Best White-Label Payment Gateways

This list includes the most notable providers currently shaping the industry, so you can evaluate and shortlist the options worth considering. Vendors are listed in no particular order. We looked at the official websites and documentation of these providers.

Akurateco

Akurateco is a payment technology provider built by a team with 50 years of combined founders’ experience in the online payments industry. The platform combines a white-label payment gateway with built-in orchestration, letting PSPs, acquiring banks, and payment companies launch a fully branded solution instead of building one from scratch.

Akurateco offers:

700+ integrated banks and payment methods worldwide
PCI DSS Level 1 certification, tokenization and vaulting (including network tokenization), and 150+ configurable fraud rules with 3D Secure 2.0 support
Smart routing and cascading to improve approval rates and reduce processing costs
Advanced real-time analytics, reporting, and automated reconciliation
A fully brandable, customizable system tailored to your business
Dedicated account management and support as part of Payment Teams as a Service

Deployment: Cloud, dedicated, or on-premises.

Crypto support: Whitepay and Aquanow integrations, supporting 200+ cryptocurrencies for checkout and payouts.

Trade-off: Akurateco offers more flexibility than most mature, less adaptable competitors, but a white-label system still cannot match fully independent, custom-built software when it comes to deep customization. For most PSPs and acquiring banks, that is still worth it in exchange for launching in weeks instead of years.

Akurateco is not a payment processor. It provides gateway and orchestration layers that sit on top of acquirers, banks, and payment methods, routing and managing transactions rather than settling them directly.

Best for: PSPs, acquiring banks, and payment companies that want to launch a branded gateway fast, without building and maintaining the infrastructure themselves, or scale an existing payment business.

Nuvei

Nuvei offers Nuvei for Platforms, an embedded payments solution that lets marketplaces, platforms, and enterprise merchants build branded checkout, payout, and seller-management flows directly into their own product, either fully white-labeled or Nuvei-branded.

Nuvei offers:

700+ payment methods for improved cross-border business growth
PCI DSS compliance
Full control over the transaction flow
Detailed analytics and reporting engines
Fully white-labeled or Nuvei-branded checkout and payout experience
Dedicated customer support and a simplified onboarding process

Deployment: Cloud-hosted only.

Crypto support: Around 40 cryptocurrencies, with built-in fiat-to-crypto conversion and stablecoin settlement.

Trade-off: Nuvei for Platforms is built for embedding payments into an existing platform or marketplace. It is not designed for a PSP or acquiring bank that wants to launch its own independent, resellable payment business, which is the model most other vendors in this guide follow.

Best for: Marketplaces, platforms, and enterprise merchants that want to embed branded payment and payout flows into their own product.

Ikajo International

Ikajo International is a global payment service provider, processing payments directly for merchants. Alongside that core business, it also runs a dedicated white-label payment gateway built specifically for high-risk merchants and the payment providers that serve them.

Ikajo offers:

100+ payment methods across 150 countries, with custom connector development available on request
Real-time monitoring, dispute management, and third-party anti-fraud tools
Smart routing and cascading to grow the approval rate
Payment calendar and reconciliation tools for financial planning and bank-statement matching
Full branding control over the payment page, including logo, company name, and styling
Merchant onboarding and setup documentation handled as part of the white-label rollout, plus 24/7 customer support

Deployment: Cloud-hosted only.

Crypto support: Cryptocurrency is listed among supported payment methods on ikajo.com; no specific number of supported cryptocurrencies is disclosed.

Trade-off: It is built for high-risk merchants. A PSP working mostly with low-risk, standard merchants does not need all that risk tooling, while a provider built for low-risk businesses would likely be simpler.

Best for: High-risk merchants and payment providers that need acquiring coverage, routing, and risk tools.

BlueSnap

BlueSnap is primarily a global payment processor and registered Payment Facilitator (PayFac). It also offers a genuine white-label product, BlueSnap Embedded Payments with PayFac-as-a-Service, aimed at software platforms and SaaS companies that want to embed and resell branded payments to their own customers.

BlueSnap offers:

100+ currencies, 100+ payment types through one integration
Fraud prevention and compliance tools, including PCI DSS support
Payment orchestration for routing and optimization across BlueSnap’s network
A white-labeled hosted onboarding application, or a Create Merchant API for a fully custom onboarding flow
Full branding control over checkout, onboarding, and reporting
Dedicated account management and technical support, including implementation specialists for partners

Deployment: Cloud-hosted only.

Crypto support: Accepts and pays out in 15 cryptocurrencies via BitPay.

Trade-off: BlueSnap’s white-label product runs on its own PayFac registration and infrastructure. It is built for software platforms embedding payments into an existing product, not for a PSP or acquiring bank that wants to launch an independent, self-owned payment business the way most other vendors in this guide are built for.

Best for: Software platforms and SaaS companies that want to embed and resell branded payment processing to their own customers.

Tranzzo

Tranzzo is a payment technology company offering a dedicated white-label product, built for PSPs and payment companies that want to launch payment services under their own brand without building the infrastructure themselves.

Tranzzo offers:

180+ payment methods and 330+ providers and banks through one integration
Built-in anti-fraud tools and PCI DSS-certified infrastructure
Cascading to redirect failed transactions automatically, and routing between banks and PSPs based on region, currency, and payment method
Real-time analytics and a settlements dashboard for tracking available and in-clearing funds
A customizable gateway environment with full white-label branding
24/7 support, with a dedicated account manager throughout the engagement

Deployment: Cloud-hosted only.

Crypto support: Cryptocurrency is listed among supported methods.

Trade-off: It can let a PSP or acquiring bank cover both standard and high-risk merchants through one vendor, which may simplify things versus managing two. That said, high-risk tooling built by a specialist may go deeper, and it is worth confirming whether high-risk coverage falls under the same contract.

Best for: PSPs, payment companies, and enterprise merchants across standard and high-risk verticals that want to launch a branded payment service quickly.

Hyperswitch

Hyperswitch, built by Juspay, is open-source payment orchestration software for technical teams that want to unify and route across the payment processors they already work with. It offers a genuinely brandable checkout layer, and in an embeddable context, Hyperswitch can function as a white-label payment orchestration platform.

Hyperswitch offers:

300+ PSPs and acquirer integrations through a single API
Tokenization and card vault capabilities; PCI DSS 4.0 ready on the managed/hosted tier
Dynamic routing and smart retries across connected processors
A reconciliation dashboard matching across merchant, PSP, and bank data
A branded, customizable checkout UI, plus embeddable white-labeled components for platforms to manage sub-merchant payment setup in-app
Community support via Slack and GitHub for the open-source tier

Deployment: Cloud-hosted or self-managed.

Crypto support: Supports crypto payments via a wallet-based checkout flow.

Trade-off: It is built for SaaS platforms and marketplaces embedding payment management into their own product for their own sub-merchants, not for a PSP or acquiring bank that wants to launch an independent, resellable payment business the way most other vendors in this guide are built for.

Best for: SaaS platforms and marketplaces that want to embed a branded, white-labeled orchestration layer into their own product.

Paydock

Paydock is, by its own description, primarily a payment orchestration platform that can be fully white-labeled. Banks resell it to their business banking customers, and enterprise merchants or marketplaces use its Master Merchant Platform to manage branded sub-merchant networks across subsidiaries and vendors.

Paydock offers:

50+ direct processing partners, 100+ more via partnered connections
PCI DSS Level 1-compliant tokenization, a token vault, and a PSD2-compliant payment module
Automated failover and rerouting to backup payment methods on failed transactions
A dashboard with transaction visibility and settlement reporting
Full white-label branding for banks and master merchants, extending to statements, dashboards, and support documentation
A dedicated support team

Deployment: Cloud-hosted only.

Crypto support: Not disclosed.

Trade-off: Its white-label branding is real and deep, but it wraps an orchestration layer, not a gateway with acquiring relationships already in place. A PSP or bank choosing Paydock still has to arrange its own underlying PSP or acquirer connections before a branded checkout can actually process a payment.

Best for: Banks reselling a white-labeled orchestration layer to their business banking customers, and enterprise merchants and marketplaces that need a fully branded way to manage sub-merchant accounts.

White-label crypto payment gateway support

Crypto support is not a checkbox everyone needs. A PSP whose merchants sell physical goods to retail customers can usually skip this section entirely. A PSP whose merchants sit in iGaming, exchanges, or cross-border remittance cannot. Acquiring banks tend to land somewhere in between: crypto is not the reason they start looking, but it often becomes the reason a shortlist narrows once merchants start asking for it.

Crypto support shows in the assets it accepts, who holds the funds in between, whether payouts land in fiat or crypto, and how transactions are screened for compliance.

Vendor	Crypto support
Akurateco	A Whitepay integration handles checkout and payouts in 200+ cryptocurrencies. A separate Aquanow integration adds institutional-grade crypto liquidity and settlement.
Nuvei	Yes. Around 40 cryptocurrencies are supported, with built-in fiat-to-crypto conversion and stablecoin settlement.
Ikajo	Cryptocurrency is listed among supported payment methods, alongside e-wallets and remittance systems.
BlueSnap	Yes. A BitPay integration supports Bitcoin, Ethereum, Dogecoin, Litecoin, and other cryptocurrencies, plus several stablecoins.
Tranzzo	Cryptocurrency is listed among supported methods.
Hyperswitch	Yes. Crypto is supported through a wallet-based checkout flow.
Paydock	Not disclosed.

Accepted assets and stablecoins

A large advertised number, often in the hundreds, usually reflects that processor’s reach rather than curated support. Bitcoin and Ethereum account for most of the real volume. Stablecoins are worth checking separately since they are pegged to a fiat currency and remove price-swing risk and suit cross-border payouts better than retail checkout. A vendor’s coin count matters less than what is actually live, whether stablecoins are on that list, and whether specific assets can be switched off for compliance reasons.

Custody

In most setups, a specialized third-party processor takes possession of the asset, confirms it on-chain, and handles conversion, not the gateway itself. That is worth asking a vendor directly, since it determines who bears the risk if a payment stalls or the processor has an outage.

Fiat settlement

A crypto payment can convert the moment it clears, or it can sit in crypto or a stablecoin for a while, and that timing decides who carries the risk. Most retail merchants want the first option, where a fixed amount hits the account that matches the invoice, no exchange-rate guesswork. Cross-border payouts often go the other way, since settling directly in a stablecoin skips wire fees and delays entirely.

AML screening

Crypto payments carry the same anti-money-laundering obligations as any other payment rail. Wallet addresses get checked against sanctions lists and known high-risk activity before a transaction clears. Skip that step, and the fallout looks a lot like failing to screen a wire transfer. Almost all of this work happens on the crypto processor’s side, not the gateway’s.

Advantages of white-label software

A white-label payment gateway removes the two biggest costs of building payment infrastructure yourself: money and time. For a PSP, acquiring bank, or payment company deciding whether to build or license, the advantages break down into six concrete areas:

No development cost. The development of a payment gateway can cost real money. If that is a financial burden a PSP or payment company cannot take on right now, opting for a white-label solution can be the way to go.
Fast go-to-market. Given that an average integration with a white-label system takes from a week up to one month, it speeds things up for PSPs and payment providers all set and ready to start their operations.
No maintenance costs. PSPs and payment companies that opt for a white-label payment gateway solution do not have to worry about maintenance costs because they are not their responsibility. Updating, upgrading, and innovating are all on the technology vendor.
Increased brand reputation. Providing a smooth transaction flow and a variety of checkout options to meet the needs of customers from different locations and with different shopping habits can help a PSP or acquiring bank boost its reputation.
Customer loyalty. While new customers are more likely to trust their transaction processing to a company with a strong brand reputation and image, existing clients are more likely to stay with their current provider as long as it offers an uninterrupted checkout experience and solid security measures.
Instant access to hundreds of payment integrations. Simply choose a white-label payment provider with an extensive integrations list, and in an instant, a PSP or acquiring bank has access to a variety of connectors.

If you are comparing options, understanding the cost structures will help narrow down which platform fits both technical and financial expectations.

White-label payment gateway cost

The most common question PSPs, acquiring banks, and payment companies have is about the cost of a white-label payment gateway. While the question is perfectly fair, the answer is not always straightforward, as pricing depends on several variables, including feature set, level of customization, integrations, compliance requirements, and support.

Creating a custom payment gateway costs anywhere from $100,000 to $300,000 or more in development alone (ScienceSoft, 2025), depending on complexity, required certifications (e.g., PCI DSS), infrastructure, and development time (usually 6-11 months).

White-label payment gateway solutions eliminate the need for costly upfront investments in infrastructure, compliance, and product development while providing access to a proven, tested, and scalable platform. This enables companies to go live in weeks rather than years and start generating revenue sooner.

If you’re looking to have more control over your payment processing, you may also want to explore how to create your own payment gateway.

White-label payment gateway pricing structure

Although the cost of a white-label payment gateway differs from one provider to another (more on that below), most providers follow the same pricing structure. It includes:

Setup fee: a one-time fee covering the initial payment gateway configuration to tailor the system to the client’s needs.
Recurring fees. As white-label payment gateways are typically distributed on a subscription basis, companies pay an ongoing monthly or annual fee for their services.
Transaction fees: a fee charged per transaction processed through a gateway.
Additional fees: charges for any additional services, such as feature or integration development, PCI DSS compliance assistance, 24/7 customer support, etc.

Another important thing to mention is that white-label payment gateway costs can vary significantly from one client to another. And here is the list of factors that affect the pricing:

Transaction volume. Most payment gateway providers offer tiered pricing based on the customer’s transaction volume. Clients with higher transaction volumes will likely benefit from better pricing, while those with fewer transactions may incur higher transaction fees.
Customization needs. Offering a standardized payment solution, white-label payment gateway providers adjust pricing based on the level of customization the customer requires. Payment companies needing extensive customization in terms of branding and feature adjustment are likely to pay more than those with fewer requirements.
Regions of operation. Since some regions, like the Kingdom of Saudi Arabia, require additional compliance with local regulations, such as hosting payment infrastructure inside the country, compliance with them may incur extra costs.
Additional fees. Charges for any extra services specified by the client.

Factors such as transaction volume and the level of customization required can directly influence white-label payment processing costs.

Provider-specific costs

As you already know, the costs also differ from one payment provider to another. There are several reasons for this:

Market position. The most well-known providers on the market may charge premium prices, while newly established players might offer more competitive rates.
Technology and infrastructure. Software providers offering the latest payment infrastructure and technology may charge more due to the higher development and maintenance costs, as well as greater demand.
Customization and flexibility. There are various vendors on the market: some try to meet every client’s unique needs, while others don’t. Typically, the price will depend on the level of system customization.
Additional factors. Some additional factors that may influence the price include the number of integrations, the quality of support, and geographical coverage.

Overall, pricing depends on the client’s setup. The more advanced the routing, compliance, and customization requirements, the higher the price tag.

It is an industry norm not to publish a fixed rate, since the real cost depends on transaction volume, integration scope, and the specific features a PSP or payment company selects. The most reliable way to get an accurate number is to reach out to the vendor directly. That conversation also surfaces whether their roadmap and support model actually fit what you are building.

Reseller and ISO fit

ISOs, payment-focused agencies, and software vendors resell white-label gateways for the same reason PSPs adopt them directly. Building acquiring relationships and compliance infrastructure from scratch takes years. Reselling an existing platform under your own brand is much faster. But it also entails carefully selecting infrastructure for every onboarded merchant.

That scale is why the software’s sub-account structure matters, since one merchant’s data has no business being visible to another. Fast onboarding matters just as much. Resellers sign merchants faster than a direct PSP does, and if the process is manual, it simply will not keep pace. The same pressure shows up in revenue-share reporting, which needs to break commission data out per merchant, or someone ends up doing that math by hand every month.

Last but not least, branding should get the same scrutiny. A checkout page is easy to brand in almost any setup, but statements, dashboards, and support correspondence are where a merchant actually notices the underlying vendor’s name if a gateway was not built to hide it.

Choosing a white-label gateway for the US market

A PSP handing its entire merchant base’s card data to one vendor is trusting that vendor’s security completely. Level 1 is the only PCI DSS tier that requires an independent audit by a Qualified Security Assessor and a full Report on Compliance rather than a vendor’s own self-assessment. Given how much depends on that vendor doing security right, it is worth confirming the vendor’s actual, current Level 1 status.

As for payment methods, ACH and eCheck still dominate B2B, subscription billing, and high-ticket transactions in the US. A gateway built primarily around card rails elsewhere may treat ACH as an afterthought, with slower settlement or limited handling for failed transfers and returns.

Routing a US cardholder’s transaction through an acquirer based outside the country tends to lower approval rates and raise costs. That shows up directly as lost revenue. A transaction that would have gone through with a domestic acquirer is instead rejected. So, local acquiring is one of the first things to confirm.

Money transmitter rules are not federal. They are set state by state, and most states provide some form of exemption for authorized delegates or agents acting on a licensed entity’s behalf, though the exact terms and scope vary by state and are worth confirming against the CSBS Money Transmission Modernization Act. Data privacy adds another layer on top, with some states running their own rules alongside federal ones. A vendor with real experience across that patchwork can help deal with these challenges.

Conclusion

Whether you are a PSP, an acquiring bank, or a payment company, choosing white-label payment solutions requires understanding your options. The market keeps on growing, and with it grows the number of white-label software providers that you should evaluate carefully. Start by matching each vendor’s core model to your own. From there, weigh compliance, level of customization, crypto support if necessary, and pricing structure.

Considering a white-label payment gateway for your business?

Book a Demo today and check out Akurateco’s PCI DSS-certified white-label payment gateway solution.

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FAQ

What is the best white-label payment gateway?

There is no single best option. It depends on your compliance requirements, deployment model, features, and operational needs. A PSP, acquiring bank, or payment company launching a branded gateway is best served by Akurateco. If that is a PSP, payment company, or enterprise merchant launching a branded payment service instead, Tranzzo fits. Serving high-risk merchants calls for Ikajo. Embedding payments into an existing SaaS product favors BlueSnap, or Hyperswitch for an open-source, self-hosted option. Running a marketplace with split payments and seller payouts fits Nuvei, while a bank reselling a white-labeled orchestration layer should look at Paydock.

How much does a white-label payment gateway cost?

Most vendors quote custom pricing after evaluating the client’s feature set, level of customization, integrations, and transaction volume, typically combining a setup fee, recurring fees, and per-transaction fees. The most reliable way to get an exact number is to request a quote for your setup directly from the vendor.

Do white-label payment gateways support crypto?

Vendors that cater to high-risk verticals like iGaming, forex, and crypto exchanges are more likely to offer it. Coverage, custody, and settlement details vary a lot by vendor, so it is worth confirming directly rather than assuming from a features page.

Can I resell a white-label payment gateway?

Yes. Reselling is common among ISOs, payment-focused agencies, and software vendors. Before signing on, look at how the platform handles sub-accounts, how fast onboarding is, whether commission data is broken out by merchant, and whether the branding extends past checkout to statements and support.

Vendor	Best fit	Key strengths	Connector / payment method coverage	Pricing model / notes
Akurateco	PSPs, acquiring banks, and payment companies that need customizable white-label payment infrastructure to launch fast or scale an existing payment business	White-label gateway, 700+ integrated banks and payment methods, smart routing, cascading, real-time analytics, reporting, and custom connector/integration development Deployment: Cloud, dedicated, or on-premises	700+ integrated banks and payment methods	Quote-based. Fees are discussed individually per client, based on transaction volume, product type, and integration choice.
Nuvei	Marketplaces, platforms, and enterprise merchants that want to embed branded payment and payout flows into their own product	Global payment acceptance, multiple integration options, transaction flow control, analytics, reporting, PCI DSS compatibility, and support Deployment: Cloud	700+ local and global payment methods	Quote-based. Custom enterprise pricing must be confirmed directly with the vendor.
Ikajo International	High-risk merchants and providers that need acquiring coverage, routing, and risk tools	Recurring billing, smart routing, cascading, analytics, dispute management, monitoring, and multiple integration options Deployment: Cloud	100+ payment methods, 150+ countries	Quote-based. Vendor-specific pricing is set by risk profile and required services.
BlueSnap	Software platforms and SaaS companies that want to embed and resell branded payment processing to their own customers	Global processing, local acquiring, payment orchestration, fraud prevention, compliance tools, embedded payments, PayFac-as-a-Service, and reporting Deployment: Cloud	100+ currencies, 100+ payment types through one integration	Quote-based. Custom pricing must be confirmed by region, payment method, and processing volume.
Tranzzo	PSPs, payment companies, and enterprise merchants across standard and high-risk verticals that want to launch a branded payment service quickly.	White-label PSP and gateway options, customizable gateway environment, multiple providers, cascading, routing, and security tools Deployment: Cloud	180+ payment methods, 330+ leading PSPs/banks	Quote-based. Custom pricing for white-label setup depends on provider coverage.
Hyperswitch	SaaS platforms and marketplaces that want to embed a branded, white-labeled orchestration layer into their own product	Open-source orchestration, routing, retries, tokenization, card vault, embeddable white-labeled components, and modular architecture Deployment: Cloud-hosted or self-managed	300+ PSPs and acquirer integrations	Open-source + infrastructure. Free, self-hosted core; subscription or quote-based pricing for the managed/hosted version.
Paydock	Banks reselling a white-labeled orchestration layer to business banking customers, and enterprise merchants and marketplaces managing branded sub-merchant accounts	Payment orchestration, white-label branding for banks and master merchants, customizable platform, PCI and PSD2-compliant module, tokenization, and payment service connectivity Deployment: Cloud	50+ direct processing partners, 100+ more via partnered connections	Quote-based. Custom pricing; confirm scope of orchestration and required services.

Best White-Label Payment Gateway Software

What is white-label payment gateway software?

How we selected these vendors