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5 Best White-Label Payment Gateways in 2024

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Embarking on the journey of starting a payment processing company requires a comprehensive understanding of the pivotal role played by a reliable payment gateway.

While the demand for such a tool is exceptionally high, the complexities involved in developing one from scratch can be overwhelming for fledgling startups. However, an enticing alternative lies in the realm of white-label payment gateways. 

In this exploration, we will delve into the essence of payment software, elucidate its benefits and drawbacks, and guide you through the process of selecting the best white-label payment gateway from the array available in the market.

In addition to that, we will illuminate the most notable players on the market:

  • Ikajo
  • Akurateco
  • Corefy
  • Boxopay.

What Is The White-Label Payment Gateway?

A white-label payment gateway serves as a software solution, streamlining Internet payments, enhancing checkout conversions, and facilitating the acceptance of debit and credit cards by merchants. This customizable gem encompasses all the essential functionalities sans a specific brand identity. Choosing a white-label payment gateway not only proves to be more cost-effective than developing one from the ground up but also expedites the implementation process, mitigating the challenge of a dearth of expertise within your team.

What Functionality Do White-Label Payment Gateways Usually Include?

An essential consideration in evaluating a dependable white-label solution lies in ensuring the presence of vital components. While specifics can differ among vendors, it is imperative to verify that the chosen solution encompasses the following key elements:

  • Secure payment page
  • Merchant portal
  • Provider back-office
  • API documentation
  • Testing interface
  • Support functions.

White-label payment gateway solutions redefine the payment landscape with their core functionalities.

  1. Distinctive user experience.

Customize colors, fonts, logos, and more for a unique payment gateway appearance.

  1. Tailored payment forms.

You can provide forms to suit specific business needs, ensuring a seamless payment process for customers.

  1. Global transactions.

Support multiple currencies, simplifying payments for customers worldwide.

  1. Effortless integration.

Seamlessly integrate merchant accounts for secure transaction processing and fund management.

  1. Robust security measures.

Bolster defenses with advanced fraud detection and encryption protocols, safeguarding sensitive information.

For Whom Is A White-Label Payment Gateway Essential?

Payment Service Providers (PSPs)

At the forefront of the online transactions revolution are PSPs, who reap unparalleled benefits from the integration of white-label payment solutions. This strategic adoption facilitates the swift establishment of transaction processing businesses, presenting PSPs and intermediaries like ISO/MSP with a fast track to operational prowess.

Online Acquirers

For acquirers navigating the intricate landscape of secure payment processing, the white-label solution emerges as a boon. Not only does it drastically reduce development timelines, but it also presents a robust gateway to expedite and fortify their payment processing capabilities.


In the traditional banking sector, where reliance on PSPs is commonplace, a paradigm shift beckons. Traditional banks possess the potential to venture into creating their own affiliated PSP, wielding the capabilities of a white-label payment gateway. This strategic move empowers banks to oversee online payments internally, eliminating concerns about third-party security and unlocking substantial cost-saving avenues.

E-commerce Giants

E-commerce behemoths, while traditionally tethered to PSPs and other solution providers, find liberation through the adoption of a proprietary white-label gateway platform. As businesses scale, the constraints of dependency fade away. Beyond this newfound autonomy, the proprietary gateway significantly slashes processing costs, enabling large e-commerce entities to chart custom routing strategies and enhance overall management, culminating in increased sales.

Core White-Label Payment Gateway Advantages

Facilitating market entry

White-label payment gateways redefine and significantly reduce the time needed to kickstart full-fledged operations. Choosing this option means a mere couple of months for customization, fine-tuning, and deployment, a sharp contrast to the prolonged process of crafting a proprietary solution, which could stretch beyond a year to create a minimal viable product.

Efficient cost management

Creating a payment gateway from scratch entails substantial financial commitments, covering expenses for specialists, software design, development, testing, and ongoing support, with an investment exceeding $1 million. In contrast, the best white-label payment gateways provide a budget-friendly alternative, starting from $2,500. This not only reduces costs but also includes customer support and assistance from adept vendor specialists.

Expert support

Developing a payment gateway requires more than just skilled developers; it demands system architect-level expertise for a truly functional solution. Acquiring such specialized talent is challenging and doesn't guarantee covering all necessary nuances. Opting for a white-label payment gateway opens doors to battle-tested solutions with proven implementations, coupled with indispensable support from providers. This encompasses guidance on hardware selection and navigating the complex landscape of diverse regulatory requirements spanning various regions.

Tailored flexibility for your business

Distinguishing itself through adaptability, the white-label payment gateway emerges as a customizable solution tailored to meet unique business demands. While custom software offers a comparable level of personalization, the accompanying costs are notably more substantial. Choosing a white-label solution guarantees that the foundational gateway is equipped with essential functionalities, providing the freedom to seamlessly integrate additional features that align with specific business requirements or project aspirations. 

Top White-Label Payment Gateways in the Market


Pioneering the forefront of the payment industry, Ikajo sets itself apart by extending white-label payment services. With a repertoire of over 100 available payment methods, robust security measures, risk management solutions, and an expansive acquiring network, the company stands as a comprehensive solution.

Beyond these fundamental offerings, Ikajo provides:

  • Complimentary recurring billing services
  • Support for over 170 countries
  • Intelligent routing and cascading features to enhance transaction approval ratios
  • Advanced analytics capabilities
  • Real-time monitoring for heightened control over payment workflows.

The company boasts competitive rates, emphasizing accessibility without compromising quality. It's important to note, however, that while Ikajo caters to high-risk merchants with precision, some requirements of low-risk merchants may go unaddressed.


DECTA brings over 15 years of FinTech expertise to the table. Their white-label payment gateway embodies cutting-edge solutions designed to redefine the payment industry:

  • Smart invoicing for automated payment actions.
  • Connectivity to 300+ banks and payment methods.
  • Omnichannel support for seamless online and physical transactions.
  • Global integration flexibility.
  • Competitive rates.
  • Rapid integration of new connectors within a week.
  • Fully brandable and easily customizable systems.
  • Enhanced security measures and advanced analytics

While DECTA's payment gateway offers a range of advantages, it's worth noting its relative novelty, resulting in a more tailored approach for high adaptability. However, this may translate to fewer integrations and a smaller acquiring network. 


Fueled by a team of genuine experts, Akurateco's system not only leverages the best practices in the industry but also introduces groundbreaking features that set it apart from the competition.

The system encompasses:

  • Smart invoicing, enabling merchants to automatically charge users for predefined payment actions.
  • Connectivity with over 300 banks and payment methods through a network of connectors.
  • A payment calendar ensuring merchants maintain complete control over cash inflows and outflows.
  • Intelligent routing and cascading mechanisms to boost transaction acceptance ratios and reduce processing fees by half.
  • Competitive rates, ensuring affordability for users.
  • Swift integration of new connectors, with the potential for integration within a week.
  • A fully brandable and easily customizable system tailored to the unique needs of each business.
  • Enhanced security measures, advanced analytics, and comprehensive reporting functionalities.

While Akurateco's payment gateway boasts numerous advantages, it's essential to note its relative novelty. While this freshness promises adaptability to specific customer needs, it also means a more limited integration portfolio and a smaller acquiring network. 


Corefy emerges as the solution for financial institutions, payment companies, and businesses. Corefy facilitates seamless global payment services tailored to the unique needs of diverse sectors like banks & acquirers, PSPs, ISOs & MSPs, merchants:

  • Completely white-labeled for a branded payment experience.
  • 75% reduction in manual work, including onboarding and reconciliations.
  • Customizable checkout and smart transaction processing.
  • 400+ payment methods.
  • Securely stored data on monitored servers in protected data centers.
  • PCI DSS Level 1, GDPR, and PSD2-ready.
  • Payments & Payouts: from payments to checkouts, invoicing, and anti-fraud measures.
  • Merchant Management: reconciliations, monitoring, reporting, analytics, and alerting.


Boxopay is an ultimate white-label payment gateway tailored for e-commerce acquirers and PSPs. Hosting an array of features for seamless online payment automation, Boxopay's on-premises deployment ensures software setup on the client's infrastructure. With a transparent software leasing pricing model, charging only 0.015 EUR per transaction, it's an ideal fit for startups. 

Boasting a functional back-office, multicurrency support, advanced payment processing, and more, Boxopay stands out for its versatility:

  • Expert guidance from market proof to tech fit.
  • Assistance for entering new markets with 10 years of fintech expertise.
  • SaaS and On-premises software delivery models. 
  • Full control over payments, charge confirmations, refunds, and reversals
  • Payout reports with involved commissions
  • Security measures such as user access management and blacklists
  • Multi-provider solution for effective interest rates
  • Antifraud with customizable rules and limits engine
  • Multi-currency functionality for expanded earning opportunities
  • Full control and reporting tools for balances and cash flow accounting
  • Fast merchant onboarding and management.

The platform's focus on custom integrations facilitates connections with acquirers, processing centers, and major card networks. Boxopay's extensive functionality and flexible pricing make it a strategic answer for scalable PayTech solutions searching for how to choose a white-label payment gateway.

December 27, 2023
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