7 paytech Alternatives to Consider in 2026

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. All third-party names and trademarks are the property of their respective owners, are used for identification purposes only, and do not imply any affiliation or endorsement.

paytech sells a modular payment stack to PSPs, acquirers and merchants, from a gateway that runs under the client’s brand to fraud and finance modules. Below are seven platforms that PSPs, acquiring banks and ISOs can consider alongside paytech.

About paytech

paytech provides a white-label payment gateway and a payment orchestration product, with modules for fraud prevention, onboarding, monitoring and finance operations. PSPs, acquirers and merchants run the gateway under their own brand.

Documented capabilities:

• White-label gateway under the client’s brand, with customizable interfaces and several payment page designs
• Payment orchestration product connecting multiple PSPs and payment methods through one API
• 900+ integrations, with new connections, acquirers included, built on request
• Routing and cascading with failover, connector priorities and deposit-history rules
• Fraud Prevention module with identity and device checks, limits and block lists, plus anti-fraud integrations
• Reporting on success ratios, declines and chargeback ratios, with real-time monitoring and alerts
• Finance Module with invoicing, automatic reconciliation and settlement calculation
• Merchant fees, limits, sub-users and permissions, plus an Onboarding module with screening
• Payment links, recurring payments, Apple Pay, Google Pay and card tokenization
• SaaS delivery with deployment, training, custom development and 24/7 support

Use cases:

• PSPs that want a branded payment gateway
• Acquirers that want their own white-label gateway
• Online merchants connecting several PSPs through one API
• Payment providers moving to a multi-acquirer setup
• Payment providers adding modules to an existing product

Sources: paytech Official Website

Source information checked October 8, 2026.

7 paytech Alternatives

Akurateco, the publisher of this page, comes first. The other vendors are in alphabetical order, not ranked.

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.

Decta

Decta provides payment gateway technology with white-label, orchestration and payment-management capabilities, alongside its own acquiring, card issuing and processing services.

Documented capabilities:

• Fully hosted, cloud-based white-label payment gateway with branding options and full-page, iFrame, direct post and direct API checkout
• Transaction, payment flow, provider and channel management
• Connections to DECTA Limited and third-party acquirers
• Payment orchestration inside the gateway: routing by geography, transaction type, cost and success rate, cascading, failover and retries
• Back office for sub-merchant onboarding, permissions, limits and currencies
• Card payments, open banking and digital wallets; transactions in more than 50 currencies
• Invoicing, subscriptions and card-on-file recurring payments
• Fraud and risk management, tokenization and 3D Secure
• Centralized reporting and analytics, including real-time payment tracking

Use cases:

• PSPs launching a branded payment gateway
• ISOs and marketplaces offering payment acceptance under their own brand
• Enterprise merchants managing several payment providers through the gateway
• Companies that need white-label payment infrastructure
• Teams combining gateway operations with provider management

Sources: Decta Official Website

Source information checked October 8, 2026.

See also: Decta alternatives.

Ixopay

Ixopay provides payment orchestration technology for companies that connect to multiple PSPs, acquirers, payment methods, and related payment services.

Documented capabilities:

• 500+ adapters covering 200+ PSPs, 300+ payment methods and other payment services
• One API for multiple providers, added or swapped without code
• Routing on card, customer, transaction, geography and risk data, with cascading, fallback and failover
• Provider-agnostic universal and network tokens, transferable between providers, and an account updater
• Configurable risk rules and risk profiles, a 3DS module and third-party fraud integrations
• Centralized reporting and performance analysis, plus automated reconciliation and settlement across providers
• White-label admin and merchant interfaces in the client’s branding and domains
• A provisioning API for merchant onboarding and user roles, and fee management per merchant
• 24/7 support, sandbox access and developer documentation

Use cases:

• Enterprise and global merchants operating across multiple regions, currencies, and PSPs
• Retail and e-commerce merchants managing several payment providers and methods
• Subscription services handling recurring payment flows
• Travel and hospitality companies operating across markets
• Financial services companies
• Banks, PSPs, ISOs, ISVs and payment facilitators that run a payment platform under their own brand

Sources: Ixopay Official Website

Source information checked October 8, 2026.

See also: Ixopay alternatives.

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.

Payneteasy

Payneteasy provides a white-label payment gateway and orchestration platform for PSPs, banks, payment institutions, large e-commerce merchants and marketplaces.

Documented capabilities:

• 1,000+ integrations with acquirers, PSPs and alternative payment methods, with new connectors on request
• White-label checkout on the client’s subdomain, merchant portal, dashboards, reports and API documentation
• Multi-acquirer setups on the client’s own acquirer and PSP contracts
• Routing rules on country, card type, amount, currency or third-party check results
• Cascading of declines through a chain of acquirers, with traffic splits and statistics-based balancing
• 130+ configurable fraud filters with risk scoring, 3DS policies and third-party checks
• Card tokenization through Hosted Fields, plus tokenized card references for recurring payments and payouts
• Combined reports across connected PSPs, KPI and decline-reason analysis, reconciliation, and Excel and CSV export
• Merchant onboarding and management with user roles, sub-accounts, limits, per-merchant routing and rate plans
• Payneteasy-hosted infrastructure with a sandbox, launch guidance, training and 24/7 emergency support

Use cases:

• PSPs serving merchants under their own brand
• Banks and payment institutions adding new payment flows
• Large e-commerce merchants routing across several PSPs and acquirers
• Marketplaces handling split payments and seller onboarding
• Resellers that sign merchants on the gateway

Sources: Payneteasy Official Website

Source information checked October 8, 2026.

See also: Payneteasy alternatives.

Tranzzo

Tranzzo provides white-label PSP and payment gateway technology for companies that want to run payment services under their own brand.

Documented capabilities:

• White-label PSP and gateway as SaaS, with a branded merchant portal and client-domain payment pages
• Back-office admin panel and merchant dashboards, with onboarding to the client’s own procedure
• More than 330 ready-made integrations with banks and PSPs, several connectable at once
• 180+ payment methods and 190+ countries
• 30+ routing rules by region, currency and method, with cascading to backup processors
• Configurable anti-fraud rules with real-time checks on every transaction, and 3D Secure 2
• Card and network tokenization, with recurring, split and one-click payments and payment links
• Real-time transaction monitoring, analytics and customized reports
• APIs, plugins and SDKs, with integration support, 24/7 support and an account manager

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, ISOs, ISVs, SaaS platforms, aggregators and investment companies, as a hosted service or an On-Premises licence.

Documented capabilities:

• 100+ bank integrations, several processors per merchant and retries of soft-declined transactions
• Hosted white-label gateway and Payments as a Service, upgradable to the On-Premises edition
• On-Premises licence with source code, run on the licensee’s servers with its own acquirers
• Branded payment pages, statements, receipts and notifications at system, reseller and merchant level
• Merchant underwriting support, an onboarding API and management of portfolios, resellers, users and roles
• Merchant fee collection with pricing models, plus reseller commissions and residuals
• Card and bank account tokenization, and fraud rules with AVS and CSC checks and a blacklist
• Reporting and reconciliation, with custom reports, exports and merchant statements
• Implementation services and technical and operations support, with documented APIs

Use cases:

• PayFacs and aggregators onboarding merchants and processing payments
• ISOs and ISVs offering payment processing under their own brand
• SaaS platforms adding payment acceptance or becoming PayFacs
• Investment companies consolidating payment processing for portfolio companies
• Companies running the gateway in-house with source-code access

Sources: UniPay Gateway Official Website

Source information checked October 8, 2026.

See also: UniPay Gateway alternatives.

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 deployed for licensed PSPs and banks under SAMA, QCB and FRA supervision. Client examples are on the case studies page.

How to Evaluate paytech Alternatives

Each question starts from something paytech documents about its own product (pay.tech, checked October 8, 2026). Put the same question to every provider on the shortlist, Akurateco included.

• Which connections are available, and how is a missing one added? paytech documents its integrations and builds new connections, acquirers included, on request. Ask every provider, Akurateco included, for a named list of the connections you need in your markets, including the acquirers you already work with, and how a missing one is added.
• Which data can routing rules use? paytech documents routing and cascading with failover, connector priorities and rules based on a customer’s deposit history. Ask every provider, Akurateco included, which data its routing rules can use and how cascading and failover are set.
• How are merchants onboarded and managed? paytech documents an Onboarding module with screening, and merchant fees, limits, sub-users and permissions. Ask every provider, Akurateco included, how merchants are onboarded and which limits, fees and user roles can be set for each one.
• How are merchant invoices and settlements handled? paytech documents a Finance Module with invoicing, automatic reconciliation and settlement calculation. Ask every provider, Akurateco included, how merchant invoices are produced and how settlements are reconciled.

A longer list of criteria is in the provider selection criteria in our white-label gateway guide.

Conclusion

According to its website, paytech combines a white-label gateway and orchestration across PSPs with modules for fraud, onboarding, monitoring and finance, delivered as SaaS. The choice between paytech and the platforms above depends on the connections you need, the data your routing rules must use, how merchants are onboarded and how invoices and settlements are handled.

For PSPs, acquiring banks and ISOs comparing white-label gateway software, see how Akurateco works for PSPs.

Related comparison: Cardstream alternatives. The full list is on the alternatives page.

FAQ

What does paytech provide?

paytech is a payment technology provider. Its gateway runs under each client’s brand, its orchestration product links several PSPs through one API, and its own team handles deployment, training and support. Source: pay.tech, checked October 8, 2026.

What are the alternatives to paytech?

This guide describes seven: Akurateco, Decta, Ixopay, NMI, Payneteasy, 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 paytech alternative?

Check four things: which connections are available and how a missing one is added, which data routing rules can use, how merchants are onboarded and managed, and how merchant invoices and settlements are handled. Ask every provider on the shortlist, Akurateco included, for written answers that match your setup.