about price; the page's call to action is "Make an Enquiry"). Vendor's own page · checked Sep 23, 2026
  4. [4]Pragmatic Solutions, Migration & Onboarding. Vendor's own page · checked Sep 23, 2026
  5. [5]Gaming Laboratories International, GLI standards list (GLI-19 Interactive Gaming Systems v3.0, GLI-33 Event Wagering Systems v1.1). Specification · checked Sep 23, 2026

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