10 Best White-Label Payment Gateway Providers: Features & Pricing (2026)

The online payment market is developing military-paced, and companies across the globe are trying to find individualized payment methods that match their company image. The introduction of a White-Label Payment Gateway has become the ultimate answer to the companies interested in providing the smooth process of payment under their own brand name.

You may be a fintech start up, an e-commerce site, or a payment service provider, but the right White-Label Payment Gateway choice can be a big factor to the growth of your business and customer satisfaction. In this study, we discuss the best 10 providers by 2026, and in the process, you will be in a position to make a well-informed decision that will drive your business.

What Is a White-Label Payment Gateway?

White-Label Payment Gateway is a prepared solution that is used as a ready-parent payment gateway to be rebranded and provided by a business. You can consider it to be like buying an entire working payment system that can be customized to your brand and logo, colors, etc, from which it will seem as though you created them yourself. The technology enables firms to deliver payment services without spending millions to develop the infrastructure at a ground level.

White label payment gateway provides all the technical challenges of a payment gateway, such as transaction processing and security measures, as well as, the compliance and merchant onboarding requirements, as you concentrate on developing your brand and securing customer acquisition. It is a clever precedent when it comes to the payments business.

Technology Behind White-Label Payment Gateways

White label payment gateway is an intermediary of merchants, customers and financial institutions. On purchase by a customer, the gateway captures buy information in a safe manner and ciphers it. That encrypted information will be forwarded to the payment processor that will communicate with the bank of the customer to check whether there is some money. The bank will either accept or reject the transaction sending the feedback back through the processor to the gateway.

During this process, the white label payment gateway will retain the look and feel of your brand, and customers will have a smooth and branded experience in the checkout process. The provider manages the backend tasks such as fraud detection, PCI-DSS compliance, settlements management, and reporting and you retain absolute control over the customer facing interface, and the experience.

Major Benefits of White-Label Payment Systems

Brand Control and Consistency: Have all-inclusive control of your brand name during the whole payment process, and this fosters variable confidence and acknowledgement among the customers.
Shorter Market Entry: Within a few weeks, not years, launch your payment services, by removing the time-consuming development and regulatory approval process.
Cost-Effective Solution: Do not invest huge initial capital in technology infrastructure, development teams and compliance certifications which is needed to develop internal systems.
Opportunities to generate Revenue: Find more sources of revenue on transaction fees, subscription and value-added services as well as improving customer relationships.
Scalability and Flexibility: Grow your business easily and add new features, payment methods and currencies without having to reengineer your infrastructure.
Less Technical Bearing: Deliver security updates, compliance modifications, leaving the technical upkeep to the service provider as you concentrate on the business core activities.

White-Label Payment Gateway Pricing Models

Pricing Model	Typical Cost Range
Installation & Integration Cost	$5,000 – $50,000 (one-time)
Monthly/Annual Licensing Fees	$500 – $5,000 per month
Transaction-Based Pricing	0.5% – 2% + $0.10–$0.30 per transaction
Revenue Sharing Models	20% – 40% revenue share
Volume-Based Discounts	Lower rates at higher transaction volumes
Custom Enterprise Pricing	Custom / negotiated rates

Top 10 White-Label Payment Gateway Providers (2026)

1. PayKassma

Headquarters: Mumbai, India
Ideal For: Businesses seeking comprehensive payment solutions with extensive customization options

PayKassma has a powerful White-Label Payment Gateway that is capable of delivering flexibility and control to the modern businesses. Their platform has opportunities to serve several payment terms, currencies, and integrations, and it is ideal with firms that go beyond the national borders. PayKassma combines the power of sophisticated fraud detection software and real-time analytics to help business entities efficiently handle their payments without losing their distinct brand identity at any point of transaction.

Key Features:

Multi-currency support system
Advanced fraud detection
Customizable checkout pages
Real-time transaction analytics

Key Details:

Why Choose: Comprehensive features with excellent customization capabilities and competitive pricing structure
Pricing: Custom pricing based on transaction volume and specific business requirements
White-Label Use Case: Ideal for fintech companies and PSPs wanting complete brand control over payment processing
Link: https://paykassma.com

2. Stripe Connect

Headquarters: San Francisco, California, USA
Ideal For: Tech-savvy businesses and platforms requiring sophisticated payment infrastructure

Stripe connect is a robust white label payment gateway that has turned into the new standard in web platforms and marketplace. Stripe provides businesses with the ability to build tailored payment experiences with regard to exceptional developer documentation, and flexible APIs. Their system takes care of onboarding of merchants up until sophisticated payment flows, the site itself offers detailed analytics and full compliance services to international business.

Key Features:

Developer-friendly API integration
Automated merchant onboarding
Global payment coverage
Sophisticated compliance tools

Key Details:

Why Choose: Industry-leading technology with extensive documentation and proven reliability at scale
Pricing: 2.9% + $0.30 per transaction, with custom pricing for high-volume businesses
White-Label Use Case: Perfect for marketplace platforms and SaaS businesses managing payments for multiple merchants
Link: https://stripe.com/connect

3. PayPal Commerce Platform

Headquarters: San Jose, California, USA
Ideal For: Businesses wanting trusted brand recognition combined with white-label flexibility

PayPal Commerce Platform offers customizable white label payment gateway functionality and the reputation of the established brand, PayPal. The proposed solution enables companies to sell the full array of PayPal services without sacrificing their brands. The site also has the option of buyer and seller protection, vast fraud features, and access to millions of PayPal users across the globe, which is appealing to businesses looking more on security and consumer trust.

Key Features:

Extensive buyer protection
Multiple funding sources
International payment support
Integrated risk management

Key Details:

Why Choose: Leverage PayPal’s trusted reputation while maintaining your brand identity and customer relationships
Pricing: Starting at 2.59% + fixed fee per transaction, with volume-based discounts available
White-Label Use Case: Excellent for e-commerce platforms requiring trusted payment options with customizable branding
Link: https://www.paypal.com/commerce-platform

4. Adyen for Platforms

Headquarters: Amsterdam, Netherlands
Ideal For: Enterprise businesses and global platforms requiring unified payment infrastructure

Platforms Adyen is a White-Label Payment Gateway that is enterprise grade and serves the largest companies in the world. Their one platform concept does not complicate matters since it manages payments, payouts, and compliance in 150+ countries. Intelligent routing provides maximum authorization rates, whereas transparent pricing and reporting can provide businesses with all the controls over their payment transactions and business performance metrics.

Key Features:

Unified global platform
Smart payment routing
Risk management suite
Comprehensive reporting dashboards

Key Details:

Why Choose: Enterprise-level reliability with unified infrastructure handling global payment complexity seamlessly
Pricing: Interchange++ pricing model with transparent fees, custom enterprise agreements available
White-Label Use Case: Best suited for large-scale platforms managing complex, high-volume international payment flows
Link: https://www.adyen.com/platforms

5. Payoneer Payment Services

Headquarters: New York City, New York, USA
Ideal For: Businesses focused on cross-border payments and international marketplace operations

Payoneer payment Services is the best White-Label Payment Gateway company that provides international payment services. Their platform makes cross-border payments easier and allows the acceptance of payments in over 150 different currencies in more than 200 countries. With Payoneer a business of operating in the international freelancer payment and in the international marketplace, Payoneer is the one that provides competitive rates on foreign exchange, local receiving accounts throughout the globe and offers the services of mass payout, making it the best option.

Key Features:

Multi-currency receiving accounts
Competitive FX rates
Mass payout capabilities
Global compliance coverage

Key Details:

Why Choose: Unmatched expertise in cross-border payments with localized solutions for international businesses
Pricing: Transaction-based fees starting at 3%, with custom pricing for high-volume partners
White-Label Use Case: Ideal for global marketplaces and platforms paying international sellers or contractors
Link: https://www.payoneer.com/payment-services

6. Razorpay Route

Headquarters: Bangalore, India
Ideal For: Indian businesses and startups requiring comprehensive payment and payout solutions

Razorpay Route is an internationally expansion enabled feature-rich white label payment gateway targeting the Indian market. Their service is integrated to collect and give split payments and vendor payments, which are ideal in marketplaces and aggregator companies. The dashboard of Razorpay is real-time and their smart routing makes sure that there is maximum success rate of a payment when using various methods which are commonly used in India.

Key Features:

Automated payment splitting
Instant settlement options
Smart routing technology
Comprehensive Indian payments

Key Details:

Why Choose: Deep understanding of Indian payment landscape with modern technology and exceptional support
Pricing: 2% per transaction with no setup costs, custom pricing for enterprises
White-Label Use Case: Perfect for Indian marketplaces requiring split payments and multi-vendor management capabilities
Link: https://razorpay.com/route

7. WePay (Chase)

Headquarters: Redwood City, California, USA
Ideal For: Platforms requiring integrated payment processing with robust fraud protection

White labelled payment gateway services are provided by WePay with support of JPMorgan chases which are specifically targeted at software platforms. Their solution takes care of the full life cycle of payment such as merchant underwriting, fraud detection, and compliance. The vetting procedure of WePay secured platforms against risk and their unified API streamlined integration. The platform focuses on lowering the friction level of the onboarding process but with high standards in security.

Key Features:

Automated merchant vetting
Integrated compliance management
Platform risk protection
Unified payment API

Key Details:

Why Choose: Chase-backed reliability with platform-focused features protecting your business from payment risks
Pricing: Custom pricing based on platform size and transaction volume requirements
White-Label Use Case: Excellent for SaaS platforms embedding payments while minimizing compliance and fraud risks
Link: https://go.wepay.com

8. Paytm Payment Gateway

Headquarters: Noida, India
Ideal For: Businesses targeting the Indian market with diverse payment method requirements

Paytm Payment gateway is the largest White-Label Payment Gateway in India; it supports more than one hundred payment methods that include UPI, wallets, cards, and net banking, among others. Their platform handles billions of transactions each year and is the most reliable and uptime. Pay terms offer immediate settlements and personalized checkout services and comprehensive integration facilities. Their experience in the market and knowledge of the Indian taste and preferences makes them invaluable in businesses that have India as the main target. Paytm also offers a seamless UPI QR Code Generator feature integrated within its white-label payment gateway, enabling businesses to accept quick and secure digital payments effortlessly.

Key Features:

100+ payment methods
Instant settlement availability
High success rates
Mobile-optimized checkout

Key Details:

Why Choose: Market leadership in India with comprehensive payment options and proven infrastructure reliability
Pricing: Competitive transaction fees starting at 1.99%, with negotiable rates for high volumes
White-Label Use Case: Best for businesses heavily focused on Indian market requiring maximum payment method coverage
Link: https://business.paytm.com/payment-gateway

9. PayU

Headquarters: Hoofddorp, Netherlands
Ideal For: Businesses expanding across emerging markets in Asia, Latin America, and Africa

PayU works with a white label payment gateway which is highly present in the emerging markets characterized by high growth. Their platform helps 250+ local and international payment methods, knowing the local tastes and area requirements in different markets and their compliance standards. The technology of PayU to maximize authorization rates is through their local acquiring technology and their fraud management suite safeguards various businesses regardless of their risk profile and their geographical location as well.

Key Features:

250+ payment methods
Local acquiring optimization
Multi-market compliance
Advanced fraud prevention

Key Details:

Why Choose: Unrivaled emerging market expertise with localized payment solutions across high-growth regions
Pricing: Region-specific pricing models, typically 2-4% per transaction depending on market
White-Label Use Case: Ideal for businesses expanding across multiple emerging markets requiring localized payment expertise
Link: https://www.payu.in

10. Worldpay for Platforms

Headquarters: Cincinnati, Ohio, USA
Ideal For: Established enterprises requiring proven, scalable payment infrastructure with global reach

Worldpay for Platforms provides a white label payment processor on an enterprise level with decades of experience in processing payments. Their product supports websites of any scale, portfolio with tailored payment journeys, full reporting, and support teams. Worldpay is the company that supports complicated payment situations such as multi-party payments, subscriptions, and currency management on a global basis. Their established infrastructure helps to bill billions of dollars every year, and it is highly reliable at the time it is most needed.

Key Features:

Enterprise-grade infrastructure
Multi-party payment splits
Global currency handling
Dedicated support teams

Key Details:

Why Choose: Decades of proven expertise with enterprise-level infrastructure supporting massive transaction volumes
Pricing: Custom enterprise pricing based on volume, with transparent fee structures
White-Label Use Case: Perfect for large enterprises requiring proven reliability and comprehensive payment feature sets
Link: https://www.worldpay.com/platforms

White-Label Payment Gateway in India

Regulatory Compliance Benefit: The Indian white label payment gateway solution providers are aware of the regulations of the RBI and can comply with the regulations governing the local payment regime, KYC rules and settlement processes in an Indian banking system.
Multiple Payments Acceptance: Indian gateways are also excellent at accommodating national payment options such as UPI, Paytm, PhonePe, BHIM, Rupay cards, and net banking payments of 50+ banks to reach as many customers as possible and ensure conversion rates are maximized.
Cost Effective solutions: Indian suppliers tend to provide more competitive pricing models based on the markets of India and transaction fee is usually 20-30 percent cheaper on local transactions compared to international solutions.
Entry: A large number of Indian white label payment gateway providers provide same-day and instant settlement systems, which are better at cash flow management than the ordinary T+2 or T+3 settlement cycles typically experienced in international markets.
Local Language and Currency Localization: Local Indian support of various languages and smooth INR support makes the conversion complexities removed, and it gives customers improved customer experiences to India-specific businesses as well as their customers.
Healthy Digital Ecosystem: The digital payment framework in India is growing very fast and due to the government initiative such as Digital India, they are creating massive opportunities to white label payment gateway providers to offer their services to new market segments.

How to Choose the Best White-Label Payment Gateway

Test technical Abilities: Software quality (APIs): Determine the quality of your API documentation, the complexity of the integration, the supported payment methods, multi-currency functionality and scalability to guarantee that the platform is functional with your business at the moment and that it can be modified to manage your expanding requirements.
Compare Pricing Structures: Evaluate the total cost of ownership pursuant to set up fees, monthly licensing, transaction costs and concealed charges to learn the reality of pricing and make certain it meets your business model and projected volumes.
Check Compliance and Security: Check the certification of PCI-DSS, the standard of data encryption, the fraud prevention device, and compliance standards on your target markets to defend your business and your customers against security threats.
Review Customization Options: See branding options, UI customization, level of white-labeling, and API extensibility: This should ensure you can use these to present seamless, branded payment experiences how your customers will expect them to be.
Evaluate Support and Documentation: Test the availability of technical support, quality of documentation, assistance in implementation, and continued maintenance support to make sure that operations proceed smoothly and minimize the amount of time necessary to address problems that emerge.
Take into account Market Reputation: The track record of research providers, client satisfaction, up-time, and industry acceptance to estimate reliability so that you need to deal with a stable provider who will facilitate your long-term expansion.

Conclusion

The importance of the right white label payment service is a determining factor as it influences brand experience, operational efficiency and bottom line. The providers in this guide are the best in the industry with their own individual strengths depending on the nature of business. Be you a startup looking to move into the payments arena, an established company that is going international or is operating within a local market, a white label payment gateway is there and it is ready to drive your venture to success.

Think specifically about what you need: technical features and price; geographic reach and market customization features; and select a partner that matches up to your vision. Payment gateways are taking place in the future and having the correct white label payment gateway can allow your business to survive in this exciting and dynamic environment. Make the leap, make your brand stronger and change the way you accomplish payments in 2026 and beyond.

FAQs

How much time is the average setup time of a white label payment gateway?

The standard implementation time range of most of white label payment gateways based on customization needs, complexity of the technology and amount of integrations is 2-8 weeks although there are providers who can implement it in as little as two weeks in normal setup.

Is it possible to use a white-label payment gateway when I am not a registered payment company?

Yes, there are numerous white label payment gateway providers that provide their solutions to a wide range of types of business. You can, however, be required to have simple business registration and bank accounts, the requirements being specific depending on the provider and jurisdiction.

How do white-label and regular payment gateways differ?

The white label payment gateway enables total rebranding and customization using your brand name whilst the regular gateways show the name of the provider. White-label solutions have a higher level of control, brand regularity and earnings.

Are white label payment gateways safe to process transactions?

Yes, the white label payment gateway providers of good standing are in compliance with PCI-DSS, encrypted, have fraud detection, and have stringent security measures to guarantee safe carrying out of transactions and protection of data to all parties.

Is it possible that the payment gateway white-label providers can be changed in future?

Yes, change of providers is possible, though one should plan out the action. When moving to consider the possible inconveniences to your payment operations make sure to consider data migration, API reintegration, customer communication, and possible downtime.