What is a White Label Payment Gateway? The Complete Guide

Are you an eCommerce business owner, SaaS provider, or payment professional looking to expand your services globally without building a payment gateway from scratch? A white label payment gateway might be exactly what you’re looking for.

White label payment gateways are increasingly becoming the first choice of businesses aiming to provide seamless payment and checkout experiences to their customers while enhancing their brands. White label payment gateway allows you to accept payments globally in 150+ currencies while maintaining all the compliance and security for you, offering you a cost-effective solution.

But how does it work? Which businesses benefit most from it? And why are so many industries including Payment Service Providers (PSPs), SaaS providers, fintech startups, and eCommerce businesses etc. choosing white label payment platforms?

This guide covers everything you need to know about the Whitelabel Payment Gateways, their benefits, features, how you can choose the right providers, and how to get started with our platform from choosing plans to integrate everything in one place.

What is a Payment Gateway?

Let’s break down the concept of a white label payment gateway—but first, let’s start with the basics. What is a payment gateway? Put simply, think of it as the digital bridge that connects your online store to the financial world. When a customer buys anything from your website it can be a product, subscription, or in-game purchase etc. When they proceed with the payment then the payment gateway securely communicates their transaction details (like credit card info) between you, the payment processor and their bank. It’s like a multilingual translator ensuring everyone involved—the buyer, seller, banks, and processors—are on the same page.

Payment gateway plays a vital role in online transactions by providing security features for sensitive information like credit card details of customers ensuring seamless processing of all the transactions. But what differentiates a white label payment gateway from another type?

As we have already explained about what is white label payment gateway, now let’s understand how this works from transaction initiation to final settlement:

Which Companies Should Use White Label Payment Gateway, And Why?

White label payment gateway is a game changer for businesses directly involved in payment processing, or accepting payments online like through checkout, recurring billing, or subscription-based business etc. These types of businesses need to have payment solutions that can provide a frictionless checkout experience, recurring billing options, and payment authentication with compliance and PCI-DSS security standards to receive payment globally. Some of the businesses are:

E-commerce Businesses

For E-commerce businesses, it’s very crucial to provide a frictionless checkout experience to retain customers and build trust with them. With a white label payment gateway, they can integrate a customised checkout page with their brand identity to build trust and retain customers.

SaaS Providers

Software-as-a-service (SaaS) companies provide subscription-based services for which they need to have a strong payment platform that can handle recurring billing seamlessly. With a white label payment gateway, they can deliver a seamless recurring billing experience with branded solutions to provide a trustworthy, frictionless, and secure payment experience to every customer.

Banks and Financial Institutions

Banks and other financial services providers are the main business types that adopt the white label payment solution to offer a seamless and personalised payment experience to their customers. And with a white-label payment gateway, they don’t need to build an in-house solution.

Marketplaces and Platforms

Online marketplaces and platforms that allow other vendors to sell their products on their platforms need a payment system to manage transactions across various sellers. With a white label payment gateway, they can provide a unified, secure and seamless payment experience while reflecting the platform’s branding.

Startups and Small Businesses (SMEs)

For startups and small businesses(SMEs) it is hard to build in-house payment solutions with limited resources. A white-label solution provides an affordable, customised, and efficient way to integrate secure payment processing and build trust and credibility in the market.

iGaming Businesses

The I-Gaming industry has relied on subscription payments, in-game purchases and wallets for that they need to have a payment system that is fast, secure, and customised. Providing smooth deposits and withdrawals while meeting strict regulatory requirements aligns with the brand image and enhances user satisfaction.

Choose Celeris, a one-stop solution for all payment needs from meeting compliance security standards (PCI-DSS) with a secure, frictionless, and smooth payment experience for every customer.

Top 5 Benefits of Using a White Label Payment Gateway in 2025

Cost Effective Solution

As we have discussed already building a payment solution in-house costs you lots of money, Time for development and manpower whereas choosing a white-label payment solution can be beneficial for you like an affordable solution, with no need for maintenance third-party providers like (Celeris) will take care of everything and you have the access of cutting-edge payment solution for your business.

Brand Ownership

With a white label solution, you can fully rebrand the payment gateway based on your brand identity from logos, color theme, elements etc. Let’s take an example of a bank if a bank builds in house payment processing solution it could be very much time taking but still, they need to have a payment solution that aligns with their brand identity so customers can trust the bank with white label payment solution they can provide the customer a payment processing solution that aligns with their colors, logo, quotes, etc. to build the trust with customers.

Faster Time to Market

As we have already discussed how much time, money, and effort it takes to build a payment solution including months or years in development and testing, with a white-label solution you can go live within weeks.

Scalability

A good provider like (Celeris) offers a solution that grows alongside your business, from maintaining a smooth payment & checkout experience to handling a high volume of transactions, while ensuring 100% security and helping businesses build trust with customers by offering them personalised payment solutions.

Multi-currency support & Local Payment Methods

In today’s world where every business wants to go global and offer services and products in different countries and cater to a global audience. For that you need to choose a provider wisely with Celeris, we support multi-currency accepting payments in 150+ currencies, offering multilingual checkout pages and accepting payment from their preferred local payment methods, making it easy to process payments from customers worldwide.

Advantages and Disadvantages of White Label Payment Gateway

We have already discussed how white label payment gateways help businesses in payment processing but like any product, service or option white label payment solutions also have advantages and disadvantages.

Advantages

You can Launch Payment Gateway in Weeks: Building a payment processing solution in-house will take you at least a year and a half to obtain the necessary license, security, and compliance audits and software. And still, we have not added the time it takes to build a solid team, partner with financial institutes, and find the first client. With a white label payment gateway, you can go live in a month or less without wasting time in the most time-consuming process.

20 times less cost: You’re already aware of how much it costs you to build independent payment processing software. In many cases, the cost of product development costs you more than 20 times compared to ready-made white label payment solutions like (Celeris).

Required less Technical Knowledge: As we’ve mentioned already, how choosing a white label is more reliable than developing the solution in-house. With a good third-party provider like Celeris, we provide easy integration options like API, SDKs etc, a developer-friendly interface and technical support during integration and with all that you can go live in months and devote all your time and money to grow your business globally and Celeris will handle everything in backend.

Disadvantages

Choosing a white-label payment solution can be a game changer for your business but only when you’re choosing the right one otherwise you have to face the issues mentioned below:

Limited customisation option: Despite normal options like logo, color core functionalities might be restricted by the provider like changing text, elements, or features.

Dependency on provider: You need to rely on the provider for updates, maintenance and uptime.

Compliance responsibility: Before choosing the provider must check if they have global and local compliance.

Costs accumulate over time: While some providers may charge you less as an initial setup cost they might charge you a higher transaction fee later on while scaling your business which is a burden.

How Celeris Addresses These Disadvantages

Celeris get over these challenges with fully customisable and scalable solutions tailored to your business needs. Our platform allows you to make advanced customisations, ensures reliable performance, and simplifies compliance, all while providing cost-effective options that grow with your business.

How to Choose the Right White Label Payment Gateway Provider?

Assess Customisation Option and Easy Integration: Choose a provider that offers complete rebranding options from a color theme, logo, text elements etc. with easy-to-integrate options like APIs.

Check Security Standards: Ensure the provider complies with the highest security standards in the payment industry. Celeris follow top security protocols in the payment industry which is (PCI-DSS Level 1 Certified).

Scalability for Future Growth: Choose the provider that aligns with your future goals from handling an increased volume of transactions to maintaining a secure and smooth payment journey for customers.

Transparent and Competitive Pricing Model: Select a white-label solution that provides a transparent and competitive pricing model that aligns with your budget.

Availability of Support: Go for the provider who is available for you to resolve your query and problem quickly to maintain smooth operations.

Why Delay? Take Your Business to the Next Level

In today’s growing economy, how beneficial it is to have a payment solution that offers a secure and seamless payment experience for your customers. In this blog, we have already discussed everything about Whitelabel payment solutions.

If you’re ready to take your payment infrastructure to the next level, Celeris is your one-stop solution, with multiple currencies support, PCI-DSS Compliance, and easy integration options, we’ve got everything you need to deliver a smooth, secure, and branded payment experience to your customers..

Choose Celeris today and witness the difference. Success is just a gateway away!