White-Label Credit Card Processing: How Does It Work?

What Is a White-Label Payment Gateway?

A white-label payment solution lets PSPs easily create their own processing services without starting from scratch. As a payment service provider, you can use the white-label gateway’s ready-made platform while applying your own branding. It feels like a completely unique service to your customers, even though it’s powered by the white-label provider’s strong and reliable software behind the scenes.

How Does White-Label Payment Processing Work?

Simply put, if you want your customers to accept Visa and Mastercard payments, there’s no need to build a complex payment system from scratch, wasting time, money, and effort. Instead, you can choose a white-label solution, customize it with your brand on your domain name, and just like that, your payment service is ready to go!

Key Benefits of Using White-Label Solution

As mentioned earlier, white-label gateways offer essential benefits for PSP startups. Let’s break them down:

Fast Market Entry

Building your own payment processing system is a complicated and time-consuming process that requires high initial investments. With a white-label solution, however, you can have your payment service up and running in just a few weeks — perfect for startups that want to enter the market quickly.

Cost Efficiency

Setting up software, connecting with banks, and meeting security standards can take years of hard work and cost fabulous money. A white-labeled solution allows you to avoid these extra expenses.

Business-Focused Approach

With ready-made white-labeled payments, you can focus on attracting customers and growing your business instead of dealing with technical issues.

Fully-Customized Payment Gateway

Most white-label solutions let you customize a payment page with your logo, colors, and design to match your brand fully.

Easy Scalability

White-labeled platforms let you accept multiple currencies and handle international payments, making it easy to expand your business into new markets.

How to Choose a Reliable White-Labeled Credit Card Processing Provider?

When picking a payment gateway, make sure to keep these points in mind:

• Reputation and Experience: Find out how long the white-label provider has been in business and which companies use their services. A trustworthy white-label provider will have good reviews and proven success cases.
• Technical Support: Look for a payment gateway that offers 24/7 support, clear documentation, and help with integration and testing.
• Cost: Check for transaction and subscription fees and any additional costs. Compare different white-label providers to find the best payment gateway fit for your budget and needs.

Best White-Label Payment Solution

beGateway by eComCharge is a reliable white-label solution for processing digital payments, trusted by businesses since 2011. With years of experience, the platform provides a stable and proven white-labeled service tailored to meet the needs of PSPs looking for a quick and secure way to launch their payment processing systems. Let’s consider its key benefits:

Fast and Easy Integration

beGateway makes integration of your payment service with merchant websites simple with options like API, widgets, and mobile SDKs. These white-labeled tools help you launch a fully functional payment processing service in just two weeks.

Global Card Brand Support

The platform supports major brands such as Visa, Mastercard, Discover, American Express, JCB, and UnionPay, among others, making its solution convenient for international customers.

Multi-Currency Support

With beGateway, you can allow your customers to process payments in all local and global currencies.

Secure Data Protection

beGateway is certified at PCI DSS Level 1, providing top-tier security for customer data — a must-have for any PSP handling digital payments.

White-Label Tokenization

The white-labeled platform uses local and global tokenization technologies like Visa Token Service (VTS) and Mastercard Secure Card on File (SCOF) to provide an extra layer of security.

How to Set up eComCharge Payment Processing Solution?

Setting up the white-labeled solution from eComCharge is easy and takes just a few steps:

• Sign the Agreement: Finalize the partnership terms by signing the license agreement with eComCharge, make the initial payment to begin setup, and provide your business requirements for a tailored solution.
• System Setup: You can opt for the SaaS version, which launches in about one week, or choose an on-premises deployment that requires approximately three months for a customized installation.
• Administrative Access: Obtain administrative access by receiving back-office credentials, which allow you to create user accounts and manage daily operations.
• Customize Your Back Office and Checkout: Use beGateway tools to design the back office and checkout page to match your brand.
• Testing: Test and configure your system by validating it in a sandbox environment, then add merchants, shops, and payment gateways. Try the system in test mode to ensure everything works smoothly.
• Integration Connectors: Leverage integration connectors by connecting to acquirers and payment systems through ready-made connectors, and request new ones for acquirers not yet supported.
• Go Live: Let your customers accept payments and use beGateway’s analytics tools to track and manage your system.

Conclusion on White-Label Payment Solutions

A white-label payment platform is a great option for startups and businesses looking to offer digital payments while keeping full control of their brand. eComCharge’s beGateway solution provides everything you need to launch a secure and reliable payment processing service quickly — from support for international credit and debit cards to full compliance with PCI DSS security standards. If you’re looking to create your own payment processing service with minimal time and effort, eComCharge is a partner you can trust.

FAQ

• What Is a White-Label Payment Solution? A white-label payment solution allows businesses to offer branded digital payments by leveraging a pre-built gateway, reducing development costs, and ensuring fast gateway deployment.
• How does the payment process work with debit, credit, prepaid, virtual, and other bank cards? The card details the customer enters on a secure payment page are transmitted to the payment gateway of the processing system. After conducting all the necessary checks and procedures, the processing system sends the card details along with a special request to process the payment transaction to the information network of the payment system (e.g., Visa, Mastercard, etc.). Through the payment system's information network, the card details are routed to the card issuing bank's processing center. The issuing bank processes the received transaction request internally and determines whether the payment is authorized or declined. This response is sent back along the same path to the processing system, which then notifies the buyer and the seller of the payment result.
• Should I Use Payment Gateway for My Business? Well, a payment gateway can help your business securely handle digital transactions, streamline operations, and provide a reliable white-label payment solution for efficiency and branding.
• What Is the Best Payment Gateway? The best payment gateway depends on your business needs, but trusted white-label payment solutions like eComCharge offer robust features, including multi-currency support and international transaction capabilities.
• Why Should I Choose eComCharge Payment Gateway? eComCharge provides a reliable white-label payment solution with fast set up as SaaS, PCI DSS compliance, and all the necessary tools to process digital payments securely across international markets.
• How Quickly Can I Set up a White-Label Solution? White-label payment gateways like eComCharge can be deployed within two weeks, offering a fully branded gateway for seamless digital payments.
• Is It Safe to Use a Payment Gateway? Yes, using payment gateways that are certified with PCI DSS standards is safe, as they protect sensitive data during transactions and payments.
• Is It Legal to Use a Payment Gateway? Sure, using payment gateways for digital payments is entirely legal, provided it complies with regional regulations and security standards.