Best White Label Payment Gateways: 9 Providers Compared (2026)
Dominic Tarn
Head of Content - Reverb
08.04.2025
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 nine firms that exemplify the best white‑label payment gateway providers, offering global reach, embedded finance support, and a fully branded platform from day one.
Quick answer: A white label payment gateway lets you sell payment processing under your own brand while a provider runs the technology. The nine providers below include SaaS gateways such as Spell, orchestration platforms such as Corefy and IXOPAY, and regional specialists such as PayCaps for the Middle East. Most charge a mix of setup, monthly platform and per-transaction fees, and only a few publish their prices.
White Label Payment Gateways At A Glance
Compare where each white label payment gateway provider is based and who it suits best. Full profiles follow below.
Provider
HQ
Best for
Founded
Pricing model
1. Spell
Riga, Latvia
Fintechs, PSPs and platforms that want to launch quickly on a SaaS gateway
2018
Not published
2. Ikajo
Amsterdam, Netherlands
Businesses that need both fiat and cryptocurrency payments
2003
Not published
3. Akurateco
Amsterdam, Netherlands
Companies wanting white label gateway software from a European provider
2019
Not published
4. Tranzzo
Kyiv, Ukraine
Marketplaces, SaaS providers, fintechs and large retailers
2017
Custom tariffs per client
5. Corefy
London, UK
Large-scale merchants and global platforms needing many payment methods
2018
Monthly plan plus per-transaction fee above included volume
6. PayXpert
London, UK
Fintechs and merchants that need a scalable gateway with wide payment method support
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
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.
Akurateco is a European‑based global software provider specialising in white‑label payment gateway and payment orchestration solutions. Founded in 2019 by payment industry veterans, and with 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.
Tranzzo provides a flexible, full-stack white-label payment platform designed to serve businesses of all sizes with global reach. Supporting hundreds of acquiring banks and payment methods, multi-currency processing, and user-friendly multi-language interfaces, Tranzzo ensures seamless financial operations for companies worldwide. With its headquarters in Kyiv and additional presence across Europe, the company focuses on building adaptable payment solutions tailored for rapid scaling.
Its key advantages include advanced payment routing, real-time fraud prevention, PCI DSS Level 1 certification, recurring billing, mass payouts, and an easy-to-navigate merchant portal. Tranzzo’s feature-rich infrastructure makes it a strong choice for enterprises, SaaS platforms, and marketplaces aiming to streamline their payment workflows.
Services and expertise: Payment gateway, fraud prevention, analytics
Location: London, England
Portfolio: Marketplaces, SaaS providers, fintech companies, large retailers
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
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.
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
Most providers quote on request, but pricing usually combines three parts:
Setup or integration fee: a one-time charge for configuring the platform, applying your branding and connecting your first acquirers or payment methods. Some providers fold this into the subscription.
Monthly platform or licence fee: a recurring charge for using the gateway software, often tiered by transaction volume or features.
Per-transaction fee: a small charge for each processed transaction, sometimes only above a monthly allowance. This is separate from the acquirer and card scheme fees your merchants pay.
Corefy is one of the few providers on this list with a public pricing page. Its plans combine a monthly fee with a set number of included transactions and charge per transaction above that allowance, for example €0.06 per extra transaction on its Standard plan at the time of writing. Add-ons such as a white-label pack, custom payment pages or premium support are billed separately. Other providers, including Tranzzo, set tariffs per client, so ask for a written quote that covers all three parts before you compare.
White Label Payment Gateway Reseller Programs
A white label payment gateway reseller program lets a company sell payment processing under its own brand while the provider runs the underlying technology. Resellers are often ISOs, agencies, software platforms, banks or fintech startups that want to offer payments to their own merchants without building a gateway from scratch.
Most programs include:
A fully branded merchant experience: your logo, domain, checkout pages, merchant dashboard and emails.
Merchant onboarding tools: application flows, KYC and underwriting workflows, and account management for the merchants you sign up.
Connections to acquirers and payment methods: access to cards, wallets and local methods through the provider’s existing integrations.
Reporting and billing: dashboards to track volume, set merchant pricing and reconcile payouts.
Compliance support: PCI DSS compliant infrastructure, tokenization and fraud tools maintained by the provider.
Before joining a program, check how merchant pricing and revenue sharing work, which regions and industries are supported, who is responsible for underwriting and chargebacks, and how much technical and sales support you will receive.
Frequently Asked Questions
What is a white label payment gateway?
A white label payment gateway is payment processing software built by one company and rebranded by another. The reseller or platform offers it to merchants under its own name, logo and domain, while the provider handles the technology, security and connections to banks and payment methods. It lets businesses launch a payment offering much faster than building their own gateway.
How do white label payment gateway resellers make money?
Resellers typically earn a margin on transaction fees, charging merchants more than the rate they pay the gateway provider. Many also charge setup fees, monthly account fees or fees for extra services such as fraud tools, reporting or currency conversion. The exact model depends on the provider’s pricing structure and the reseller’s agreements with its merchants.
What is the best white label payment gateway?
The best white label payment gateway depends on your markets, the payment methods and acquirers you need and how much you want to customize. Compare providers on supported regions, integrations, onboarding time, compliance support and how branding and reseller pricing work.
What are the top 5 payment gateways?
Among general payment gateways, Stripe, PayPal, Adyen, Checkout.com and Worldpay are some of the most widely used worldwide. They are built for merchants that accept payments directly. If you want to offer payments to your own merchants under your own brand, a white label provider such as those on this list is the better fit.
How much does a white label cost?
It depends on the provider and your volume. Expect a mix of a one-time setup fee, a monthly platform or licence fee and per-transaction charges, as described in the pricing section above. Few providers publish full price lists, so ask each one for a written quote based on your expected transaction volume, markets and payment methods.
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.
