Embedded finance is redefining how businesses build services from scratch. In this article, we present leading companies in white label payment processing, offering insights into each provider. We focus on top white‑label payment gateway providers with standout credentials across merchant services, payment orchestration, real‑time reporting, and fintech payment solutions.
In our ranking, we profile ten firms that exemplify the best white‑label payment gateway providers, offering global reach, embedded finance support, and a fully branded platform from day one.
A fast‑track SaaS white‑label payment gateway built to help fintechs, PSPs, and platforms launch branded payment solutions quickly. Headquartered in Riga, Spell’s SaaS model reduces infrastructure risk while offering intelligent routing, custom branding, cascading logic and real‑time monitoring. They support over 100 payment methods in more than 100 currencies.
From merchant onboarding to settlement reconciliation, WeSpell delivers high availability (99.99 %), advanced fraud prevention, and live analytics built into its dashboard. Their clients include startups, banks, and ISOs looking for scalable, fully white‑label solutions with minimal time to market.
- Services and expertise: White‑label payment gateway, intelligent routing, cascading, analytics
- Team size: up to 50 experts
- Location: Riga, Latvia
- Portfolio: Luminor, Citadele, Revio, xpate, Kixy
Ikajo stands out for its support of both fiat and cryptocurrency payments within a comprehensive white‑label solution. Based in Amsterdam with global offices, Ikajo provides smart routing, cascading logic, advanced fraud and chargeback prevention, and dynamic currency conversion for over 100 currencies across 170+ countries.
Their dashboard offers real‑time reporting, subscription management and analytics, which makes them a versatile choice in merchant services, fintech payment solutions, and embedded finance contexts. Ikajo is widely recommended in rankings of best white‑label payment gateway providers.
- Services and expertise: Crypto + fiat, anti‑fraud, recurring billing, smart routing
- Team size: 100+ experts
- Location: Amsterdam, Netherlands
- Portfolio: Platforms across e‑commerce, fintech, and high‑risk verticals
Akurateco is a European‑based global software provider specialising in white‑label payment gateway and payment orchestration solutions. With more than 15 years of payment industry experience and support for over 500 payment connectors worldwide, they enable fintech companies and PSPs to onboard quickly and manage complex payment flows via smart routing and cascading logic. In February 2024, they earned Google Pay certification, underscoring their commitment to trusted and emerging payment methods.
- Services and expertise: White‑label gateway, payment orchestration, smart routing, fee constructor, fraud prevention, analytics, recurring billing
- Team size: Up to 60 experts
- Location: Amsterdam, Netherlands
- Portfolio: Platon, IneroPay, AzeriCard
Corefy delivers a powerful, globally distributed white‑label gateway with more than 650 payment service integrations, multi‑currency support, and localised multi‑language interfaces. Headquartered in London, with offices in Ukraine, the Netherlands, Israel, and Manila, Corefy is built for payment orchestration at scale.
Its strengths lie in smart routing engines, real‑time transaction optimisation, secure compliance with PCI‑DSS and risk rules, batch payouts, and an intuitive dashboard. Corefy’s comprehensive toolkit places it among the best/top white label payment provider options for enterprise platforms seeking total control.
- Services and expertise: Payment orchestration, routing, compliance, analytics
- Team size: 100+ experts
- Location: London, UK
- Portfolio: Large‑scale merchants, global platforms, fintech integrators
PayXpert (PayExpert) offers a fully scalable, secure white‑label gateway designed for fintech, acquirers, banks, and PSPs needing global support. Based in London, PayXpert supports over 170 payment methods and 150+ currencies, with 24/7 uptime, fraud tools and omnichannel capabilities.
Its features include tokenization, customizable checkout, and subscription management – key elements for embedded finance deployments. PayXpert is widely considered one of the best white label payment solutions in Europe for regulated environments.
- Services and expertise: Multicurrency processing, omnichannel, recurring billing, fraud prevention
- Team size: 100+ experts
- Location: London, UK
- Portfolio: Clarins, MaoMao, Hoff, La Padrera, Eurostar
Vienna-based IXOPAY specialises in payment orchestration and white‑label gateway solutions built for enterprise clients. Founded in 2014, with around 100 employees and offices in Austria and the US, IXOPAY connects merchants to hundreds of payment providers via a unified platform.
It offers smart routing, risk management rule‑sets, subscription control, real‑time reporting, reconciliation tools, and branding capabilities. IXOPAY is a go‑to for service providers exploring how to choose a white label payment provider with strong orchestration and compliance support.
- Services and expertise: Payment orchestration, routing, fraud tools, analytics
- Team size: 100+ employees
- Location: Vienna, Austria
- Portfolio: Grover, Super, Market Pay, Siemens, Etoro
EcomCharge is the developer of beGateway, a fully branded white‑label payment platform trusted by PSPs and acquiring banks. Operating since 2011, they maintain PCI DSS Level 1 certification and support over 170 payment methods and 150+ currencies. Their solution integrates with more than 40 e‑commerce platforms, mobile wallets (Apple Pay, Google Pay, Samsung Pay), and local connectors to serve both local and global markets efficiently.
- Services and expertise: White‑label payment gateway, PCI DSS compliance, smart routing, multi‑currency, tokenization, analytics, payment orchestration, merchant onboarding
- Team size: Up to 50 experts
- Location: Vilnius, Lithuania
- Portfolio: PSPs, European Banks, iGaming
PayCaps, based in the UAE, offers a regional white‑label payment platform popular across the Middle East and North Africa. Their modular structure supports integration with local and global payment methods, multi-language support, invoicing links, refund management, and smart routing, all under your brand identity.
Focusing on PCI‑DSS compliance, fraud prevention and performance dashboards, PayCaps empowers banks, e‑commerce platforms, and fintech providers to deploy tailored solutions faster. They rank among the best white label payment solutions for Middle Eastern markets.
- Services and expertise: Regional gateway, multilingual support, refunds, routing, analytics
- Team size: up to 50 experts
- Location: Dubai, UAE
- Portfolio: Acquirer banks, e‑commerce platforms, regional fintech initiatives
How to Choose a White Label Payment Provider
When selecting a partner, consider the following criteria:
- Customization and branding flexibility: ensure the gateway supports your look and feel end‑to‑end.
- Global reach and payment methods: support for cross-border cards, wallets, regional methods, multi‑currency.
- Security and compliance: PCI‑DSS Level 1, tokenization, fraud management tools.
- Scalability through payment orchestration: smart routing, cascading, flexible provider integration.
- Analytics and real‑time reporting: dashboards and reconciliation built for merchant services.
- Support and onboarding workflows: streamlined merchant onboarding, SLA, developer support.
These providers represent the best/top white label payment providers today. They offer deep expertise in fintech payment solutions, merchant services and payment orchestration. Whether you are in need of global reach, embedded finance support, or a fully branded platform from day one, there is a fitting solution in this list.
If you’re a white‑label payment gateway provider and want to feature your company on this list, email us or submit a form in the Top Choices section. After a thorough assessment, we’ll decide whether it’s a valuable addition.
