White-Label Payment Gateway: How Does It Work?

What Are White-Label Payment Gateways?

White-label payment gateways are ready-to-use software solutions that businesses can customize to fit their brand and offer customers as if they were their own service. They’re a smart way for businesses to step into payment processing quickly without the hassle of building and managing a complicated payment system from scratch.

The main idea is pretty simple: the payment gateway provider takes care of everything — software, security, compliance, and technical support. The business then puts its branding on this solution and gives customers a smooth and reliable way to process payments.

How Do White-Label Payment Gateways Work?

A white-label payment gateway is a so-called partnership between a solution provider and a business that wants to offer payment processing under its own brand. Here’s how it usually works:

• Partnering with a white-labeled provider: The business chooses a white-label payment gateway provider to get started.
• Branding and customization: The white-labeled provider gives tools to make the gateway look and feel like the business’s own. This includes adding the company logo, choosing colors, and tailoring the user experience. The payment gateway is in the client’s domain, ensuring complete brand alignment and customer trust.
• Integration with Connectors: The white-labeled provider offers ready-made integrations with acquirers and other payment systems, enabling clients to provide various international and local payment methods to their merchants. Additionally, the white-labeled provider develops new integrations with connectors upon client request, ensuring flexibility and adaptability to meet specific business needs.
• Integration with the platform: The payment gateway is connected to the business’s website or mobile app using APIs, pre-built modules, mobile SDKs, a hosted payment page, and a payment widget. Additionally, merchants can accept payments without integrating their site with the payment platform using payment links.
• Testing and launch: After everything is set up, the system is thoroughly tested to ensure it’s secure and works smoothly. Once it’s ready, the white-label software goes live on your platform.
• Support and updates: The white-labeled provider continues to handle technical support, updates, and security so the business can focus solely on growing and serving its customers.

Key Benefits of White-Label Payment Gateways

As mentioned earlier, white-label payment gateways are a great option, especially for start-up businesses looking to enter the payment processing market quickly and easily. The main benefits of using white-label payment solutions are the following:

Ready-to-Use Payment Solutions Under Your Brand

White-labeled gateways let businesses create a payment system that looks and feels like their own. You can easily match the payment solution to your brand by adding your logo, using your company’s colors, and including other design elements to make it uniquely yours.

Rapid Deployment of Payment Processes

Building a payment system from scratch can take a long time — sometimes months or even years even for the most basic initial version, which often lacks a full range of technical capabilities and essential integrations. But with a ready-made white-label solution, you can set up and launch payment processes in just one week as SaaS.

Affordable Way to Start Payment Processing

White-labeled payment gateways offer an affordable solution for businesses of all sizes to start processing payments efficiently. Companies can use a ready-made white-labeled solution at a set price instead of spending a lot of money to build their own software. This keeps start-up expenses low and helps make costs predictable.

Regulatory and Compliance Simplification Solutions

Regulations like PCI DSS are key to the payment industry. However, meeting these standards can be time-consuming, costly, and complicated, often requiring a dedicated specialist with the knowledge and experience to prepare the system for compliance audits and ensure successful certification. Payment solutions take the stress out of this process by letting the white-labeled provider fully handle compliance.

Full Technical Support

White-labeled providers offer round-the-clock support at every stage — from payment gateway setup and integration processes to everyday operations. This helps businesses avoid downtime and solve any issues quickly.

How to Choose a White-Label Payment Gateway?

Choosing the right white-label payment platform is crucial for your business’s success. Here are the key factors to consider:

1. Functionality: Ensure that the white-labeled platform supports major payment methods, such as cards, e-wallets, and mobile payments, as well as alternative payment options.
2. Customization: Look for payment gateways that let you fully personalize them. You should be able to add your logo, adjust the colors, and shape the user experience to fit your brand.
3. Ease of Integration: The white-labeled platform should offer pre-built modules for popular CMS systems or have an easy-to-use API. Additionally, the platform should provide mobile SDKs for accepting payments within mobile applications, a payment widget, and a multilingual payment page. It should also include the ability to generate payment links directly in the back office, allowing merchants to accept payments via any messenger, not just on their website.
4. Security: Check that the gateway complies with PCI DSS standards and protects customer data. Security is vital for building trust and keeping payment transactions safe.
5. User Feedback and Support: Ask for reviews from other businesses and check the quality of the white-labeled provider’s technical support. This will help you feel confident that the white-label platform chosen is stable and reliable.

The Best White-Label Payment Gateway to Know

eComCharge offers beGateway, a white-label payment gateway solution for businesses looking to provide branded payment services. The white-label platform allows full customization, helping companies match payment pages and admin panels to their brand identity. It supports various payment methods, including credit cards, Apple Pay, Google Pay, and Samsung Pay, and integrates seamlessly with over 40 e-commerce platforms, serving both local and global markets.

Security is a key focus for eComCharge. The platform complies with PCI DSS Level 1 standards and uses advanced tokenization technologies to protect payment data. Smart Routing features optimize transactions, lowering costs and reducing fraud risks. All the functionality the system offers makes eComCharge a trusted white-labeled provider for businesses looking to deliver secure, efficient, and branded payment services.

How to Start Using eComCharge White-Label Payment Software?

Integrating eComCharge’s payment software involves several easy steps. Here’s a step-by-step guide to assist you through the process:

Sign the Agreement

Finalize the license agreement with eComCharge, outlining the terms of your partnership. Make the necessary payment to initiate the setup process. Provide detailed information about your business needs to ensure a tailored setup experience.

System Installation and Configuration

• SaaS: Get your platform ready in just 1 week.
• Server Deployment: Allow approximately three months for a custom installation.

Gain Administrative Access

You will receive admin access to your system’s back office, which you can use to create new user accounts and manage operations.

Provide Employee Training

Organize online training sessions for your team to familiarise them with the system.

Activate Integration Connectors

• Use ready-made connectors to integrate with acquirers and payment systems instantly.
• Request development of new connectors for acquiring partners that are not currently supported.

Test and Configure Your System

To ensure a smooth launch, verify your credentials in the sandbox environment, add merchants and shops, and activate payment gateways.

Go Live and Start Processing Payments

Begin processing live transactions confidently with eComCharge’s reliable payment platform.

Scale with More White-Label Payment Features

Add advanced options like tokenization, smart routing, or recurring payments as your business grows. Integrate new connectors in the regions where you are scaling your business.

Conclusion on White-Label Payment Gateways

White-labeled systems are powerful tools for businesses looking to enter the payment market quickly and without hassle. They combine ready-to-use infrastructure with complete branding, giving your merchants secure and easy payment options under your name.

With white-label platforms like beGateway by eComCharge, you get instant access to advanced technology, reliable support, and scalability without the need to build a payment system from scratch. This is especially valuable for start-ups and acquiring banks allowing them to focus on growing their business instead of dealing with technical and regulatory issues.