White-Label Payment Gateway

What is a white-label payment gateway?

A white-label payment gateway is a payment processing solution that businesses can rebrand as their own. Instead of building a payment system from scratch, companies partner with a third-party provider that offers all the backend technology. The gateway handles transactions securely, while the business gets to customize the interface with its branding—logos, colors, and domain. This allows software companies, SaaS platforms, and financial service providers to offer fully branded payment experiences without investing in complex infrastructure.

Key Points

• A white-label payment gateway allows businesses to offer branded payment solutions without developing the technology in-house.
• It helps companies maintain brand consistency, speed up launch time, and earn revenue through transaction fees.
• White-label gateways are ideal for SaaS platforms, B2B tools, and marketplaces that want full control over the payment experience.

How a white-label payment gateway works

A white-label payment gateway typically works by allowing a software company to integrate with an existing payment gateway provider while hiding the provider’s name and branding. Customers see only the platform they signed up with—not the third-party processor behind the scenes. The ability to add a payment gateway without any code and keep your branding consistent through the checkout is a no-brainer for companies looking to accept payments.

For example, a B2B invoicing software might offer “in-platform payments” powered by a white-labeled solution. To the end user, it appears that the invoicing software is also the payment processor. But behind the curtain, companies like EBizCharge handle transaction routing, security, and compliance. The user experience is seamless, and the business can maintain brand consistency across its platform.

Benefits of using a white-label payment gateway

The biggest advantage is brand control. Companies can strengthen their brand identity by using a white-label gateway while offering a complete payment experience inside their app or platform.

It’s also faster and cheaper than building a gateway from scratch. The provider handles development costs, PCI compliance, and fraud prevention. Businesses can launch payments in weeks instead of years.

Another key benefit is revenue potential. Some white-label providers offer revenue-sharing models, allowing businesses to earn a percentage of transaction fees. That means more than just a better customer experience—it’s also a way to open a new stream of income.

Who uses white-label payment gateways?

White-label payment gateways are especially popular with:

• SaaS companies that want to offer payments directly in their software
• ISVs (Independent Software Vendors) seeking to add payments as a feature
• Marketplaces that want control over the buyer/seller experience
• B2B platforms that deal with recurring invoices or large payments

For example, a construction management app might integrate a white-label gateway to let contractors collect payments directly through the app, which is branded as if the app built the payment system.

White-label vs. traditional payment gateway

A traditional payment gateway, like Authorize.Net or PayPal, operates under its own brand. Customers know exactly who’s processing the payment—and the merchant has limited customization.

A white-label gateway, on the other hand, is invisible to the end user. The technology is the same, but the experience is fully branded for the business offering it.

If maintaining brand ownership and offering a unified platform experience is important, a white-label gateway is the better choice. However, a traditional gateway might suffice if speed and simplicity are the top priorities.