In 2025, white label payment gateways have become essential for businesses aiming to offer seamless, branded payment experiences without building infrastructure from scratch. 

Whether you’re a crypto startup, PSP, e-commerce brand, or trading platform, a customizable payment gateway allows you to process transactions under your own brand while leveraging proven technology. The right solution ensures security, scalability, and global reach, all while keeping your customers’ trust. 

In this post, we’ll explore the best white label payment gateways in 2025 to help you choose the perfect fit for your business.

What is a white label payment gateway?

A white label payment gateway is a payment processing platform that businesses can rebrand and use as their own. Instead of building a gateway from scratch, which requires years of development, licensing, and compliance work, a company can license an existing, proven system and customize it with its own branding. 

In simple terms, when someone asks ‘What is a white label payment gateway?’, it’s a ready-made payment solution that looks and feels fully native to your business.

These gateways handle the full payment flow: accepting cards, digital wallets, or bank transfers; routing transactions securely; and ensuring compliance with standards like PCI DSS. The provider manages all the technical aspects (including hosting, encryption, fraud prevention) while you control the user experience and branding. 

This makes them especially valuable for crypto companies, trading platforms, SaaS companies, and payment service providers who want to offer payment functionality without the cost and complexity of building a payment gateway themselves.

How do white label payment gateways work? 

A white label payment gateway works by allowing one company (the provider) to handle the technical side of payment processing, while another company (the reseller or merchant) rebrands and offers it as their own. The goal is to make payments smooth, secure, and fully branded — without building complex systems from scratch.

Here’s a simple breakdown of how it works step-by-step:

Integration and setup

The process begins with integration and setup. The business connects the white label payment gateway to its website or mobile app using ready-made APIs or plugins provided by the gateway provider. Once integrated, the gateway is customized with the company’s branding (including its logo, color palette, and domain name) so the entire payment experience feels native to the brand rather than a third-party service. 

During this stage, merchant accounts are also created and linked to enable the secure processing of transactions. This setup ensures that payments can flow smoothly under the business’s own identity while relying on the provider’s underlying infrastructure.

Customer payment process

Once the gateway is fully integrated and branded, it’s ready to handle live transactions. When a customer makes a purchase on the website or app, they enter their payment details - such as card information, digital wallet ID, or bank account details - directly within the branded checkout page. 

The white label payment gateway then encrypts this sensitive information and securely routes it to the acquiring bank or payment processor for authorization. The issuing bank (the customer’s bank) reviews the transaction, checks for available funds, and performs fraud and security checks. If everything is in order, the payment is approved; if not, it’s declined, and the customer is notified instantly.

Transaction authorization

Once a transaction is approved, the white label payment gateway sends an authorization message back to the business’s website or app, confirming that the payment was successful. At this point, the customer sees a confirmation page or receipt generated under the business’s brand. 

The approved funds aren’t transferred immediately; instead, they’re held temporarily while the settlement process takes place. During settlement, the acquiring bank collects the funds from the customer’s issuing bank and transfers them to the merchant’s account after deducting applicable fees.

Settlement and reporting

After the funds have been authorized and processed, the acquiring bank transfers the payment to the merchant’s account, deducting any applicable fees along the way. This stage is known as settlement, and it marks the final step in the transaction lifecycle. Once settlement is complete, the white label payment gateway provides detailed reporting and analytics tools. All fully branded to the business. 

Merchants can view real-time transaction data, monitor settlements, and access reconciliation reports within their own dashboard. This transparency helps businesses track performance, identify trends, and manage cash flow efficiently, all while maintaining a consistent, professional brand experience.

What are the features of a white label payment gateway?

A white label payment gateway offers a wide range of features that allow businesses to deliver a secure, branded, and seamless payment experience without building their own infrastructure. These features are designed to handle everything from transaction processing to compliance and reporting, all while maintaining your company’s look and feel.

Here are some of the key features of a white label payment gateway:

• Custom branding: Add your own logo, colors, and domain so customers see your brand throughout the checkout process.

• Multiple payment methods: Accept credit and debit cards, digital wallets, open banking payments, and local payment options.

• API and SDK integration: Easy integration with websites, mobile apps, and POS systems for flexible implementation.

• Multi-currency and localization support: Process payments in different currencies and languages for global reach.

• Advanced security: PCI DSS and PSD2 compliance, tokenization, and fraud detection tools to protect transactions.

• Comprehensive reporting: Real-time dashboards and analytics for tracking sales, settlements, and chargebacks.

• Merchant management tools: Onboard and monitor merchants, set pricing, and manage risk within your own platform.

In short, a white label payment gateway gives businesses complete control over their payment experience while leveraging reliable, enterprise-grade technology behind the scenes.

Benefits of using a white-label payment gateway

A white-label payment gateway empowers businesses to scale faster, strengthen brand presence, and reduce operational complexity. Here’s how it delivers tangible advantages that directly impact growth and profitability.

Cost effective

Using a white-label solution significantly reduces upfront and ongoing expenses. You avoid the high costs of software development, compliance certification, and infrastructure maintenance. Instead, you pay for a proven platform that’s ready to use, freeing up capital for marketing, sales, and business expansion. This makes it an ideal choice for startups and growing PSPs.

Custom branding

Every part of the payment journey, from checkout pages to receipts, can carry your brand identity. Consistent branding increases customer trust, improves conversion rates, and reinforces brand loyalty. The customer perceives the payment process as part of your ecosystem, not a third-party service.

Fast deployment

Speed to market is a critical advantage. White-label gateways come with pre-built APIs, documentation, and support teams, allowing integration within weeks instead of months. This agility helps businesses launch new products, enter new regions, or onboard merchants quickly without technical delays.

Global access

Most providers offer multi-currency processing and localized payment options like cards, open banking rails, and bank transfers. This lets you reach international customers effortlessly while settling payments in your preferred currency. Global access means faster growth and bigger reach. 

How much do white-label payment gateways cost? 

The cost of a white label payment gateway can vary depending on several factors — including system complexity, transaction volume, and the level of customization required. Most providers structure their pricing to include both an initial setup phase and ongoing operational costs. While exact figures differ by region and provider, the overall pricing model tends to follow a consistent pattern.

Typical cost components include:

• Setup or onboarding fee: A one-time charge that covers system configuration, integration, and initial branding.

• Recurring license or subscription fee: Provides continuous access to the platform, updates, and technical support.

• Per-transaction fees: Applied to each payment processed, either as a flat rate or a small percentage of the transaction value.

• Refund and chargeback fees: Incurred when payments are reversed or disputed by customers.

• Optional add-ons: Extra costs may apply for advanced features like additional APIs, integrations with new acquiring banks, or enhanced fraud protection tools.

In short, pricing is designed to scale with your business. Smaller merchants can start with basic plans, while larger payment providers often negotiate enterprise-level agreements with volume discounts and tailored support.

Which businesses use white label payment gateways? 

A white label payment gateway is used across a wide range of industries that require secure, scalable, and branded payment solutions. From ecommerce stores to trading platforms and crypto exchanges, these businesses rely on white label technology to process transactions efficiently while maintaining full control over their customer experience and brand identity.

Ecommerce

For ecommerce businesses, a white label payment gateway offers a seamless, branded checkout experience that builds customer trust and reduces cart abandonment. Instead of redirecting buyers to third-party processors, transactions happen entirely within the retailer’s domain. 

These gateways support multiple payment options (including cards, wallets, open banking, and local rails) ensuring convenience for global shoppers. They also provide real-time analytics, fraud prevention, and multi-currency support, helping online stores scale efficiently. 

By combining reliability, flexibility, and brand consistency, white label gateways enable ecommerce companies to deliver smoother transactions and stronger customer loyalty without the complexity of managing their own infrastructure.

Payment Service Providers (PSPs)

PSPs choose white label payment gateways because they deliver the control, reliability, and flexibility needed to support diverse merchant networks. With deep bank connectivity, strong uptime SLAs, and high-performance APIs, PSPs can offer consistent, real-time payment experiences without building or maintaining complex infrastructure. 

These gateways also simplify compliance with PSD2, GDPR, and PCI DSS, while providing advanced fraud prevention and data security. In addition, the fast integration, detailed reporting, and multi-flow support offered by white label payment gateways help PSPs onboard merchants quickly and manage operations efficiently. In short, white-label payment gateways let PSPs expand globally, protect margins, and strengthen their brand while staying fully compliant. 

For more information about leading PSPs like Mollie choose Ivy as their white label payment gateway provider, visit our PSP industry page.  

Crypto

Crypto businesses increasingly rely on white label cryptocurrency payment gateways to bridge the gap between traditional finance and digital assets. These companies process high transaction volumes and operate in a fast-changing regulatory environment, making flexibility, reliability, and compliance essential. A white label crypto payment gateway allows exchanges, onramps, and Web3 platforms to accept and settle payments seamlessly in both fiat and crypto, without having to develop complex infrastructure in-house.

Providers with deep industry and regulatory expertise are especially valued. Crypto merchants often face underbanking and fragmented coverage, so a crypto payment gateway white label solution that offers redundant collection accounts and multi-licensing support can make all the difference. This redundancy improves conversion rates, ensures transaction continuity, and reduces payment friction, particularly across jurisdictions.

Another major driver is scalability. A white label crypto payments gateway solution gives merchants unified access to multiple payment functions, from onboarding and reconciliation to payouts and settlements, all through a single integration. That simplicity helps crypto platforms go live faster, expand globally, and maintain financial stability even as transaction volumes grow.

In short, white label crypto payment gateways help crypto companies enhance conversion rates, strengthen compliance, and scale confidently. All while maintaining full brand ownership and operational control.

For more information about why top crypto platforms like Kraken and Guardarian choose Ivy as their white label payment gateway provider, visit our crypto industry page. 

Trading

Trading platforms (including forex, CFD, and stock brokers) often turn to white label payment gateways to manage high transaction volumes securely while keeping full control over their brand and user experience. Like crypto companies, they operate in a tightly regulated and fast-moving environment, where payment reliability and compliance are non-negotiable.

A white label gateway enables brokers to accept deposits, process withdrawals, and manage client funds through a single, integrated platform. This reduces the complexity of connecting to multiple banks or payment providers and helps ensure uninterrupted service, which is a critical factor when markets move quickly. Redundant payment routing and multi-licensing setups also help maintain uptime and coverage across regions, even when one payment rail experiences disruption.

For trading firms, conversion rates and speed are key. A reliable gateway with optimized APIs and real-time settlement capabilities improves funding success and reduces friction for traders topping up their accounts. Compliance features — such as KYC/AML checks, transaction monitoring, and audit trails — support alignment with regulatory frameworks like MiFID II, AMLD5/6, and other regional financial regulations.

Ultimately, trading companies choose white label payment gateways because they combine scalability, stability, and compliance in a way that allows them to focus on client acquisition and market performance rather than payment infrastructure.

For more information about why top trading platforms choose Ivy as their white label payment gateway provider, visit our trading industry page.  

Best white-label payment gateways for businesses in 2025

In 2025, businesses are demanding more from their payment partners, including greater flexibility, global reach, and brand control. The top white label payment gateway providers are meeting those needs with scalable infrastructure, seamless integrations, and advanced security. Below are some of the best options leading the market this year.

Ivy 

Ivy delivers a next-generation white label payment gateway built for PSPs, trading platforms, crypto businesses, and financial institutions that need reliability at scale. Combining open banking infrastructure with real-time settlement and stablecoin connectivity, Ivy provides a unified platform for global payments that is designed to reduce costs, increase conversion, and streamline compliance.

Ivy product suite includes: 

• Instant Payments: Real-time bank transfers via open banking rails that eliminate card fees and chargebacks.

• Borderless Accounts: Multi-currency accounts and virtual IBANs for streamlined treasury management and fiat–stablecoin settlement.

• Instant Payouts: Near-instant withdrawals and refunds through SEPA and Faster Payments.

• FX and On/Off Ramp: Seamless conversion between fiat and digital currencies via a single API.

In addition, Ivy offers the following benefits: 

• Deep expertise in the crypto, PSP and trading industries 

• Access to 5,000+ banks through a single API connection

• Dual licensing as a Payment Institution and VASP for seamless fiat to crypto operations

• Real-time payments with transparent pricing and instant reconciliation

• Built-in compliance covering AML, KYC, and regional regulatory standards

• Smart routing and fallback logic that drive higher conversion rates

• Scalable infrastructure designed for high-volume, cross-border transactions

Together, these capabilities give businesses the ability to plug Ivy into their existing systems and activate only the payment functions they need. This flexibility means faster launches, simpler integrations, and complete control over how payments are managed. All without the cost or complexity of building new infrastructure.