The best white label payment gateway for you is the one that matches your business model, not the one with the biggest name. Do you need a branded checkout, or a full financial stack under your own brand? Answer that first, and the shortlist shrinks fast. In our experience working with fintechs and platforms, that single question saves teams months of wasted evaluation.
A white label payment gateway lets you offer branded payment processing under your own name. The provider runs the technology, compliance, and card networks. Your customers only ever see your brand.
This guide compares seven leading white label payment gateway providers. I look at branding flexibility, compliance coverage, integration speed, cost, and scalability. Building a payment gateway from scratch can top $1 million and take years. White label solutions get you to market in days, and the provider carries the compliance load. Here are the seven I would put on your shortlist.
White Label Payment Gateway Providers: Quick Overview
Short on time? Here are my top picks by category:
- Best overall white label payment gateway → ConnectPay
- Best for developer-first integration → Stripe
- Best for enterprise white label → Adyen
- Best for fast setup → PayPal for Partners
- Best for SaaS recurring billing → Braintree
I break down each one below, with pricing benchmarks, compliance notes, and the business type it fits best.
Best White Label Payment Gateway Providers
1. ConnectPay
Best for: Fintech platforms, marketplaces, and digital businesses needing a fully branded, compliant white label payment gateway with embedded financial infrastructure.
I will be upfront: this is our platform. ConnectPay suits teams that want more than a branded checkout. We give you a full embedded finance stack, and you brand all of it: accounts, cards, payments, and compliance.
Here is what that looks like in practice. We issue white-label cards, both business and personal, on white-label debit card infrastructure you launch under your own name. We hold an EMI license, so you get regulatory cover without applying for your own. On payments, we connect you to SEPA and SWIFT, and we open dedicated multi-currency IBAN accounts so you collect funds locally.
Compliance runs natively. We build AML and KYC into the platform, not on top of it. Take a lending platform onboarding borrowers: it can run KYC, issue a branded card, and settle repayments through one API, all under its own brand.
Our integration is API-first, so you build a fully branded experience rather than bolt on a generic gateway. Merchant services, including card acquiring, round it out.
This is where we go past a standard white label payment gateway. Most white label payment solutions stop at processing. We deliver the infrastructure around it. That fits fintechs, neobanks, marketplaces, SaaS platforms, and lending platforms. Explore our white-label cards and full embedded finance stack to see how it connects.
2. Stripe
Best for: Developer-first businesses building custom branded payment experiences via API.
Stripe is one of the most widely used platforms offering white label payment gateway-style functionality, mainly through Stripe Connect. Connect lets platforms and marketplaces onboard sub-merchants, route payments, and manage payouts inside their own product.
Stripe wins on developer experience. The docs are thorough, the SDKs cover every major language, and the community is huge. That speeds up integration for technical teams. Take a marketplace paying out hundreds of sellers: it can onboard each one through Connect, then split and route payments programmatically.
So, is Stripe a white label provider? Not exactly. Stripe offers white label-like capabilities through Stripe Connect, and you can build a branded flow on top of its infrastructure. But it is not a dedicated white label payment gateway provider. Branding control and infrastructure depth stay more limited than what purpose-built providers like ConnectPay or Akurateco offer. Your customers may still hit Stripe-branded elements in some flows.
Stripe fits companies with strong engineering teams that want flexibility and will build much of the branded experience themselves. If you expect a fully packaged white label solution out of the box, you will do more custom work than you planned.
3. Adyen
Best for: Enterprise platforms needing white label payment infrastructure at scale.
Adyen is an enterprise-grade white label payment gateway solution built for large organizations moving high volumes across borders. Many global brands run on it. Its strength is unifying payments across channels and regions.
The white label offering is Adyen for Platforms. It lets marketplaces and software platforms embed payments, onboard sub-merchants, and manage payouts under their own brand. Adyen holds global acquiring licenses, so it processes payments directly in many markets instead of routing through third parties. That lifts authorization rates and gives you more control over the flow.
Adyen also brings advanced fraud detection and risk management. It scores transactions using data across its entire network, then blocks the suspicious ones. Take a global retailer running Black Friday: Adyen can screen a spike in orders in real time without slowing checkout. For enterprises, that protection matters.
The trade-off is complexity. Adyen sets a higher entry threshold and runs a more involved onboarding than lighter providers. It does not fit startups testing an idea. It fits large enterprises with the volume and resources to use its scale. If that is you, few providers match it.
4. Akurateco
Best for: Payment companies and ISOs needing a dedicated white label gateway platform.
Akurateco earns its spot among the best white label payment gateway providers as a true specialist. It does not bolt payments onto a broader product. It gives payment companies and ISOs a purpose-built gateway they run as their own.
Its pricing works well as a benchmark. Akurateco charges a $4,500 setup fee and $2,000 per month. That positions it as a mid-market option for teams serious about running a branded gateway, not a casual test.
The platform centers on performance and control. Cascading routing retries failed transactions across different acquirers, which lifts approval rates. Take a PSP whose primary acquirer declines a batch of payments: Akurateco reroutes them automatically, so more transactions clear. Multi-acquirer support keeps you off a single processor, and built-in anti-fraud tools guard the flow.
What Akurateco does not give you is a full financial stack. There are no IBAN accounts, no card issuing, no embedded banking layer. It is a specialist white label payment gateway, not an embedded finance provider. If you want exactly that focused capability, it is a credible, well-regarded pick worth a shortlist.
5. PayPal for Partners
Best for: Businesses wanting fast white label checkout setup with strong consumer brand trust.
PayPal for Partners brings something rivals cannot match: instant consumer trust. When customers see a familiar checkout, they convert. That trust is a real asset for eCommerce and SMB platforms, so it belongs in any white label payment shortlist.
You get white label capabilities through two routes. PayPal for Partners lets platforms embed PayPal payments into their own products. Braintree, PayPal’s developer arm, supports more customizable and branded checkout flows. Together they cover a lot of ground, from simple buttons to fuller payment experiences. Take a niche eCommerce platform launching fast: it can drop in Braintree, brand the checkout, and start taking payments in days.
Setup beats infrastructure-grade providers on speed. You start accepting payments quickly, which matters when you lack a long engineering runway.
There are trade-offs. Transaction fees run higher than many alternatives, and they add up as you grow. Branding flexibility also stays more limited than dedicated white label payment gateway providers offer, since the PayPal identity often stays visible.
For platforms that value speed, trust, and reach over deep brand control, PayPal for Partners fits well. For a fully invisible provider, look elsewhere.
6. Checkout.com
Best for: High-growth digital businesses needing white label payment processing with global reach.
Checkout.com is a performance-focused white label payment gateway solution built for businesses scaling across markets. High-growth digital companies choose it for reliable processing, strong data, and room to expand.
Global reach is its core strength. It supports a wide range of currencies and payment methods, and it connects directly to card networks. Those direct connections lift authorization rates in different regions. Take a subscription business expanding into three new countries: it can add local payment methods without stitching together separate providers.
Advanced fraud tools sit at the center. Checkout.com uses machine learning and configurable rules to catch fraud, so you decide how to balance risk against conversion. A high-volume merchant can tighten rules during a suspected attack, then loosen them once it passes.
The architecture is API-first, which supports real white label integration. Developers build payment experiences under their own brand, not a generic checkout. That control suits teams that care about the customer experience.
Pricing is custom and enterprise-oriented, set by negotiation rather than a public rate card. That points Checkout.com at businesses already at scale, not early-stage startups. For high-growth companies with global ambitions, it is a strong contender.
7. WLPayments
Best for: Payment service providers and acquirers building fully branded gateway products.
WLPayments rounds out my list as a dedicated specialist. Like Akurateco, it exists specifically for white labeling, which makes it one of the best white label payment gateway options for teams launching their own branded gateway product.
The platform is purpose-built for the job. It offers multi-currency and multi-acquirer support, so payment service providers route transactions smartly and serve customers across markets. That flexibility is exactly what PSPs and acquirers need when they run a gateway as a core product, not a side feature. Take an acquirer entering a new region: it can add a local acquirer to its routing logic and keep approval rates high.
WLPayments fits payment companies that want to bring a branded gateway to market without building the technology in-house. It handles the underlying processing, and you own the brand and the customer relationship.
It is less known than Stripe or PayPal, and it does not carry the same brand recognition. For its target audience of PSPs and acquirers, that barely matters. What matters is a capable, focused platform, and WLPayments delivers. Keep it on any serious shortlist of specialist gateway providers.
White Label Payment Gateway Providers: Comparison
Here is how the seven providers compare at a glance:
| Provider | Best For | Setup Time | Compliance Handled | Multi-Currency | White Label Depth |
|---|---|---|---|---|---|
| ConnectPay | Fintechs, marketplaces, and teams needing embedded finance | Days, API-first onboarding | Full, EMI-licensed with native AML and KYC | Yes, multi-currency IBANs via SEPA and SWIFT | Full stack: accounts, cards, payments, compliance |
| Stripe | Developer-first platforms building custom flows | Days for technical teams | Partial, handled through Stripe Connect | Yes, broad global currency support | Limited, white label-like via Connect |
| Adyen | Large enterprises processing high volumes | Weeks, involved onboarding | Full, global acquiring licenses | Yes, wide international coverage | High, but enterprise-focused |
| Akurateco | Payment companies and ISOs running a gateway | Weeks, $4,500 setup fee | Gateway-level, plus anti-fraud tools | Yes, multi-acquirer routing | High, gateway only, no accounts or cards |
| PayPal for Partners | eCommerce and SMBs wanting fast launch | Fast, quick to go live | Partial, managed by PayPal | Yes, multiple currencies supported | Limited, PayPal brand often visible |
| Checkout.com | High-growth digital businesses scaling globally | Weeks, enterprise onboarding | Full, PCI DSS and fraud tooling | Yes, wide currency and method coverage | High, API-first branded integration |
| WLPayments | PSPs and acquirers launching branded products | Weeks, specialist setup | Gateway-level, compliance-aware | Yes, multi-currency and multi-acquirer | High, gateway only, purpose-built |
Setup time and white label depth vary widely, so match the provider to your priorities before you commit.
Benefits of White Label Payment Gateways
Why pick a white label payment gateway over building from scratch or using a standard third-party gateway? I see the case play out across a few clear dimensions.
Brand consistency comes first. A white label payment gateway strips out third-party logos and keeps customers inside your experience. Every touchpoint carries your brand, so users trust the flow and do not bounce mid-transaction.
Cost efficiency follows. Building payment infrastructure in-house burns money. White label payment solutions can save you up to $1 million versus building from scratch, because you skip the engineering, licensing, and network integration.
Speed to market seals it. You can launch a white label payment gateway in 5 to 7 days, not the months or years a custom build demands. Take a SaaS team adding payments to its product: it can go live in a week and start charging customers.
Compliance moves off your plate too. The technology partner carries the heavy load, including fraud detection and transaction monitoring, so you stay aligned with the rules without hiring a compliance team on day one.
Two more benefits round it out. You open new revenue streams, since you earn from commissions and transaction fees. And you control the user experience, so you tailor the payment flow to your customers instead of accepting a template. To see how this extends into the wider stack, explore leading embedded finance providers.
How to Choose the Best White Label Payment Gateway
Choosing a white label payment gateway comes down to matching the provider to your model and stage. Here is how I work through it with teams.
Start with your use case. An e-commerce store, a SaaS company, a marketplace, a fintech, and a bank all need different things. Define yours before you compare the best white label payment gateway options, so you measure providers against real requirements.
Then look at total cost. Standard providers charge setup fees in the $500 to $5,000 range, plus monthly infrastructure fees. Factor both in alongside transaction costs, and model your expected volume.
Check compliance next. Confirm the provider handles PCI DSS and complies with regional data laws in your markets. This protects you and your customers, and it is non-negotiable.
Test the rest before you sign. Assess how much branding and UI you can control, since some white label payment gateway providers allow full customization and others leave their brand visible. Run an integration test against your existing systems. Decide whether you need just a gateway or a full embedded finance stack with accounts, cards, and compliance. And confirm the provider scales as your volume climbs.
Priorities shift by business type. Fintech startups should lead with compliance coverage and speed to market. SaaS platforms should prioritize recurring billing and API flexibility. Marketplaces need multi-vendor payment flows and currency support, while e-commerce businesses focus on checkout conversion. Banks and financial institutions should weigh regulatory alignment and white label depth.
Is White Labeling Illegal?
No. White labeling is legal, and businesses practice it across many industries, including payments, software, and financial services. Rebranding another company’s product or technology as your own is a standard model, and the white label payment sector runs on exactly this arrangement.
The key requirement is compliance, not legality. The underlying provider must hold the right licenses for the service, such as an EMI license, PSP registration, or an acquiring license. The white label business must also meet the regulatory obligations in its own market, including consumer protection, data, and financial rules.
So the rule is simple. Meet the licensing and regulatory conditions on both sides, and white labeling a payment product is a legitimate, well-established practice. It is how many successful fintechs and platforms launch.
Launch Your Branded Payment Experience
The best white label payment gateway is the one that fits your business. Your choice hangs on your model, compliance needs, branding goals, and transaction volume. There is no single right answer, only the right answer for you.
A developer-heavy startup may love Stripe’s flexibility. A global enterprise may need Adyen’s scale. A payment company may want the focused control of a specialist gateway.
If you run a European business and need full financial infrastructure under your own brand, I would point you to ConnectPay. We pair EMI licensing, white-label cards, embedded compliance, and API-first architecture, so you get accounts, cards, payments, and compliance in one branded stack.
Whatever you choose, think long term. Pick a white label payment gateway that grows with your business, not one you outgrow and replace. Migrating providers later costs time and disrupts customers. Choose infrastructure that scales from the start, and you keep your focus on building your product instead of re-platforming your payments.
FAQs: White Label Payment Gateway
What is an example of a white label payment gateway?
ConnectPay is a leading example. It offers a fully branded gateway alongside embedded finance features like cards and accounts. Other examples include Akurateco and WLPayments, both dedicated white label specialists, plus Stripe Connect, which provides white label-like capabilities for platforms.
What is the difference between a white label and a private label payment gateway?
People often use the terms interchangeably. In practice, white label usually means a ready-made solution you rebrand with your name. Private label can imply a more customized product built to your specifications. Both let you sell payment services under your own brand.
How much does a white label payment gateway cost?
Costs vary by provider. Standard setup fees run from $500 to $5,000, plus monthly fees. Akurateco, for example, charges $4,500 to set up and $2,000 per month. Enterprise providers use custom pricing, so request a quote based on your volume.
Which white label payment gateway is best for fintech startups?
ConnectPay fits fintech startups well. It brings an EMI license, embedded compliance, and a full financial stack. You get accounts, cards, payments, and regulatory cover in one platform, so you launch fast without building infrastructure from scratch or waiting on your own license.
