A white-label payment gateway is a payment processing solution that businesses can rebrand and offer under their own name, without having to build the technology from scratch. Essentially, a third-party provider develops and maintains the underlying infrastructure for handling online transactions, including authorization, encryption, fraud detection, and settlement, while allowing other companies to customize the interface, branding, and customer experience to match their own identity.
This setup is especially popular among fintech companies, SaaS platforms, ISOs (Independent Sales Organizations), and marketplaces that want to offer integrated payment services without the time, cost, and complexity of developing PCI-compliant systems internally.
With a white-label gateway, companies can control the full customer journey, offer value-added services like recurring billing or multi-currency processing, and generate additional revenue streams through transaction fees, all while offloading compliance, maintenance, and security responsibilities to the provider.
A white-label payment gateway allows a business to offer payment processing services under its own brand while relying on the technology and infrastructure of a third-party provider. The process involves multiple steps that ensure secure, seamless, and branded transaction handling. Here’s how it typically works:
White-label payment gateways are used by a wide range of businesses that want to offer payment services under their own brand without developing the technology in-house. These businesses benefit from added control over the payment experience, enhanced brand trust, and new revenue opportunities. The most common users include:
A payment aggregator lets SMEs accept card and digital payments without a merchant account, simplifying processing under a shared account.
A merchant account lets businesses accept card payments, holding funds temporarily before depositing them into the main business bank account.
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