Disclosure: This commercial comparison is published by Akurateco. Information about third-party platforms is based on publicly available provider websites and documentation reviewed on July 31, 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.
White-label payment gateway platforms differ in branding scope, merchant management, processor connectivity, payment channels, reporting, billing, deployment, and support. This article describes 7 alternatives that businesses may consider alongside NMI, based on publicly available vendor information.
It is intended for PSPs, payment startups, fintech companies, ISOs, and payment businesses evaluating infrastructure for branded payment services. The comparison focuses on official product information rather than rankings or unsupported performance claims.
7 platforms included in this guide:
- ACI Worldwide
- Akurateco
- Ikajo
- UniPay Gateway
- Pay.tech
- Decta
- Tranzzo
About NMI
NMI provides white-label payment gateway technology for organizations building branded payment products and managing online, in-person, mobile, and self-service payment experiences. Its public documentation covers merchant onboarding, processor and service configuration, transaction processing, tokenization, recurring payments, reporting, and account management through partner and merchant portals.
Documented capabilities:
- White-label gateway functionality with custom-domain support and account-management controls
- APIs, SDKs, and development tools for online, in-person, mobile, and self-service payment environments
- Merchant onboarding and account management
- Processor and value-added service configuration, fee-schedule management, and settlement-time settings
- Customer Vault and tokenized payment credential support
- Recurring payment and subscription functionality
- Reporting and account-management tools
- Online and in-person payment acceptance
Use cases:
- ISOs, ISVs, PSPs, and fintech companies building branded payment services
- Software platforms embedding payment acceptance
- Organizations onboarding and managing merchant accounts
- Businesses accepting payments across online and physical channels
- Companies managing recurring billing or stored payment credentials
Sources: NMI Payment Gateway, NMI Developer Documentation, NMI Getting Started, NMI Gateway Features, NMI Customer Vault, NMI Recurring Transactions
Source information checked 07/31/2026.
7 NMI Alternatives
The providers below all offer white-label payment technology. The products differ in focus, scope, merchant tools, branding options, deployment models, connectivity, and support. Each profile summarizes the provider’s current offering based on its official website and documentation.
Akurateco
Akurateco offers a white-label payment gateway solution for PSPs, fintech companies, ISOs, and payment businesses that want to launch and manage payment services under their own brand. The platform combines branded payment pages, merchant portals, gateway connectivity, merchant management, billing, reporting, fraud controls, tokenization, and flexible deployment in one payment infrastructure.
Documented capabilities:
- 700+ connections to global and local payment providers and payment methods
- White-label branding across payment interfaces, dashboards, merchant portals, domains, and applications
- Intelligent routing, cascading, retries, and failover rules based on provider performance, geography, and transaction data
- PCI DSS Level 1 certification, 150+ configurable fraud rules, and third-party risk integrations
- SaaS onboarding typically completed within 2-5 business days; additional connectors 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
- ISOs and fintech companies that want to offer payment processing under their own brand
- Payment businesses that need merchant onboarding, merchant portals, and back-office tools
- Companies that want white-label payment infrastructure instead of building a gateway from scratch
- Businesses that need payment pages, gateway APIs, reporting, billing, fraud controls, and tokenization in one branded setup
Sources: Akurateco official website, Akurateco Payment Connectors, Akurateco Developer API, Akurateco Fraud Prevention Platform, Akurateco Tokenization, Akurateco Network Tokenization Guide, Akurateco Payment Dashboard, Akurateco On-Premises Deployment, Akurateco Payment Team as a Service, Akurateco FAQ
Source information checked 07/31/2026.
ACI Worldwide
ACI Worldwide serves merchants, banks, financial institutions, and other organizations that manage payment activity across providers, markets, and channels. Its payment orchestration materials describe a centralized layer for connectivity, routing, risk tools, tokenization, monitoring, and reporting.
Documented capabilities:
- Connectivity to 250+ payment APIs
- Transaction routing and payment-flow management
- Fraud prevention and risk-management tools
- Tokenization and payment-credential management
- Centralized transaction monitoring and reporting
Use cases:
- Banks and financial institutions managing payment services
- Large merchants operating across several countries and channels
- Businesses working with multiple acquirers and payment methods
- Organizations that need centralized payment monitoring
- Companies processing transactions across several business units
Sources: ACI Worldwide official website, ACI Worldwide Global Coverage Directory, ACI Worldwide Tokenization
Source information checked 07/31/2026.
Ikajo
Ikajo provides a white-label payment gateway for businesses that want to accept and manage payments under their own brand. Its public materials describe brand customization, payment connectors, routing and cascading, reconciliation, fraud tools, and operational support.
Documented capabilities:
- Fully brandable white-label payment gateway
- Customizable hosted payment page
- More than 100 payment connectors across over 150 currencies
- Connector development on request
- Support for card payments, alternative payment methods, and selected digital assets
- REST API, SOAP API, and hosted payment page integration options
- Smart routing and cascading
- Integrated anti-fraud and chargeback tools
- Payment reconciliation
- Payment calendar for reviewing incoming payments
- Customer, integration, and legal support
Use cases:
- PSPs launching branded payment services
- Fintech companies developing payment products
- Online payment companies working across countries and currencies
- Businesses combining payment processing with gateway branding
- Companies replacing or expanding existing payment infrastructure
Sources: Ikajo White-Label Payment Gateway, Ikajo Payment Solutions, Ikajo API Documentation
Source information checked 07/30/2026.
UniPay Gateway
UniPay Gateway provides payment gateway software for PayFacs, SaaS platforms, ISOs, payment aggregators, and other payment businesses. It offers hosted white-label deployment as well as an on-premises licence that includes 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
- Advanced 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 managing merchant onboarding and payment processing
- ISOs offering gateway technology under their own brand
- SaaS businesses embedding payment acceptance
- Payment aggregators managing multi-party transaction flows
- Companies that require on-premises deployment or source-code access
Sources: UniPay Gateway Official Website, UniPay On-Premises Payment Gateway, UniPay Platform for PSPs and PayFacs, UniPay API Documentation
Source information checked 07/31/2026.
Decta
Decta supplies payment gateway technology with white-label branding and operational tools for managing providers, channels, merchants, and transaction flows. The product is aimed at businesses that want to offer payment services under their own brand.
Documented capabilities:
- Payment gateway infrastructure
- White-label interface and branding options
- Connections to payment providers and payment methods
- Transaction and payment-flow management
- Provider and channel management
- Merchant-management capabilities
- Support for card payments and selected digital wallets
Use cases:
- PSPs launching a branded payment gateway
- Fintech companies building payment products
- Payment businesses managing merchants and providers
- Companies that need white-label payment infrastructure
- Teams combining gateway operations with provider management
Sources: Decta Official Website, Decta Payment Methods, Decta Gate Payment Methods Documentation, Decta Gate Integration Options
Source information checked 07/31/2026.
Pay.tech
Pay.tech packages white-label gateway and orchestration components for PSPs and payment businesses. Its modular stack includes infrastructure for provider connectivity, fraud controls, monitoring, merchant onboarding, support, and branded interfaces.
Documented capabilities:
- White-label payment gateway components
- Payment orchestration capabilities
- 700+ payment providers
- Fraud-prevention modules
- Transaction-monitoring tools
- Merchant-onboarding capabilities
- Operational and technical-support modules
- Branded interfaces for payment businesses
Use cases:
- PSPs launching payment services under their own brand
- Payment companies building a resale-ready platform
- Fintech businesses combining several payment modules
- Teams evaluating packaged gateway and orchestration components
- Payment businesses expanding provider and payment-method coverage
Sources: Pay.tech official website, Pay.tech Integrations Hub, Pay.tech White-Label Payment Gateway, Pay.tech Payment Orchestration, Pay.tech Developer Resources
Source information checked 07/31/2026.
Tranzzo
Tranzzo provides white-label PSP and payment gateway technology for businesses that want to offer payment processing under their own brand. Its product materials cover merchant dashboards, branded payment pages, provider integrations, fraud controls, reporting, and back-office management.
Documented capabilities:
- Customizable white-label PSP and gateway
- Primary payment-processing functions
- 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 across more than 190 countries
- APIs and integration support
- Transaction monitoring, analytics, and customized reports
- Smart routing and cascading
- Tokenization, 3DS, payment links, split payments, and recurring payments
Use cases:
- PSPs launching payment services under their own brand
- Fintech companies developing branded payment products
- Payment companies managing merchants and transaction flows
- Businesses that need a branded merchant portal and checkout
- Companies expanding payment method and regional coverage
Sources: Tranzzo White-Label PSP, Tranzzo Payment Integration Hub, Tranzzo Merchant Portal, Tranzzo Documentation for Payment Service Providers
Source information checked 07/31/2026.
Key Akurateco Capabilities
Akurateco offers a white-label payment gateway with merchant onboarding, management, reporting, billing, fraud protection, tokenization, and flexible deployment options for running branded payment services.
Akurateco supports businesses that need to:
- Launch a fully branded payment gateway without developing the core infrastructure from scratch
- Access 700+ ready-made connectors, including global and local payment methods
- Request new connectors, with delivery in up to 20 business days
- Manage merchants, roles, limits, payment settings, and transaction flows from one system
- Use PCI DSS Level 1 infrastructure, tokenization, and fraud controls
- Configure merchant billing and invoicing
- Access real-time reporting, analytics, and reconciliation support
- Choose between SaaS, cloud-agnostic, and on-premise deployment
- Use Payment Team as a Service for implementation and ongoing payment operations support
Akurateco’s white-label payment gateway is designed for payment businesses that need branded gateway infrastructure, merchant operations tools, several deployment options, and implementation and payment operations support.
Other Alternatives to Look At
How to Evaluate NMI Alternatives
The right payment platform depends on the business model, target markets, merchant portfolio, payment channels, technical environment, and internal resources. Before selecting NMI or another provider, document the required capabilities and ask every shortlisted vendor the same questions.
White-label scope and product ownership
Define which parts of the product must carry your brand. This may include payment pages, dashboards, merchant portals, domains, email templates, mobile applications, reports, and support workflows.
Confirm which elements your team can configure, which changes require vendor assistance, and whether the provider’s branding remains visible anywhere in the customer or merchant experience.
Connector coverage and payment-lifecycle support
Confirm that each platform supports the processors, acquirers, payment methods, countries, currencies, and transaction types required by your merchants.
A listed integration should also support the relevant stages of the payment lifecycle. Depending on the business model, these may include authorization, capture, voids, refunds, recurring transactions, tokenization, chargebacks, reporting, and reconciliation.
For any missing connection, ask who develops and maintains the connector, how it is tested, what it costs, and which project-specific delivery estimate applies.
Merchant, MID, and entity management
Businesses managing several merchants, MIDs, legal entities, or branches should examine how the platform organizes accounts and permissions.
Review onboarding, account hierarchies, user roles, limits, provider assignments, billing structures, and reporting at both merchant and portfolio levels. Test the expected operating model with realistic numbers and workflows rather than relying only on a demonstration account.
Omnichannel and integration model
Map the payment channels that the platform must support. These can include e-commerce, mobile applications, in-store terminals, virtual terminals, recurring billing, payment links, unattended devices, and embedded payment experiences.
The technical team should compare APIs, SDKs, hosted pages, plugins, webhooks, sandbox tools, documentation, versioning, and testing requirements.
Routing, retries, and failover
Document the conditions that may affect transaction routing. Examples include country, currency, card type, BIN range, amount, payment method, provider cost, risk result, transaction status, and recent provider availability.
Ask how routing rules are created, approved, tested, changed, and audited. Retry, cascading, and failover controls should distinguish technical failures from issuer declines, authentication outcomes, and other transaction results.
The platform should also provide controls intended to prevent duplicate charges or repeated attempts that create unnecessary fees or customer friction.
Reporting, reconciliation, and data access
Compare the information available through dashboards, scheduled reports, file exports, and APIs. Relevant fields may include transaction status, provider responses, decline details, refunds, chargebacks, settlement data, merchant activity, fees, and reconciliation results.
Confirm data latency, report customisation, retention periods, user permissions, and access to raw transaction records. The provider should also explain which reconciliation tasks remain the customer’s responsibility.
Fraud, 3DS, and tokenization
Review how each platform handles fraud rules, third-party risk tools, 3DS configuration, payment credential storage, token portability, and network tokenization.
Request current documentation for security standards and certifications. Certification scope and validity should be checked directly rather than inferred from general security language.
Deployment and technical requirements
Confirm which deployment models each provider currently offers and which one applies to the proposed product. Review hosting regions, data residency, environment isolation, infrastructure ownership, backup responsibilities, release management, and disaster-recovery arrangements.
The technical team should also assess API requirements, sandbox availability, webhooks, testing tools, platform updates, and connector-maintenance responsibilities.
Implementation and ongoing support
Document what the provider handles before, during, and after implementation. Compare onboarding responsibilities, support hours, escalation channels, incident response, connector maintenance, technical account management, and payment-operations services.
The agreement should state which services are included and which require a separate commercial arrangement.
Total cost of ownership
Request a written commercial scope from every shortlisted provider. Compare setup fees, recurring platform fees, transaction charges, connector work, additional environments, token services, fraud products, reporting modules, support packages, infrastructure, and internal engineering effort over the same period.
The estimate should also include the expected cost of adding merchants, providers, regions, and payment methods.
Data portability and exit conditions
Review what happens if the business later changes platforms. Confirm notice periods, transaction-data exports, token portability, migration support, contractual obligations, and any fees related to termination or data transfer.
The contract should explain what can be exported, in which format, and within what timeframe. Apply these questions to every provider before signing a long-term agreement.
Conclusion
Payment gateway and orchestration providers differ in product scope, branding, connectivity, merchant operations, deployment, reporting, pricing, and support. The right choice depends on the business model, target markets, required providers, payment channels, technical resources, and level of operational control.
Akurateco may be relevant to PSPs, fintech companies, ISOs, and payment businesses that need a white-label gateway combining merchant management, billing, reporting, tokenization, fraud controls, flexible deployment, and implementation support.
Disclosure: This commercial comparison is published by Akurateco. Information about third-party platforms is based on publicly available provider websites and documentation reviewed on July 31, 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.
Provider information in this guide reflects publicly available documentation reviewed as of July 31, 2026, and may have changed since publication. Businesses should confirm current capabilities, certifications, pricing, and terms directly with each provider before making a purchasing decision.
FAQ
Which payment providers and payment methods integrate with Akurateco?
Akurateco connects to 700+ providers and payment methods through one integration. Its connector catalogue covers global cards, local payment methods, regional providers, acquirers, banks, and APMs. Custom integrations are available on request, with new connectors delivered in up to 20 business days. Confirm the exact delivery scope and timing for the required provider and transaction flows.
Is Akurateco a good alternative for PSPs and fintech companies?
Akurateco may be a good fit for PSPs and fintech companies that want to launch branded payment services, onboard and manage merchants, connect several providers, or combine gateway, billing, reporting, fraud, and tokenization tools in one system. Suitability depends on the required payment methods, merchant structure, deployment model, transaction flows, technical resources, and commercial terms.
What should businesses compare when evaluating a white-label payment gateway?
Businesses should compare branding scope, merchant onboarding, processor and payment-method coverage, supported payment channels, APIs, billing, reporting, fraud controls, tokenization, deployment, support, pricing, and data portability. Evaluate each option with the same requirements and test scenarios for every shortlisted provider. Also, use current product documentation and a written commercial proposal before making a final decision.
Which types of businesses may use Akurateco?
Akurateco’s white-label payment gateway is designed for PSPs, startups, fintech companies, ISOs, and payment businesses that want to launch branded payment services. Its gateway infrastructure features full customization, merchant portals, multi-MID management, billing, reporting, fraud controls, tokenization, provider connectivity, and several deployment options.
