Disclosure: This commercial comparison is published by Akurateco. Information about third-party platforms is based on publicly available provider websites and documentation reviewed on October 8, 2026. Products, features, integrations, and availability may change. The descriptions reflect Akurateco’s understanding of the cited materials and should be verified directly with each provider before making a purchasing decision.
Cardstream offers a white-label payment gateway whose reseller partners can carry their own brand through to receipts and invoicing. Below are seven platforms that PSPs, acquiring banks and ISOs can consider alongside Cardstream.
About Cardstream
Cardstream provides white-label payment gateway technology for banks, PSPs, ISOs, acquirers, software companies, and other payment partners. Its public materials describe an independent UK gateway with branding controls, merchant-management tools, payment-method connectivity, hosted and direct integration options, and access to its Open Payment Network through a single API.
Documented capabilities:
- Rebranding of the whole platform, from the back office, payment forms and receipts to modules, billing and integration tools
- Cloud payment platform connected to the Open Payment Network through one API
- More than 400 connections in its network across acquirers, shopping carts, fraud services and payment methods, with support for 150+ alternative payment methods
- Connections to global acquirers and payment schemes, including integration with a partner’s own acquiring banks
- Hosted payment pages, hosted payment fields and direct API integration, with developer tools, test accounts and partner support
- Real-time routing tool that groups merchants and sets their priority order within each group
- Built-in fraud monitoring and prevention, with AVS and CV2 checks, 3-D Secure, country and card blocking, velocity limits and third-party fraud integrations
- Tokenization through cross-references for repeat and recurring payments, card storage and an account updater
- Merchant management system with real-time transaction data, permission-based user access and exportable reports for reconciliation
- Merchant boarding options, merchant invoicing and white-label invoicing for resellers
Use cases:
- Banks offering branded gateway services
- PSPs and ISOs managing merchant portfolios
- Acquirers providing gateway technology to merchants
- Software companies embedding payment acceptance
- Payment partners offering hosted or direct integration options
- Partners connecting several payment services through one API
Sources: Cardstream Official Website
Source information checked October 8, 2026.
7 Cardstream Alternatives
Akurateco, the publisher of this page, comes first. The other vendors are in alphabetical order, not ranked.
| Platform | What the vendor supplies, per its website | Stated audience |
|---|---|---|
| Akurateco | White-label payment software: gateway and orchestration; clients bring their own acquiring | PSPs, acquiring banks, ISOs |
| ACI Worldwide | Payment software, including the ACI Payments Orchestration Platform and a white-label gateway for PSPs | Banks and financial institutions, merchants, billers, PSPs |
| Ikajo | Brandable white-label payment gateway with a hosted payment page | PSPs, acquirers, online merchants |
| NMI | White-label gateway infrastructure for online, in-store, mobile and self-service payments, sold through partners | Banks, ISOs, payment facilitators, SaaS providers |
| paytech | Modular white-label gateway and payment orchestration components | PSPs, acquirers, merchants |
| Tranzzo | White-label PSP and gateway technology with a branded merchant portal and payment pages | PSPs and companies that want to operate as a PSP |
| UniPay Gateway | Gateway software as a hosted white-label service or an on-premises licence with source code | PayFacs, SaaS platforms, ISOs, aggregators, investment companies |
Akurateco
Akurateco is a payment software vendor. Its white-label payment software covers a white-label payment gateway and a payment orchestration platform, for PSPs, acquiring banks and ISOs that want to launch, operate, and scale branded payment infrastructure without building the technology from scratch. Akurateco is not a payment processor, and clients bring their own acquiring.
Akurateco combines white-label gateway infrastructure with merchant management, tokenization, fraud controls, reporting, billing, and payment operations support.
Documented capabilities:
- 700+ connections to global and local payment providers and payment methods, listed on the connectors page
- White-label branding across payment interfaces, dashboards, merchant portals, domains, and applications
- Routing, cascading, retries, and failover rules based on provider performance, geography, and transaction data
- 150+ configurable fraud rules and third-party risk integrations
- SaaS onboarding typically completed within 2-5 business days; additional connectors typically delivered within 10-20 business days
- Tokenization and vaulting, including network tokenization
- Centralized reporting across PSPs, acquirers, payment methods, and transaction flows
Use cases:
- PSPs launching a branded payment gateway under their own name
- Acquiring banks adding merchant-facing payment gateway technology without developing infrastructure from scratch
- ISOs and payment consultants expanding into gateway services
- PSPs that need merchant management, billing, reporting, and fraud tools in one stack
Pricing: Discussed individually.
Sources: Akurateco Official Website
Source information checked October 8, 2026.
ACI Worldwide
ACI Worldwide develops payment technology for banks, financial institutions, merchants and billers; its ACI Payments Orchestration Platform is built for merchants and PSPs.
Documented capabilities:
- Connectivity to 250+ payment APIs; coverage in 160+ countries, with alternative payment methods and partner connections
- Acquirer-independent multi-acquirer setups with local and cross-border acquirers
- Transaction routing by rules or AI models, with soft-decline retries and fallback to another acquirer
- Fraud management with models, rules, lists and strategies adjustable per market, channel and payment method, plus 3D Secure exemptions and Cybersource device fingerprinting
- Tokenization through a token vault for cards and alternative payment methods, including omni-tokens and network tokens
- Unified reporting with transaction and settlement reports and analytics dashboards by merchant, provider, payment method and country
- White-label payments gateway with a PSP-branded back office and white-label payment analytics
- Merchant Portal with a PSP-to-merchant account hierarchy, user roles and inherited processing settings
- Delivery models across ACI’s software portfolio: licensed (run in a private or public cloud), SaaS or hybrid
- Implementation team, always-on help desk and account team for PSPs
Use cases:
- Banks and financial institutions managing payment services
- Large merchants operating across several countries and payment channels
- Merchants working with multiple acquirers and payment methods
- PSPs offering a white-label payments gateway under their own brand
- E-commerce, travel, subscription and marketplace merchants
Sources: ACI Worldwide Official Website
Source information checked October 8, 2026.
See also: ACI Worldwide alternatives.
Ikajo
Ikajo provides a white-label payment gateway for companies that want to accept and manage payments under their own brand.
Documented capabilities:
- Fully brandable white-label payment gateway
- Customizable hosted payment page
- 100+ payment connectors and support for over 150 currencies
- Connector development on request
- Support for card payments, alternative payment methods, and cryptocurrencies
- REST API, SOAP API, and hosted payment page integration options
- Smart routing and cascading
- Integrated anti-fraud and chargeback tools
- Incoming-payment reconciliation
- Payment calendar for reviewing incoming payments
- Customer, integration, and legal support
Use cases:
- PSPs launching branded payment services
- Companies upgrading or replacing their payment processing infrastructure
- Online merchants optimizing payment performance across several payment integrations
- Merchants combining payment processing with gateway branding
Sources: Ikajo Official Website
Source information checked October 8, 2026.
NMI
NMI provides white-label gateway infrastructure for organizations developing branded payment services across e-commerce, in-store, mobile, and self-service channels.
Documented capabilities:
- White-label gateway with partner logos, colors, custom domains and configurable account settings
- APIs, SDKs and developer tools for online, point-of-sale, mobile and self-service payments, with partner training and support
- Merchant onboarding, underwriting, boarding and account administration, with user permissions
- Connections to third-party processors and acquirers, with processors, value-added services and fee schedules assigned to each merchant
- Transaction routing and load balancing across processors and MIDs by volume share, ticket limit or merchant-defined fields
- Fraud rules by transaction value and volume, card-testing detection, 3-D Secure and Kount fraud screening
- Customer Vault and Customer Token Vault, including network tokenization and automatic card updates
- Recurring and subscription billing, plus direct merchant billing with commissions paid to partners and residuals calculation
- Merchant Central portfolio reporting on transactions, settlement, reconciliation and disputes across supported processors, with real-time analytics and dashboards
- Card, ACH, Apple Pay and Google Pay acceptance across digital and physical channels
Use cases:
- Banks, ISOs, payment facilitators and SaaS providers launching payment products under their own brand
- Software companies adding payment functionality to their platforms
- Organizations responsible for onboarding and administering merchant accounts
- Merchants accepting transactions through both online and in-person channels
- Companies managing subscriptions, repeat payments, or stored customer credentials
Sources: NMI Official Website
Source information checked October 8, 2026.
See also: NMI alternatives.
paytech
paytech provides a modular payment technology stack with white-label gateway and payment orchestration components for PSPs, acquirers and merchants.
Documented capabilities:
- White-label payment gateway components
- 900+ third-party integrations
- Payment orchestration capabilities
- Smart routing and cascading
- Fraud prevention modules
- Monitoring of user activity, transaction flows and suspicious traffic
- Onboarding module for customer registration
- Development and support services, with 24/7 expert support
- Branded checkout with multiple payment page designs
- APIs and developer resources
- Cloud-based architecture
Use cases:
- PSPs launching payment services under their own brand
- Acquirers that want full ownership of a white-label gateway platform
- Online merchants connecting several PSPs through one API
- Companies adding front-end or back-end payment modules to an existing payment product
Sources: paytech Official Website
Source information checked October 8, 2026.
Tranzzo
Tranzzo provides white-label PSP and payment gateway technology for companies that want to run payment services under their own brand.
Documented capabilities:
- Fully customizable white-label PSP and gateway
- Primary payment-processing capabilities
- Merchant-management dashboards
- Branded merchant portal and payment pages
- Anti-fraud tools
- Back-office management
- More than 330 ready-made integrations and payment channels
- 180 payment methods in more than 190 countries
- APIs and integration support
- Transaction monitoring, analytics, and customized reports
- Smart routing and cascading
- Recurring and split payments, payment links with QR codes, 3D Secure 2 and card tokenization
Use cases:
- PSPs launching payment services under their own brand
- Payment companies managing merchants and transaction flows
- Companies that need a branded merchant portal and checkout
- Companies expanding payment-method and regional coverage
Sources: Tranzzo Official Website
Source information checked October 8, 2026.
UniPay Gateway
UniPay Gateway provides payment gateway software for PayFacs, SaaS platforms, ISOs, aggregators and investment companies, offered as a hosted white-label gateway or as an on-premises licence with source-code access.
Documented capabilities:
- Hosted white-label payment gateway
- On-premises software licence with source-code access
- 100+ integrations with banks
- Merchant underwriting and onboarding
- Recurring billing
- Full-cycle chargeback management
- Omnichannel payment processing
- Merchant remittance functions
- Reporting and reconciliation
- API documentation and integration resources
- Merchant-management and payment-facilitation functions
Use cases:
- PayFacs and aggregators managing merchant onboarding and payment processing
- ISOs offering gateway technology under their own brand
- SaaS companies embedding payment acceptance
- Investment companies and equity groups offering payment processing under their own brand
- Companies that require on-premises deployment or source-code access
Sources: UniPay Gateway Official Website
Source information checked October 8, 2026.
Key Akurateco Capabilities
Akurateco provides the gateway and orchestration layer on top of acquirers and does not process transactions itself. It is a strong fit for PSPs, acquiring banks and ISOs that need white-label payment software to:
- Manage merchants, roles, limits, payment settings, and transaction flows from one system
- Configure merchant billing and invoicing
- Access real-time reporting, analytics, and reconciliation support
- Choose between SaaS, cloud-agnostic, and On-Premises deployment
- Use Payment Team as a Service for implementation and ongoing payment operations support
Akurateco’s infrastructure is PCI DSS v4.0.1 Level 1. The platform is licensed by SAMA, QCB and the Financial Regulatory Authority (FRA). Client examples are on the case studies page.
How to Evaluate Cardstream Alternatives
Each question starts from something Cardstream documents about its own product (cardstream.com, checked October 8, 2026). Put the same question to every provider on the shortlist, Akurateco included.
- Which parts of the platform carry your brand? Cardstream documents rebranding across its whole platform, receipts included. Ask every provider, Akurateco included, which interfaces and documents run under your brand.
- How are acquirers and payment services connected? Cardstream documents its Open Payment Network, which links acquirers, payment methods, shopping carts and fraud services behind one API. Ask every provider, Akurateco included, for a named list of the connections you need in your markets, including the acquirers you already work with.
- Which integration methods are available? Cardstream documents hosted pages, hosted fields and a direct API. Ask every provider, Akurateco included, which integration methods it offers and what each method requires from your developers and merchants.
- How are merchants boarded and billed? Cardstream documents several merchant boarding options and invoicing for merchants and resellers. Ask every provider, Akurateco included, how merchants are onboarded, who bills them and which billing tools you get.
A longer list of criteria is in the provider selection criteria in our white-label gateway guide.
Conclusion
According to its website, Cardstream supplies a white-label gateway that partners rebrand across the platform, with a merchant management system and one API to its Open Payment Network. The choice between Cardstream and the platforms above depends on how far your brand must reach, which acquirers and payment services you need, and how merchants are integrated, boarded and billed.
For PSPs, acquiring banks and ISOs comparing white-label gateway software, see how Akurateco works for PSPs.
Related comparison: Decta alternatives. The full list is on the alternatives page.
FAQ
What is Cardstream?
Cardstream is a UK white-label payment gateway provider. Its partners run the gateway under their own brand and connect to acquirers, payment methods and fraud services through its Open Payment Network. Source: cardstream.com, checked October 8, 2026.
What are the alternatives to Cardstream?
This guide describes seven: Akurateco, ACI Worldwide, Ikajo, NMI, paytech, Tranzzo and UniPay Gateway. Each profile is based on that vendor’s own website, checked October 8, 2026.
What should I check before choosing a Cardstream alternative?
Check four things: which parts of the platform carry your brand, which acquirers and payment services are connected in your markets, which integration methods are offered, and how merchants are boarded and billed. Ask every provider on the shortlist, Akurateco included, for written answers that match your setup.
