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For payment service providers and acquirers

beGateway for European Banks

A ready-to-use white-label payment processing solution under your brand

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Why beGateway

Why European Banks Choose beGateway?

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  • 12+ years on the market
  • PCI DSS
    /
    3D Secure
    /
    GDPR compliant
  • Full integration support
  • Fast SaaS
    /
    On-Premise deployment
  • Apple Pay
    /
    Google Pay
    /
    Samsung Pay

Custom Processing

White-Label Payment Gateway & Processing System

Full branding for the bank (logo, design, domain)

A wholly branded payment gateway PCI DSS Level 1 compliant designed to reflect the PSP's or acquiring bank's brand, where every aspect of the payment system can be customised — from payment pages and admin panel to logos and buttons. The payment widget and checkout page are also fully customisable to ensure a cohesive and seamless brand experience.

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Two deployment models:

The system supports two deployment models: SaaS or installation within the bank's infrastructure.

SaaS (1-2 weeks)

  • NDA and contract signing.
  • Environment setup and branding customization.
  • Testing and production launch.

On-Premise (3+ months)

  • Infrastructure analysis.
  • System installation and integration within the bank's ecosystem.
  • Testing and personnel training.
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Payment Tools

Flexible Payment Management System

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Acceptance of card payments (Visa, Mastercard, UnionPay, and others).

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Support for Apple Pay, Google Pay, and Samsung Pay.

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Integration with local and alternative payment methods.

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Payment links available without integration:

  • Generated via the merchant backoffice.
  • Configurable expiration and transaction limits.
  • Easy sharing across communication channels.
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Customizable payment widget and checkout page:

  • Through the merchant back office.
  • Via the bank's admin panel.
  • Using API and CSS parameters.
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Transaction Control

Smart Routing, Fraud Prevention, and Risk Management

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Optimized Routing

Smart Routing

Automated transaction routing based on:

  • Fee optimization and limit management
  • Currency and regional preferences
  • Geolocation-based routing and restriction bypassing
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Trusted vs Untrusted

Smart Check

Traffic segmentation and adaptive processing:

  • Separating traffic into “trusted” and “untrusted” based on:
    • Source reputation
    • Transaction history
    • Bank-defined criteria
  • Applying simplified checks for trusted traffic
  • Enhanced fraud analysis for suspicious/untrusted traffic
  • Rapid updates of rules and policies per traffic type
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3DS & Risk Tools

Fraud Monitoring Tools

Robust protection and authentication:

  • 3D Secure 2.0 authentication
    • Automatic application or bypass by transaction type
  • Fraud detection & control:
    • Blacklist and whitelist management
    • Blocking transactions with sanctioned cards
    • Monitoring chargebacks, cards, suspicious transactions
  • Secure host-to-host integration:
    • Disabled by default for merchants
  • Activation only with bank approval for added control

Features

Financial & Multi-Currency Tools

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Financial & Multi-Currency Tools Real-Time Balances

  • Real-time balance updates for each merchant
  • Automatic calculation of PSP and acquirer fees
  • Flexible configuration of fixed and percentage-based fees

Auto Currency Conversion

  • Automatic conversion of transaction amounts from payment currency to acquiring currency
  • Selection of exchange rate sources
  • Option to increase the exchange rate by a predefined percentage
  • Automatic recalculation of amounts into the required acquiring currency
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Fee & Commission Setup

  • Flexible commission settings for different transaction types (payment, refund, cancellation, etc.)
  • Automatic fee calculation per transaction
  • Multi-currency commission rate support

Expense Control

  • Passing the fee to the payer (e.g., top-up fee for card payments)
  • Full control over acquiring-related expense logic
  • Tools to manage fee visibility and transparency for merchants and end users
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Custom Integrations

Integrations, Customization, and Additional Services

We offer 40+ CMS integrations including Shopify, WooCommerce, and OpenCart, along with fiscalization services tailored to regional regulations. For banks, we provide custom-built solutions such as split payments, marketplace transaction management, embedded finance tools, lending services, and API-driven integrations tailored to specific merchant needs.

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Bank-Ready Tools

Global-ready infrastructure

beGateway powers modern banks and PSPs with secure, fast, and customizable payment processing across regions.

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200+ TPS

Scalable to 200 transactions per second with real-time processing and system stability.

24/7 Support

Round-the-clock technical support in English and European languages.

2-7 sec

Handles delayed bank responses without interruptions or delays in processing.

12+ Years

Proven reliability across Europe with full PCI DSS Level 1 & GDPR compliance.

Frequently asked questions

SaaS deployment can be completed within 1-2 weeks, while On-Premise integration typically takes 3+ months, depending on infrastructure requirements.

We comply with PCI DSS Level 1 and support 3D Secure 2.0, while also providing built-in fraud monitoring and blacklist/whitelist management.

Yes, our platform allows full customization of fixed and percentage-based fees for different transaction types.

We support all card brands and local and popular APM, as well as Apple Pay, Google Pay, and Samsung Pay.

Yes, we provide automated real-time currency conversion and multi-currency balance management.

Yes, we offer API-based and host-to-host integrations, as well as custom solutions tailored to your bank's needs.

Yes, our support team operates 24/7 and provides assistance in English and other European languages.

Our system processes up to 20 transactions per second on a standard configuration, with scaling options up to 200 transactions per second.

We offer real-time transaction monitoring, financial performance reports, and fraud analysis tools.

We adhere to GDPR, PCI DSS, PSD2, and other regulatory requirements to ensure compliance with European banking standards.

Ready to enter online acquiring quickly and securely?

Contact us today, and we will help your bank launch a robust payment processing system in just weeks.

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