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The Pros and Cons of White Label Payment Gateway

This means your business can process payments for other merchants for a fee. But, besides the regulatory aspect, being a payment gateway provider brings a technological burden, because you need an infrastructure to safely store transaction data, credit card tokens, etc. UniPay is a commercial open-source payment gateway built on modern technology and easily adaptable to businesses of any size. We’re the payment processing company that can deliver the connectivity, security and valuable support worldwide. Many white-label payment gateways and payment service providers that offer customization are geared for online businesses.

Drawbacks of a white-label payment gateway

Payment Card Industry Data Security Standard, or PCI-DSS compliance, is a set of policies necessary for all card brands to follow. These policies have been created to safeguard card transactions across platforms and avert misuse of any personal information related to cardholders. At Spell, our experienced team is all too familiar with the challenges and downfalls of other payment gateways. We have the expertise and capability to provide the best-in-class payment infrastructure that supports a wide range of payment methods and streamlines risk management. Not only does this allow them to expand their offerings, but also have greater control over the payment process.


It wasn’t all that long ago that the world of payment processing was separate from the line of business applications merch… As the payments ecosystem evolves, it’s becoming more challenging for small businesses and micro-merchants to remain compe… UniPay White Label Payment Gateway – a payment solution fully hosted in our environment to help businesses greatly reduce and simplify PCI compliance requirements. You find the best solutions on the market for your customers and strengthen your partnership with your white label.

Developing a custom payment solution allows you to implement any feature you want, whether those are recurring payments or multi-currency transactions. It is possible to use an open-source payment gateway software that will lower the costs of the engineering. But it will, again, restrict you in customization options.

How Payments Can Help Reach Omnichannel Retail Nirvana

Therefore, whichever option you choose, you will never outgrow us. You can start with a white-label instance, and if you eventually decide to implement your own instance, you will always be able to acquire your own license. Furthermore, we will help you migrate all your data and servers into your own data centers.

  • The throughput capacity of the white label payment gateway is 200 transactions per second.
  • How Payment Processing Works We refer to payment processing when we pay in an e-commerce store, purchase movie tickets on a website, and receive money for goods or services sold online.
  • You can customize your site’s colors and graphics as well as the applications involved.
  • You get the credit for a job well done, and you don’t have to carry the burden of maintaining the software, expanding the feature base, and implementing new industry-specific changes and upgrades.
  • Becoming a provider of payment gateway services, rather than merely a reseller, offers unique opportunities.

It is possible to set up a white-label payment gateway that will allow you to build a store for each of your customers if they sell products for you rather than themselves. Traditionally, companies, that did not have their own payment gateway, used the services of a third-party gateway under the gateway’s brand. Authorize.Net is, probably, the most illustrative example. ISOs could use such third-party gateways to service their merchants connecting them to their acquiring partners. MONEI makes everything easy MONEI is a payment gateway that allows you to accept payments either online and offline. MONEI can be integrated directly into your website or online store with just one simple line of code .

What does a White Label Payment Gateway Denote?

Throughout world history, India and Mumbai were vital centers of trade – PAYMENTZ retains that culture by enabling global transactions in an extremely secure environment. PAYMENTZ is passionate about delivering high-quality services and also striving to constantly development of systems and tools in order to establish new benchmarks in the industry. With dedicated personnel and a passion for online and mobile payments, PAYMENTZ tends to always be your first-choice technical partner. This is the best option if you want to process payments under your own brand with a custom solution while saving on payment transaction fees. An integrated gateway can be a dedicated source of revenue, as merchants that obtain all the necessary compliance become payment service providers themselves.

Drawbacks of a white-label payment gateway

Also, most white-label gateways can be easily integrated with third-party security, anti-fraud, and KYC Solutions if you need an extra security layer. Were you wondering why there are so many payment gateways on the market and why so many companies ask how could they create a payment gateway for their own app? Then just look at how much companies can earn from mobile purchases. You can customize your site’s colors and graphics as well as the applications involved. You also have the opportunity to customize your company communications and any collateral materials you offer. We have lead tracking, sales materials, and much more ready to meet your needs.

On the other hand, low-risk businesses should consider outsourcing their payments to a provider with affordable recurring billing, a flexible fee structure, and a fee calendar. However, if you’re just starting, look into outsourcing your payment processing to a third party or even going white-label all the way. And if you’re looking for a white-label payment solution, Akurateco’s here to help. The trick with white label payment processing is that the more control over the process you need, the more responsibility you have to assume. Paypal is an eCommerce payments platform that allows people to pay for their purchases without sharing any of their bank information . And as it works in 200 countries and accepts 25 currency types, it’s one of the most popular gateways when it comes to online shopping.

Do I Need a Private Label Credit Card?

Is a white-label payment service that integrates your business with the Automated Clearing House network to send and receive ACH payments. The software, when integrated with your online website, can be fully customized to match your business’s branding. This is a way to go for large corporations that can afford an in-house expert team to do the hard work behind the payment gateway. However, if you’re a smaller company or just don’t want to take the risk, you might want to consider one of the next options.

Drawbacks of a white-label payment gateway

PayBito comes with a cutting edge white label payment gateway for simplifying cryptocurrency payments worldwide. Authorize.Net processes over one billion transactions for over 430,000 merchants every year. However, it has a short list of accepted currencies compared to its competitors. For U.S. and Canadian businesses, only supports payments in USD and CAD. And European businesses, it supports eight currencies, and for Australian companies, three. A plus for them is that they offer several features for the merchants – recurring payments, invoicing, mobile purchases, a virtual point-of-sale system, and an optional card reader.

It will have your company logo, colors, and other corporate-style indicators. With the growing popularity of online shopping and cross-border e-commerce, the demand for payment processing is ever so high. Online merchants faced with the necessity to process all of their payments online are in a never-ending search for better solutions. Quite recently the landscape of the market was drastically changed with the emergence of white-label payment processing, an alternative to the traditional payment flow. And in this article, we’ll explore both of these processing models, look into their pros and cons, and help you better understand which one will work best for your business.

You become more competitive in your business niche by offering payment processing services to your customers under your own brand. Such systems are often used by businesses such as online retailers, e-commerce apps, gaming platforms, and system providers. Any organization that wants to accept online payments should consider one. One of the keys to a company’s or brand’s success and development is finding the right payment gateway partner. The concept of incorporating payments into software or applications appeals to many business owners. It’s a way for all parties to manage online payments securely while also extending their client base on a national or international scale.


The answer to this question comes in the form of automating their business. This means automating customer onboarding, underwriting, customer service requests, and fulfillment. The solution is more expensive, because the servers themselves and the gateway replica have to be serviced, and, moreover, separate PCI certification may white label payment gateway be required. Third-party, are the ones who bear responsibility for the development process and licencFe the right to distribute the final product. Focus on your branding so that people will fall for your product. Also, use every marketing tool to promote your product’s unique value proposition and find your target audience.

What is an example of a white label product?

This can cost millions of dollars in time and money—something that small businesses can’t afford. Crassula is your best helper in white-label gateway building. Just taking a look at our ever-growing list of the latest integrations, can help you understand how seriously we are intended to fulfill your business aspirations. Crassula is working with over 20 banks and this number is constantly growing.

Absolutely marvelous blog in regards to payment processing solutions. 2Checkout should be compared with other MOR service providers such as Paddle and FastSpring). Developing an independent custom gateway and payment processing infrastructure requires serious expenses that are billed in a range from $150,000 to $800,000. That price includes engineering, maintenance, PCI DSS compliance certification, SSL certification, writing API documentation, and administration expenses.

Kiosks bring a part of the digital shopping experiences in-store as well as providing a sanitary, socially distanced way t… Social distancing has consumers making payments from their cars — and wary of cash and using PIN pads. Unattended kiosks aren’t a new concept, but a variety of factors are driving adoption and changing the way some businesses… In our recent webinar Nick Starai, NMI’s Chief Strategy Officer, discussed contactless payment trends, ways to quickly and… Welcome to 2020’s holiday shopping season, a critical time of the year for most merchants. The rate of change in the payments space has increased over the past decade – and the coronavirus pandemic has accelerated…

To be more precise, online shops, e-commerce software, gaming platforms are often clients of ours. If you also want to get a payment gateway, you can get started simply by telling us which concrete white-label product idea you have and we will develop and launch it for you the way you see it. Most payment service providers offer checkout customization through the platform’s application programming interface, or API, which can require developer experience to use.

The one required for retailers is called AOC SAQ D – Merchants. The Balance uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process to learn more about how we fact-check and keep our content accurate, reliable, and trustworthy. Taking advantage of a special financing offer can help you to pay off a large purchase with no interest. However, it’s important to understand whether the interest promotion is truly a 0% APR or deferred interest.

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