What is a white label payment gateway?

As digital commerce expands, businesses need payment solutions that combine security, flexibility, and brand consistency. White-label payment gateways have emerged as a powerful way to offer seamless, branded payment experiences without building systems from scratch. Valued at USD 2.29 billion in 2024, the market is growing rapidly as companies look for multi-currency, customisable solutions that keep pace with global e-commerce.

Understanding white label payment gateways

A white-label payment gateway is a payment solution built by a third-party provider that businesses can brand and customise as their own. It lets you offer customers a secure, fully branded payment experience while the provider handles the technology, security, and compliance behind the scenes.

This means merchants can support multiple payment methods—from credit cards to digital wallets—without investing in complex infrastructure. It delivers the functionality of a full payment processor while keeping your brand front and centre.

How white label payment gateways work

White-label payment gateways follow the same process as traditional payment systems but add a branding and management layer:

1. Customer enters payment information – The buyer selects a payment method (credit cards, wallets, bank transfer, etc.) and enters details at checkout.
2. Gateway captures and encrypts data – Sensitive data is protected using encryption to ensure secure payments.
3. Routing to acquirer or payment processor – The payment gateway provider sends the information to the relevant acquirer or payment processor.
4. Authorisation from card issuer – The issuing bank validates the request and checks for available funds.
5. Approval or decline – The result is sent back through the gateway to the merchant and customer.
6. Funds settlement – If approved, funds are settled between acquirer and merchant according to agreed timelines.

White label vs traditional payment gateways

Key features of white label payment gateways

Customisation

Businesses can brand the checkout page with their logos, colour schemes, and UI preferences, ensuring customers have a consistent experience. Beyond visual design, some providers allow tailored workflows, custom payment fields, and different checkout styles depending on customer segments or regions.

Multi-currency support

These gateways enable merchants to accept payments in multiple currencies, helping businesses expand into global markets and cater to international customers. Settlement can often be made in the merchant’s preferred currency, which simplifies accounting and reduces conversion costs.

Wide range of payment methods

Gateways typically support credit cards, e-wallets, buy-now-pay-later options, and local payment methods through a single integration. Businesses can enter new markets and serve different customer preferences without developing separate payment connections for each method.

Fraud detection and compliance

Encryption, tokenisation, and AI-driven checks secure transactions while PCI DSS and local regulatory requirements are handled by the provider. Merchants don’t need to build their own fraud systems or constantly update processes to stay compliant.

Integration and APIs

Comprehensive APIs, SDKs, plug-ins, and webhooks make it easier to connect payment systems with existing platforms. Development teams can integrate faster, roll out new payment flows sooner, and reduce maintenance overhead.

Reporting and analytics

Most white-label gateways provide dashboards for monitoring transactions, reconciling settlements, and analysing performance. Advanced reporting often includes insights into authorisation rates, declined transactions, chargebacks, and geographic performance, which can guide better business decisions.

Advantages of a white label gateway

• Full brand control – Consistent branded payment experience across checkout pages, invoices, and customer communications. This strengthens customer trust and reinforces your business identity during every payment interaction.
• Faster time-to-market – Launch payments quickly without building infrastructure from scratch. White-label solutions provide ready-made compliance and processing capabilities so you can go live in weeks rather than months.
• Multiple methods and currencies – Catering to diverse customer preferences worldwide, from credit cards to local e-wallets, while also supporting settlements in multiple currencies. This flexibility helps you expand into new regions without needing separate integrations.
• Cost-effective routing – Reduce cross-border fees and improve authorisation rates via local acquiring. Efficient routing can directly lower processing costs and increase the likelihood of successful transactions.
• Improved customer experience – Secure payments with lower decline rates, quick authorisation, and simplified checkout flows. Customers complete purchases more smoothly, leading to higher conversion rates.
• Backend support – Compliance, encryption, and fraud detection are managed by the gateway provider. This reduces operational burden for your teams and keeps you aligned with industry standards and regulations.

How to choose the right white label payment gateway

When choosing a white-label payment gateway, decision-makers should evaluate the following:

• Branding and customer experience – The solution should offer full customisation, covering checkout pages, user interface elements, and customer communications.
• Supported payment methods – Look for comprehensive coverage, including credit cards, local payment options, digital wallets, and any methods relevant to your target markets.
• Multi-currency and regional coverage – The gateway should be able to process international transactions and support settlements in multiple currencies.
• Compliance and fraud detection – A strong provider manages PCI DSS requirements, data protection standards, and advanced fraud controls, reducing regulatory and security burdens on your team.
• Integration and onboarding – Simple, well-documented integration processes and smooth onboarding help you connect existing systems quickly and start accepting payments without major development work.
• Customer support – Reliable, responsive support is essential for handling disputes, technical issues, and time-sensitive incidents efficiently.

Key questions to ask providers

Who should consider a white label gateway?

• SaaS platforms that want to integrate payments into their offerings.
• Marketplaces needing multi-party settlements and branding.
• E-commerce aggregators seeking control over customer experience.
• Fintech startups that want to offer payments without building their own infrastructure.
• Enterprises expanding into new regions that need local acquiring and multiple currencies.

Conclusion

More businesses are turning to white-label payment gateways to power their growth. They offer the mix of branding control, flexibility, and infrastructure that modern commerce demands. Today, 65% of SMEs use these gateways, and more than half rely on them to expand globally. Antom plays a key role in this evolution, giving companies the tools to scale confidently and deliver seamless payment experiences across markets.