Get 50% off on Vault theme. Limited time offer! The digital pay arena is changing at an extremely rapid pace and companies are seeking alternatives that are flexible enough and provide consistency in their brands. A white label payment gateway has been developed as the final answer to the companies that require offering smooth payment experiences with their own brand names.
Regardless of whether you are a fintech startup, an e-commerce companies, or a SaaS company, the customer experience depends on whether you picked the appropriate payment gateway provider. By 2026, the market will be saturated with different choices that have various differences in features and charges. This is a step-by-step guide to the top 10 white-label payment platform providers changing how businesses conduct transactions to enable you to make a wise decision with regard to your business growth.
What Is a White Label Payment Gateway?
Custom payment gateway It is a complete payment processing service that is created by a single company and then repackaged and marketed by a different company as theirs. Consider it a pre-built payment system, which you can tailor to your brand, logo, and colors. Businesses can extend the current technology and package it as their own solution instead of creating a payment system that would cost them enormous amounts of money, technical know-how, and consent from regulatory bodies.
This enables businesses to drive brand consistency down the customer path, as well as, to provide safe and sound payment processing. The white-label strategy saves time, costs less to develop, and speeds up the time to market, so it is an appealing alternative for businesses in different industries looking to cash in on payment services without necessarily having to reinvent the wheel.
How a White-Label Payment Gateway Works
- Partnership Structure: You sign an agreement with a payment gateway company where you are provided with white-label solutions and you agree to share the revenue and branding rights.
- Customization Phase: This phase involves specifications of the provider platform to reflect your brand name featuring logos, color palette, domain names, and user interface features.
- Integration Process: The white-labeled gateway is developed into your own site, application or platform through API, SDKs or plugins offered by the payment provider.
- Transaction Processing: The customer makes payment and transactions are conducted using infrastructure of the provider, although the customer is interacting with only your brand.
- Settlement and Reconciliation: Money is collected, processed and given out to your merchant account or allocated based on your business model and agreement.
Benefits of a White Label Payment Gateway
- Brand Consistency: It is important to keep your brand identity all the way up to the payment, this instills customer confidence and builds brand awareness.
- Fast Cost-effective Solution: It may require years and millions of dollars to create an implementation of payment gateway.
- Quicker Market Entrance: start your payment services weeks and not years. Not the long period of development but start forthright providing payment solutions to your clients.
- Competitive Advantage: The provision of integrated payment solutions distinguishes your business among others and adds customers loyalty since it becomes service-end-to-end.
- Tailor-made Flexibility: Customize the gateway to your own business and industry needs, and industry specifics without needing to be bound to hard and Fast one-size-fits-all solutions.
White Label Payment Gateway Pricing Models
- Transaction-Based Fees: Pay a percentage of each transaction plus a fixed fee per transaction, typically ranging from 1.5% to 3.5% plus $0.10 to $0.30 per transaction.
- Monthly Subscription: Predetermined monthly or annual expenses to utilize the white-label platform that can have a specified number of transactions or an unlimited amount.
- Setting up and Integration: There are one-time charges on initial setup, customization, branding and integration, the cost of which may vary between several hundred and thousands.
- Revenue Sharing Model: This model means that the provider shares in your revenue or transactional fees and with this arrangement your success is also your success in partnership.
- Custom Enterprise Pricing: Negotiation pricing applies to large companies with special needs or specific priorities, high volumes, or special needs that do not fit within standard models.
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Quick Overview of Top White Label Payment Gateway Provider Companies
| Provider | Ideal For | Pricing | Key Features | Why Choose |
| Stripe Connect | Marketplaces, platforms, multi-party payouts | 2.9% + $0.30 per card charge (extra fees apply) | Multi-party payments, 135+ currencies, strong APIs, instant payouts | Best developer experience; powerful marketplace tools |
| PayPal Commerce Platform | E-commerce businesses needing trust + global reach | From 2.9% + $0.30 (discounts for volume) | Global brand trust, multiple payment methods, fraud protection | Combine PayPal’s trust with your own brand customization |
| Adyen for Platforms | Enterprises with global, unified commerce needs | Custom volume-based pricing | 250+ payment methods, global acquiring, advanced analytics | Enterprise-grade global coverage + authorization optimization |
| Authorize.Net (Reseller Program) | ISVs, traditional businesses needing reliability | $49 setup + $25/month + transaction fees | Fraud suite, recurring billing, virtual terminal | Most stable legacy gateway; great reliability |
| Braintree | Mobile-first apps, subscription services | 2.9% + $0.30 (no monthly fee) | Mobile SDKs, digital wallets, vault, fraud tools | Best for in-app payments & digital wallet integrations |
| PayU | Businesses in India, LATAM, CEE markets | Custom regional pricing | Local payment methods, multi-currency, strong risk management | Best for emerging markets + local payment diversity |
| Worldpay (FIS) | Large enterprises needing global omnichannel | Custom enterprise pricing | Omnichannel, global reach, advanced security | Massive scale + proven reliability for global commerce |
| Razorpay | Indian startups & SMBs needing full-stack payments | ~2% per transaction (no setup fees) | UPI, wallets, payouts, subscriptions, banking | Best for India with deep local payment support |
| Nuvei | Global companies needing regional optimization | Custom pricing | 600+ payment methods, smart routing, modular platform | Perfect for global-local payment strategy & high auth rates |
| Checkout.com | High-growth tech companies needing scalability | Interchange++ with custom fees | Cloud-native system, direct scheme connections, APIs | Highly scalable, modern developer-friendly infrastructure |
Top 10 White Label Payment Gateway Providers (2026)
1. Stripe Connect
- Headquarters: San Francisco, California, USA
- Ideal For: Platforms and marketplaces in need of making a payment between and among several parties.
- Pricing: 2.9% + $0.30 per successful card charge, plus additional fees for specific features
Stripe connect is a strong white label platform that allows platforms to manage more complicated payment flows (splits, transfers and multi-party transactions) It has strong APIs and lots of documentation that make it the choice among tech-friendly businesses that are creating their own payment experiences. The platform accepts more than 135 currencies and includes such advanced options as instant payouts and adaptive pricing, which is why it is more suitable in the case of sophisticated marketplace models.
Key Features:
- Multi-party payment splits
- Developed API documentation.
- Global currency support
- Personalised checkout experience.
Why Choose: Best-in-class API developer experience and full-fledged tools to build solutions on their payment.
White-Label Use Case: Fit best in any marketplace where buyers and sellers make payments and automated commissioning is being done.
Link: https://stripe.com/connect
2. PayPal Commerce Platform
- Headquarters: San Jose, California, USA
- Ideal For: E-commerce companies that require reliable payment options having a worldwide brand name.
- Pricing: Starting at 2.9% + $0.30 per domestic transaction with volume discounts available
The white label product of PayPal allows the company to have the credibility of the PayPal brand, but have the ability to customize the product to their needs, allowing them to retain their identity. This solution works as a white label payment gateway, meaning businesses can integrate PayPal’s trusted processing system under their own branding. The site will have an easy check-out system and various payment options such as credit cards, debit cards, and PayPal wallets. It has excellent fraud protection and buyer confidence initiatives so that it not only decreases the abandonment of carts but also offers businesses the means to customize the payment experience to their specifications.
Key Features:
- Trusted global brand
- Multiple payment methods
- Advanced fraud protection
- Mobile-optimized checkout
Why Choose: Takes advantage of the good reputation that PayPal possesses with the ability to customize branding and full-time payment options.
White-Label Use Case: Good when the e-commerce platform requires the PayPal infrastructure but under their brand name.
Link: https://www.paypal.com/commerce
3. Adyen for Platforms
- Headquarters: Amsterdam, Netherlands
- Ideal For: Enterprise companies that need single channel and regional commerce solutions.
- Pricing: Volume-based custom pricing and usually interchange with fees every month.
Adyen provides one platform to take payments online, mobile and in-store with comprehensive white-label solutions. Adyen is known to serve global brands and as such it has coverage in international payment methods like none before with local acquiring in more than 50 countries. It is an excellent platform to provide rich information and to maximize rates of authorization, so it is perfect to be used by enterprises that are aimed at the strategies of conversion optimization and international growth.
Key Features:
- Unified commerce platform
- 250+ payment methods
- Local acquiring globally
- Advanced data analytics
Why Choose:Enterprise-level solution with a better global availability and rate optimization of authorization.
White-Label Use Case:Suited to fully global payment solutions to large platforms that require full brand control.
Link: https://www.adyen.com/platforms
4. Authorize.Net Reseller Program
- Headquarters: Foster City, California, USA
- Ideal For:ISVs and payment service providers that want established payment infrastructure that is reliable.
- Pricing: Typically $49 setup fee, $25 monthly gateway fee, plus transaction fees
Regularly updated to be one of the oldest white label payment gateway, Authorize.Net provides a stable white-label reseller program. The installation includes a wide range of payment acceptance such as credit cards, eChecks, and electronic payments that are integrated through an easy method. It has strong fraud prevention features and recurring billing, and is used by businesses that require certain assurance and reliability instead of the advanced functionality, especially in the traditional retail and service sectors.
Key Features:
- Established reliability
- Fraud detection suite
- Recurring billing tools
- Virtual terminal access
Why Choose:Established reputation and reliable infrastructure and full payment solutions.
White-Label Use Case: This is an appropriate option with ISVs and payment resellers creating solutions to be used by legacy companies.
Link: https://www.authorize.net
5. Braintree
- Headquarters: Chicago, Illinois, USA
- Ideal For: Mobile-first application with seamless in-app payment need, like Bumble.
- Pricing: 2.9% + $0.30 per transaction with no setup or monthly fees
Braintree is a mobile and web payment provider whose approach is developer friendly. It is an innovation company owned by PayPal that integrates innovative products such as Drop-in UI elements and the support of a payment giant. The app is top-tier in the delivery of easy mobile payment services with integration of digital payment platforms such as Apple Pay, Google Pay, and Venmo. Its advanced technology in fraud and vault make it especially appealing in the case of businesses that rely on subscriptions.
Key Features:
- Mobile-optimized SDKs
- Digital wallet integration
- Advanced fraud tools
- Subscription management
Why Choose:Superior mobile payment service with smooth integration with the digital wallet.
White-Label Use Case: Ideal when it comes to mobile applications and subscription services that require branded payment experiences.
Link: https://www.braintreepayments.com
6. PayU
- Headquarters: Hoofddorp, Netherlands
- Ideal For:New market companies concerning Latin America, India and Central Europe.
- Pricing: Region and volume-based custom pricing, competitive pricing on target markets.
PayU focuses on payment services in the high growth markets and has a strong knowledge of local payment methods. The platform is aware of the special issues affecting the emerging economies, and it provides a solution to the low rate of credit card penetration regions by providing other forms of payment. PayU can expand businesses with high confidence in the emerging regions because it has excellent risk management capabilities to suit the emerging market trends of fraud and payment options based on local currency and favored payment choices.
Key Features:
- Emerging market expertise
- Local payment methods
- Multi-currency support
- Regional fraud management
Why Choose: Uniqueness in terms of experience in the emerging markets, complete local payment coverage.
White-Label Use Case:Ideally suited to platform expansion in Latin America, India or Central/Eastern Europe.
Link: https://www.payu.com
7. Worldpay (FIS)
- Headquarters: Cincinnati, Ohio, USA
- Ideal For: The company needs an omnichannel payment solution to use with international processing.
- Pricing: Custom volume-based enterprise based pricing.
Worldpay by FIS offers white label payment gateway solutions at enterprise scale and covers the entire world. Millions of transactions happen on the platform each year, making it unmatched in scale and reliability. Worldpay provides real omnichannel experiences with a suite of resources, including e-commerce, mobile, in-store and contactless capabilities. Its advanced security, wide range of integration options, and full-time assistance make it the best option among large organizations having complicated payment requirements across several markets and channels.
Key Features:
- Omnichannel processing
- Global transaction reach
- Enterprise-grade security
- Commitment in account management.
Why Choose: Enterprise-wide omnichannel with massive scale and reliability.
White-Label Use Case:Label Suited to large platforms that require an intelligent global payment infrastructure and require complete customization.
Link: https://www.fisglobal.com/worldpay
8. Razorpay
- Headquarters: Bangalore, Karnataka, India
- Ideal For:Indian companies who require all-in-one payment and banking services.
- Pricing: Two percent per transaction and no set-up charges, good rates on large volumes.
Razorpay has been the most popular full-stack financial services platform in India with superior white-label services. Other than processing payments, it offers an entire package of automated payouts, subscription billing, and banking to Indian businesses. The site has a profound knowledge of payment preferences of Indians which includes UPI, wallet, netbanking and credit card. Razorpay remains a powerful figure in the Indian fintech market thanks to its fast innovation and a quick response rate.
Key Features:
- Complete payment suite
- UPI and wallet support
- Automated payout solutions
- Indian banking integration
Why Choose:: Vast Indian payment solution and understanding of local market.
White-Label Use Case: Best in use where there are Indian customers with various payment capabilities.
Link: https://razorpay.com
9. Nuvei
- Headquarters: Montreal, Quebec, Canada
- Ideal For: When it comes to international companies that need regionalized payment experience in various locations.
- Pricing: Custom pricing models depending on business requirements and volume of the transactions.
Nuvei is a modular pay platform that has large white-label possibilities and global-local strategy.Nuvei is a modular pay platform that has large white-label possibilities and global-local strategy. In addition to having a high authorization rate due to smart routing, the platform supports more than 600 other payment systems. Nuvei has advantages of having both a global and local presence that provides payment optimization regionally. Advanced capabilities such as risk management, cascading and smart routing are guaranteed to maximize the successful rates of transaction in various markets.
In addition to having a high authorization rate due to smart routing, the platform supports more than 600 other payment systems. Nuvei has advantages of having both a global and local presence that provides payment optimization regionally. Advanced capabilities such as risk management, cascading and smart routing are guaranteed to maximize the successful rates of transaction in various markets.
Key Features:
- 600+ payment methods
- Smart routing optimization
- Global-local approach
- Modular platform design
Why Choose: Incredible payment method coverage with smart transaction routing to the best of the deal.
White-Label Use Case: Suited to international merchants who require subjective payment experiences on their brand.
Link: https://nuvei.com
10. Checkout.com
- Headquarters: London, United Kingdom
- Ideal For: High-growth tech companies seeking scalable payment infrastructure with modern architecture
- Pricing: Interchange++ pricing model with custom fees based on volume and geography
Checkout.com offers the cloud-era cloud-built payment infrastructure framework that has full white-label services. The platform focuses on the performance, reliability, and developer experience features of the modern API and webhook. It provides direct links to large card schemes and local acquirers and maximizes the rates of authorization and minimizes expenses. Checkout.com is an attractive business choice being a unified solution with a robust fraud prevention tool and an adaptable integration layer, focusing on speed and scalability among technology-advanced businesses.
Key Features:
- Modern cloud architecture
- Direct scheme connections
- Unified reporting dashboard
- Developer-friendly APIs
Why Choose: Interchange+ model of prices depending on volume and geography.
White-Label Use Case:Ideal when the technology company is creating services that have payment capabilities and have full ability to control the branding.
Link: https://www.checkout.com
White Label Payment Gateway in India
- Compliance with Regulations: The Indian white label payment providers should meet the regulatory requirements of the RBI,the standards of the Personality data Security System (PCI DSS), as well as ensure the safety and legality of the payment processing.
- UPI Integration: Unified Payments Interface has transformed the industry of payments within India, and white label solutions in the best category have full UPI integration and allow immediate bank to bank transfer with no charge.
- Competitive Prices: The transaction rates (1.5 to 2.5) of Indian providers are generally more competitive than those offered by global providers, thus they are cost-effective to companies whose key clients are in India.
- Local Support: The domestic providers have superior knowledge on the Indian business issues and have a sensitive customer service locally in their regional languages and local business hours of the Indian time zones.
- Rapid Settlement: Indian white label payment processing solution have shorter settlement cycles (T+1 or T+2) than international gateways, which leads to a higher cash flow of the business.
How to Choose the Best White Label Payment Gateway
- Assess Your Business Needs:Understand your target markets, expected volume of transactions, expected mode of payments to be required and industry-specific requirements and then evaluate the providers accordingly to fit your business model.
- Evaluate Technical Capabilities: Examine API documentation, integration complexity, customization options, and developer resources to ensure the platform can be seamlessly integrated and branded according to your specifications.
- Consider Geographic Coverage: Choose providers with strong presence in your target markets, supporting local payment methods, currencies, and regulatory requirements essential for customer satisfaction and conversion rates.
- Analyze Pricing Structure: Compare total cost of ownership including setup fees, monthly charges, transaction fees, and hidden costs like chargeback fees or currency conversion rates to find the most economical solution.
- Check Scalability and Support: Make sure the provider can grow with your business or has a good record of customer support, well-documented, and service level agreements, which ensure that everything performs and is reliable.
Conclusion
Choosing the appropriate white label payment gateway is a wise move that defines your brand experience, growth opportunity and efficiency. The providers included in this guide are the most suitable ones to use in 2026 each with its own advantages depending on the needs of the business. Ideas: Global reach, emerging market knowledge, developer experience, or cost-efficiency. No matter which of those concerns you put more emphasis on, you can find a solution that perfectly fits your needs.
With ongoing establishment of digital payments, collaborating with a trusted Custom payment gateway provider leaves your company on a path of growth and competitive edge. Spend some time assessing your needs along with each one of theproviders based on their pricing, features, support, and scalability. The correct decision is not only will it simplify your payment operations but it will also make payments a source of massive revenue and customer satisfaction solutions to your business.
FAQs
What is a payment gateway and a white label payment gateway?
A typical payment gateway has the provider carrying the brand upon the payment to customers, whereas a white label payment gateway lets you rebrand the overall payment service as your product, which gives the customer a consistent brand experience during the payment procedure.
What will it cost to put in place white label processing solution?
Costs vary significantly based on the provider and your requirements, ranging from $500 to $10,000 for setup, plus transaction fees of 1.5% to 3.5% per transaction.
Does a white label payment gateway become safe?
True, trusted, white label processing solution are PCI DSS compliant, are encrypted with advanced cryptography and deploy fraud identifiers. The infrastructure has a security burden with the provider holding a portion and your business holding the other portion of the security burden, maintaining all security coverage.
Are there advantages of white label payment gateways to small businesses?
Absolutely! White-label solutions are affordable to businesses across the board. Small businesses can also provide professional payment services without huge investments that will not make them additional revenue streams and enhance customer experience and compete with larger businesses.
How long does it take to integrate a white label payment gateway?
The integration timings are dependent on the complexity; they are usually short, between 2 and 8 weeks. There are simple integrations that can be done in the span of days using pre-built integrations and fully custom integrations that may take weeks to be adequately tested and installed with the required branding and features.