White-label payment solutions provide pre-built, customisable technology that you can brand as your own and go to market faster while keeping operational control and customer trust.
In this guide, we explore what makes a great white-label platform, what to look for when choosing one, and review the top 10 white-label payment solutions to help you get ready for a payment business launch and scaling.
Why White-Label Matters in Payments
White-label payment solutions reshape how fintechs, PSPs, and startups enter the payments space. Instead of building their own solutions from scratch, businesses can leverage existing scalable payment infrastructure to launch a payment business in weeks, not years.
White-label gateway features empower companies to:
- Maintain full control over branding and customer experience
- Reduce development costs and compliance complexity
- Quickly add new payment methods and expand globally
- Build a high-risk payment gateway or niche PSP solution without a heavy technical investment
Whether you’re a SaaS platform embedding payments, a fintech launching your own brand, or an enterprise expanding services, white-labeling accelerates growth while keeping you in control.
What to Look for in a White-Label Platform
Selecting the right white-label payment gateway means balancing flexibility, reliability, and business strategy. Here’s what matters most:
- Scalability: Your payment infrastructure should scale effortlessly as transaction volumes grow or new markets are added.
- Branding capabilities: Choose a provider that allows full visual and UX customisation so customers experience a fully branded environment.
- Integration flexibility: Modern APIs, SDKs, and plug-ins are essential for seamless integration into your systems.
- Smart routing and orchestration: Features like cascading, retry logic, and cost-based routing improve approval rates and reduce declines.
- Data transparency and analytics: Unified dashboards, real-time monitoring, and actionable insights are vital for operational decisions.
Now, let’s look at the best white-label solutions that meet these standards.
Top 10 White-Label Payment Solutions
Below is a curated selection of the best white-label solutions to power your entry or expansion into the payments industry.
Corefy
Corefy stands out as a comprehensive payment orchestration platform for businesses that want full control over their payment infrastructure. With powerful automation that optimises routing, cascading, and reconciliation processes, 550+ integrations, and real-time analytics, the platform facilitates payment business launch and helps PSPs, fintechs, and enterprises scale efficiently.
Key features
Corefy combines a white-label payment gateway and orchestration technology, connecting businesses with 550+ payment providers and acquirers globally. Its intelligent routing, cascading, and unified analytics allow payment providers to manage complex setups from a single interface.
Strengths
- Modular architecture and scalable infrastructure
- Smart routing and cascading powered by 100+ routing attributes for optimised approval rates
- PCI DSS Level 1 certification and advanced security tools
- Real-time analytics, unified dashboard, and detailed reporting
- Customisable checkout and payment pages for full brand control
Suitable use cases: Ideal for PSPs, fintechs, and enterprises managing high-risk or cross-border payments. The platform helps reduce development time and costs, making it perfect for companies seeking fast go-to-market execution.
SDK.Finance
SDK.finance is a white-label fintech platform with a modular architecture that helps businesses launch gateways, digital wallets, or full PSP infrastructures with minimal development effort.
Key Features
The platform facilitates end-to-end payment processing, including transaction handling, customer and account management, KYC/AML workflows, and automated settlement tools. Its component-based architecture allows businesses to activate only the modules they need, supporting fast customisation and seamless integration into existing systems.
Strengths
- Highly modular architecture for custom feature assembly
- Fast go-to-market with pre-built payment and core banking modules
- Strong API layer supporting flexible integrations
- Secure infrastructure with compliance-ready components
Suitable Use Cases
Ideal for fintech startups, neobanks, and PSPs building custom payment products or digital wallet ecosystems. A strong option for companies seeking a backend platform to power their own branded payment experience.
Stripe Connect
Stripe Connect is a developer-first white-label payment platform that simplifies complex payment flows like split payments, onboarding, and compliance while giving businesses the flexibility to expand across 135+ currencies and markets with minimal friction.
Key Features
A developer-centric platform supporting 135+ currencies and multiple payment methods. It enables complex flows, such as split payments and payouts across global markets.
Strengths
- Global acquiring reach and flexible APIs
- Seamless onboarding and compliance management
- Pay-as-you-go pricing with no setup fees
- Industry-leading documentation and developer support
Suitable use cases: Ideal for global SaaS platforms, marketplaces, and multi-merchant ecosystems that need flexible split payment functionality.
Adyen for Platforms
Adyen for Platforms extends Adyen’s global acquiring network to platform-based businesses. Combining payment processing, financial products, and risk management under one roof, it enables enterprises to monetise payments, offer funding, and deliver seamless omnichannel experiences across markets.
Key Features
Adyen’s platform solution extends payment functionality with additional financial products, including issuing, banking, and lending.
Strengths
- Unified acquiring infrastructure with omnichannel capabilities
- Advanced risk and fraud management
- Access to working capital and issuing solutions
- Control over pricing and revenue share models
Suitable use cases: Best for enterprise SaaS or large platforms serving SMBs globally.
Nuvei for Platforms
Nuvei for Platforms delivers an all-in-one white-label payment infrastructure tailored for marketplaces, SaaS providers, and fintechs. By combining acquiring, alternative payment methods, and payouts across 200+ markets, it helps businesses monetise payments under their own brand. Its global coverage, advanced fraud tools, and integrated onboarding make it a strong choice for businesses scaling internationally.
Key Features
The platform provides unified APIs for managing multi-merchant payment flows, including configurable onboarding journeys, automated compliance checks, and flexible payout schedules. Its centralised reporting suite offers real-time visibility into transactions and merchant activity, while integrated risk tools enable granular control over fraud prevention and authorisation performance.
Strengths
- Global acquiring and APM support across 200+ markets
- Integrated merchant onboarding and compliance workflows
- Advanced fraud prevention and risk monitoring
- Fast, flexible integration with unified APIs
Suitable Use Cases
Well-suited for SaaS platforms, marketplaces, and global enterprises looking to monetise payments under their own brand and offer merchants unified global payment coverage.
BlueSnap
BlueSnap provides a global payment orchestration platform that combines local acquiring in 50 countries with intelligent routing, compliance tools, and API-based control. It empowers payment businesses to scale internationally while maintaining flexibility and insight into every transaction.
Key Features
Global payment orchestration with local acquiring in 50 countries, and strong onboarding, compliance, and analytics tools.
Strengths
- Intelligent routing and risk management
- Customisable merchant onboarding
- API-based operations for full control
- Flexible pricing and monetisation
Suitable use cases: Ideal for global merchants and payment platforms scaling internationally while retaining local flexibility.
DECTA
DECTA provides a full-service white-label payment gateway and acquiring platform with a strong emphasis on security, reliability, and compliance. It offers card processing, alternative payment methods, and flexible APIs, allowing businesses to manage transactions, risk, and settlements from a single dashboard. DECTA’s robust infrastructure and PCI DSS Level 1 certification make it a trusted partner for regulated financial institutions and PSPs.
Key Features
DECTA provides a full-stack white-label payment gateway and acquiring platform offering card processing, multi-currency support, and alternative payment methods. It includes merchant management tools, risk monitoring, and flexible APIs for integration into custom-built payment or financial applications.
Strengths
- PCI DSS Level 1 compliant infrastructure
- Wide range of cards and alternative payment methods support
- User-friendly merchant portal with real-time reporting
- Secure, reliable processing with robust risk controls
Suitable Use Cases
Ideal for PSPs, financial institutions, and enterprises seeking a secure, compliant gateway solution with strong acquiring capabilities and reliable performance across regulated markets.
Spell
Spell is a modern SaaS white-label platform that unifies payment gateway, orchestration, e-wallet, and billing functionalities. With near-perfect uptime, advanced KYC modules, and elegant design, it’s an ideal choice for fintechs and PSPs seeking a user-friendly yet powerful payment ecosystem.
Key Features
A modern SaaS-based white-label payment platform combining gateway, orchestration, e-wallet, and billing in one.
Strengths
- 99.999% uptime with AWS infrastructure
- Built-in e-wallet and KYC modules
- 100+ payment methods and real-time balances
- Elegant UI/UX and strong SLA-backed reliability
Suitable use cases: Best for fintechs or PSPs looking for rapid deployment with a design-first experience.
Paysecure
Paysecure delivers a white-label payment gateway solution that simplifies online payment acceptance for merchants and PSPs. Its intelligent routing, tokenisation, and multi-currency support ensure high transaction success rates across global markets. Due to its focus on fraud prevention and rapid deployment, Paysecure is ideal for businesses seeking a reliable, compliant foundation for their payment operations.
Key Features
The platform includes multi-acquirer connectivity, dynamic routing logic, and secure token vaults for card and customer data. Its fraud suite delivers configurable rules, real-time monitoring, and adaptive risk scoring, while developer-friendly APIs allow quick integration and onboarding within a branded environment.
Strengths
- Smart routing and multi-acquirer support
- Strong fraud detection and tokenisation features
- Fast deployment with complete white-label branding
- Multi-currency and cross-border processing capabilities
Suitable Use Cases
Designed for PSPs, merchants, and fintechs that require a secure, compliance-focused gateway solution to support global payments and improve approval rates across regions.
IXOPAY
IXOPAY is an enterprise-grade payment orchestration system built for scalability, security, and control. With 200+ PSP connections and 300+ payment methods, it provides powerful tools for routing, reconciliation, and risk management within a white-label-ready environment.
Key Features
Enterprise-grade payment orchestration supporting 200+ PSPs and 300+ methods.
Strengths
- PCI DSS Level 1 certification
- Automated reconciliation and card updating
- Configurable risk management rules
- Extensive white-label customisation
Suitable use cases: Best for enterprises, acquirers, and ISOs needing advanced orchestration and risk tools across regions.
How to Choose Your Platform: Checklist for Startups
When comparing startup payment infrastructure, consider the following:
- Level of customisation: Does the provider let you fully brand the interface and checkout?
- Integration resources: Evaluate available SDKs, APIs, and technical support.
- Global reach: Ensure it supports currencies, payment methods, and compliance frameworks relevant to your markets.
- Risk & compliance: Confirm PCI DSS certification and the availability of fraud-prevention layers.
- Scalability & analytics: Assess if the platform grows with you and provides data insights for optimisation.
Conclusion
Whether you’re targeting high-risk payment verticals, embedded finance opportunities, or multi-merchant ecosystems, the solutions we’ve reviewed demonstrate how diverse and capable modern payment infrastructure has become.
The best choice depends on your strategy: do you need rapid deployment, deep technical ownership, or broad global reach? By aligning the chosen platform’s capabilities with your business vision, you can build a sustainable payment infrastructure that scales with your ambitions.
