White-Label Payment Gateway
Run a payment gateway under your own brand without building one. Master and sub-account structures, multi-acquirer routing and merchant onboarding — powered by leading regulated payment partners.
What you get
Your brand, end to end
Master and sub-accounts
Multi-acquirer routing
Merchant onboarding
Method breadth
Settlement and reporting
Build versus white-label
Building a gateway is rarely a gateway problem. The code that authorises a card is the small part; the cost sits in acquirer contracts, PCI DSS scope, tokenisation, a routing engine that survives provider outages, settlement reconciliation, merchant underwriting and the compliance function around all of it. Most teams underestimate that by a factor of years.
White-labelling inverts the sequence. You keep the two assets that are genuinely hard to buy — distribution and merchant relationships — and rent the infrastructure that is already regulated, certified and connected. Time to first live merchant moves from quarters to weeks, and the spread on your own pricing starts earning immediately.
The trade is control over the roadmap. That is why routing rules, onboarding workflows, pricing and merchant hierarchy are exposed to you directly rather than handled behind a support ticket.
Built for
- Payment service providers
- ISOs and payment resellers
- SaaS and vertical platforms
- Marketplaces and gig platforms
- Gaming platform providers
- Fintechs and neobanks
How to launch
- 01
Define the commercial model
Target verticals, markets, pricing and whether you settle or the institution settles.
- 02
Partner agreement
Complete the Master Partner Agreement covering scope, commercials and responsibilities.
- 03
Brand and portal setup
Domain, styling, statements and portal configured under your identity.
- 04
Acquirer and method mapping
Connectivity aligned to the MCCs and markets your merchant base actually needs.
- 05
Onboard and grow
Start writing merchants under your master account and add markets without re-platforming.
White-label payment gateway FAQ
What is a white-label payment gateway?
A white-label payment gateway is payment infrastructure operated by one provider and presented entirely under another company's brand. The PSP, ISO or platform owns the merchant relationship, the checkout appearance, the pricing and the portal; the underlying provider supplies the processing, acquirer connections, routing engine and reporting.
Who should use a white-label gateway instead of building one?
Companies that already own distribution — PSPs, ISOs, ISVs, marketplaces, SaaS platforms and payment consultancies — but do not want to spend two to three years and a licensing programme building acquiring connectivity, PCI scope, a routing engine and settlement reporting from scratch.
Does a white-label gateway require a payment licence?
Not always. Where funds are settled by the underlying licensed institution and the partner acts as a technology and distribution layer, the partner may operate without its own licence. Where the partner wants to hold or route funds itself, licensing or an agency arrangement is required. The correct structure is confirmed during onboarding.
How does pricing work?
Typically a platform fee plus a per-transaction cost, with the partner setting its own merchant pricing on top and keeping the spread. Volume commitments reduce the per-transaction cost. There is no public price list because acquiring costs vary by market, MCC and risk profile.
Can I onboard my own merchants?
Yes. Master and sub-account structures let you create, underwrite and manage merchants beneath your own master account, with per-merchant IBANs, settlement schedules, limits and reporting, while compliance review remains with the licensed institution.
Launch under your own brand
Review the Master Partner Agreement or speak to our partnerships team about your target verticals and markets.