Are you stuck watching others roll out their payment platforms while you’re buried in dev costs and endless compliance checks? Building from scratch isn’t just expensive, it can take years you don’t have.
That’s where White-Label payment processing solutions come in. You get solid, enterprise-ready tech that runs under your own brand, without giving up control or credibility. It’s faster to launch, easier to stay compliant, and way more budget-friendly.
Moving forward, we’ll break down the 7 top white-label providers. You’ll see what each one offers, how long it takes to go live, and which one fits best with your fintech plans.
What is White-Label Payment Processing?
White-label payment processing is a way for businesses to offer their own branded payment solutions without building the technology from scratch. You use a provider’s powerful backend system but present it under your name, logo, and design.
It saves time, skips massive dev costs, and gets you to market fast. Instead of spending years and millions creating enterprise-level tools, you launch with features that already work.
All in all, it’s a smart shortcut for fintechs, neobanks, and platforms that want control, speed, and credibility.
Key Benefits of White-Label Solutions
Here are the benefits you can enjoy from white label solutions —
- Faster Time-to-Market: Deploy a complete payment processing platform in weeks rather than years, with some solutions offering deployment in as little as one week.
- Cost Efficiency: Avoid the substantial upfront investment required for building proprietary payment infrastructure, with setup costs typically ranging from $10,000 to $200,000 compared to $1M+ for custom development.
- Regulatory Compliance: Use existing PCI DSS certifications and regulatory approvals, eliminating the need for lengthy compliance processes.
- Brand Consistency: Maintain complete control over the customer experience while benefiting from proven payment technology.
Leading White-Label Payment Processing Solutions
The following are white-label payment solutions that lead the market —
1. SDK.finance
If you’re building anything in payments from a neobank, crypto wallet, or digital wallet, SDK.finance gives you a serious head start. It’s one of the best payment processing software solutions built for Payment Service Providers that need speed, flexibility, and fintech-grade tools.
You get everything you need to launch fast, scale smoothly, and stay in control without reinventing the core infrastructure.
Key Features
- Complete PSP infrastructure with merchant onboarding and settlement
- AI-powered fraud detection and real-time risk assessment
- Multi-currency processing with dynamic currency conversion
- Built-in compliance tools for PCI DSS, GDPR, PSD2
- API-first architecture with comprehensive documentation (470+ APIs)
- Rapid deployment of neobanks, crypto wallets, and digital wallet solutions
- Payment orchestration technology integrated
- 2,700 transactions per second processing capacity
Implementation: 2 weeks for SaaS, 6-12 weeks for full deployment
Best For: If you’re a traditional financial institution, a growing fintech, or a business planning to launch a neobank or digital wallet fast.
2. eComCharge (beGateway)
eComCharge offers over 13 years of experience in payment processing software development with PCI DSS Level 1 compliance.
Key Features:
- 170+ payment connectors with global reach
- Smart routing technology for transaction optimization
- Support for Visa Token Service and Mastercard SCOF
- 200 transactions per second processing capacity
- 40+ shopping cart integrations
Implementation: 1 week (SaaS) to 3 months (on-premises)
Best For: Established PSPs requiring extensive customization and global reach.
3. Akurateco
Akurateco provides sophisticated white-label payment gateway solutions designed for PSPs and enterprise merchants.
Key Features:
- Unified payment hub for multiple payment methods
- Advanced risk management and fraud detection
- Comprehensive analytics and business intelligence
- RESTful APIs with extensive documentation
- Multi-currency and alternative payment method support
Best For: Financial institutions requiring sophisticated payment ecosystems with extensive customization.
4. Tranzzo
Tranzzo offers white-label payment solutions focused on brand enhancement and revenue optimization.
Key Features
- Custom payment gateway with full branding
- Multi-processor support and integration
- Revenue optimization tools
- Advanced chargeback management
- Real-time transaction monitoring
Best For: Businesses looking to enhance brand identity while operating as PSPs with focus on revenue optimization.
5. Boxopay
Boxopay provides turnkey white-label PSP solutions with comprehensive business launching services.
Key Features
- Complete payment gateway infrastructure
- Merchant acquisition tools and CRM systems
- Risk management and fraud prevention suite
- Financial management and settlement capabilities
- Business licensing and compliance assistance
Implementation: 5-month complete PSP business launch
Best For: Entrepreneurs seeking to launch complete PSP businesses with full operational support.
6. DECTA
DECTA offers customizable white-label payment solutions for PSPs managing multiple acquirers and complex payment flows.
Key Features
- Multi-acquirer management capabilities
- Complete brand customization options
- Payment orchestration and intelligent routing
- Built-in European and global regulatory compliance
- Merchant self-service portal
Best For: PSPs requiring sophisticated multi-acquirer management with emphasis on European market compliance.
7. Transferty
Transferty provides white-label payment gateway solutions designed for PSPs, ISOs, acquirers, and merchants.
Key Features
- Zero development cost deployment
- Complete white-label branding options
- Multi-payment method support, including digital wallets
- Comprehensive merchant management tools
- Real-time analytics and reporting
Best For: Organizations seeking cost-effective white-label solutions with comprehensive support services.
Conclusion
If you’re aiming to offer branded payment services without sinking years into development, White-Label Payment Processing Solutions give you a direct route. You get solid tech, trusted features like fraud checks and compliance tools, and you keep full control over your brand.
We’ve walked through how these platforms help you move faster, cut build costs, and still deliver enterprise-level quality. Whether you’re launching a neobank, scaling your fintech, or adding payment rails to your app, picking the right provider sets the pace.
