White labeling refers to a business practice where a company produces a product or service that other companies rebrand to make it appear as their own. In the context of payments, a white-label payment gateway allows businesses to integrate a payment processing solution that is customizable and branded under their name.
This enables merchants to offer payment services without developing their own payment infrastructure. A white-label payment gateway solution typically includes features like secure payment processing for various payment options, including credit cards and other payment methods.
By choosing a white-label payment gateway provider, businesses can enhance the payment experience for their customers while benefiting from the expertise of established payment service providers.
Here is the list of 5 best white-label payment gateways:
- NOWPayments
- Spell
- Ikajo
- Corefy
- PayExpert
Integrating a white-label payment processing solution allows businesses to streamline their payment flow and manage payment transactions efficiently. The payment processor handles all the technical aspects of payment processing services, ensuring secure handling of payment information while the business focuses on its core offerings.
This collaboration with gateway providers and payment facilitators ensures that businesses can offer global payment solutions to their customers, enhancing satisfaction and loyalty. With a branded payment experience, customers are more likely to trust the payment platform, which can lead to increased conversion rates and higher transaction volumes.
This is a sponsored article by NOWPayments. NOWPayments is a versatile service that allows everyone to accept crypto payments on their websites, online stores, and social media accounts. It’s a non-custodial service, meaning it doesn’t hold or store your funds in any way. NOWPayments supports more than 300 cryptocurrencies with low transaction fees.
A Developer's Guide to White-Label Gateway Integration
While the business benefits are clear, for developers, the real value of a white-label gateway lies in its implementation details. A good provider offers a robust, well-documented, and flexible API that simplifies the complex world of payment processing. Here’s a look at the technical components developers will interact with.
The Core Components: APIs and SDKs
At the heart of any white-label integration is the provider's Application Programming Interface (API). Most modern gateways offer a RESTful API that uses standard HTTP methods (GET, POST, PUT, DELETE) and returns data in JSON format. This makes it easy to integrate with any backend stack, whether it's Node.js, Python, PHP, Ruby, or Java.
Many providers also offer Software Development Kits (SDKs) for popular languages and frontend frameworks (like React, Vue, or Angular). These SDKs are wrapper libraries that handle the boilerplate code for API authentication, request formation, and response handling, significantly speeding up development time.
A Typical Integration Flow
From a developer's perspective, integrating a white-label payment gateway typically follows these steps:
- Authentication: Obtain API keys (a public key for the frontend and a secret key for the backend) from the provider’s dashboard. All backend API calls must be authenticated using the secret key, usually in an Authorization header.
- Creating a Payment Session: The merchant's server makes a POST request to the gateway's API endpoint (e.g., /v1/payment_sessions) with details like amount, currency, and a unique order ID.
- Frontend Rendering: The API responds with a session ID or a client secret. This is passed to the frontend, where the provider's JavaScript SDK uses it to securely render the payment form (often within an iFrame to maintain PCI compliance).
- Handling the Payment: The user enters their payment details directly into the secure iFrame. The SDK tokenizes this information, meaning the sensitive data is sent directly to the gateway provider, and the merchant's server never touches it.
- Confirmation via Webhooks: After the payment is processed, the gateway sends an asynchronous notification—a webhook—to a pre-configured endpoint on the merchant's server. This webhook contains the final status of the transaction (e.g., succeeded, failed). This is the most reliable way to confirm payment and update the order status in the database.
Security and PCI Compliance: The Developer's Responsibility
One of the biggest advantages for developers is offloading the burden of PCI DSS (Payment Card Industry Data Security Standard) compliance. By using a provider's hosted payment pages or iFramed elements, sensitive cardholder data is never processed or stored on your servers. This drastically reduces the scope of your PCI compliance requirements. Your primary security responsibilities become:
- Securing API Keys: Storing secret keys in environment variables or a secure vault, never in client-side code or version control.
- Securing Webhook Endpoints: Verifying the signature of incoming webhooks to ensure they are genuinely from the payment provider and not a malicious actor.
By providing these tools, a white-label gateway empowers developers to build secure, custom payment experiences without having to build the entire payment processing stack from the ground up.
How White Labeling Benefits Your Business
Implementing a white-label payment gateway solution can significantly enhance your business's operational efficiency and customer experience. By integrating payment systems that offer multiple payment options, you empower customers to choose their preferred payment methods, leading to higher conversion rates.
A fully branded payment solution allows you to maintain your brand identity while utilizing advanced payment technology from established payment providers.
Using a white-label solution not only reduces development costs but also accelerates your time to market. With customizable payment pages and white-label gateways, you can create a seamless experience tailored to your audience.
This is particularly beneficial in the payment processing industry, where customer expectations are continuously evolving. Moreover, choosing a white-label payment option enables you to focus on your core business while ensuring that the entire payment ecosystem operates smoothly and securely.
Effective payment orchestration is crucial for managing payment data and streamlining transactions. By selecting a white-label payment solution, you can harness a robust payment system that accommodates new payment innovations and trends.
This strategic choice not only enhances customer satisfaction but also positions your business for sustainable growth in an increasingly competitive landscape.
NOWPayments
NOWPayments offers a comprehensive white-label solution for businesses looking to enhance their online payment capabilities. This white-label payment processing service allows companies to utilize a payment gateway platform tailored to their brand, ensuring a seamless and intuitive payment process.
By using a white-label payment model, businesses can provide their customers with multiple payment options through various payment channels, enhancing user experience while maintaining brand identity.
With NOWPayments, businesses can integrate a powerful gateway system that supports numerous payment methods, making it easier for customers to complete transactions.
The payment gateways work efficiently, ensuring that payment details are processed securely and swiftly. That’s why Forbes rated NOWPayments #1 in their rating. So NOWPayments due to it’s security and highly customizable solutions can be called as the best white label crypto payment gateway
As a reliable payment processor for authorization, NOWPayments empowers payment professionals to optimize their services with branded payment processing and supported payment options, including payment terminals. This flexibility and efficiency make it an ideal choice for businesses seeking to improve their payment processing strategy.
1. Crypto-First Infrastructure with 300+ Assets
NOWPayments is built from the ground up for crypto, supporting over 300+ cryptocurrencies, including meme coins, stablecoins, and custom tokens.
Most competitors (Spell, Ikajo, PayExpert) are fiat-first PSPs with limited or indirect crypto support.
NOWPayments offers native crypto handling, on/off-ramp, custody, and full white-label support — all under one roof.
2. Fully Customizable White-Label Without Setup Hassles
With NOWPayments, businesses can launch a branded crypto payment gateway in days, not weeks. It includes:
- Custom domain
- Custom payout logic
- Dashboard and KYC/AML support
Competitors like Corefy or Ikajo often require complex onboarding or third-party connections for crypto.
NOWPayments delivers a ready-to-use, self-contained white-label system for crypto-native payments — without hidden dependencies.
3. Lowest Fees + Dedicated Account Support
NOWPayments offers a transparent 0.5% base fee, no monthly lock-ins, and dedicated support for partners via account managers and tech leads.
Spell, Ikajo, and PayExpert often have tiered pricing, onboarding fees, or high-volume minimums.
With NOWPayments, you scale on your terms — no pressure, just performance.
Spell
In the ever-evolving landscape of e-commerce, payment processing refers to the steps involved in handling transactions between consumers and businesses. A white-label model has emerged as a popular solution, allowing companies to offer payment processing without developing their own systems. This approach enables businesses to provide a high-quality payment experience by rebranding a solution that businesses can rebrand as their own.
With various payment methods available, this white-label service supports multiple payment methods and integrates with payment gateways offered for seamless transactions. By leveraging multiple payment service providers, companies can ensure an optimal payment experience for their customers.
The best-in-class payment gateways not only enhance user satisfaction but also streamline the payment processing offers available, ultimately expanding payment options for businesses.
Ikajo
Ikajo serves as a powerful gateway for businesses looking to streamline their financial transactions. By providing payment solutions that are tailored to meet diverse needs, Ikajo enhances the overall transaction experience. As a white-label provider, it allows companies to rebrand its services, ensuring they deliver the right payment options to their customers without heavy investments in technology.
With a focus on efficient payment processing, Ikajo ensures that businesses are not only involved in the payment process but are also equipped with payment experts who understand the nuances of financial transactions. The platform offers diverse payment methods, making it easy for companies to cater to a broader audience.
When back to the payment options is needed, Ikajo’s system guarantees that businesses can quickly adapt to the relevant payment trends, ensuring seamless customer experiences.
Corefy
Corefy offers a robust solution for businesses looking to streamline their payment processes through white-label services. By integrating various payment gateways, Corefy helps businesses enhance their operational efficiency and provide a seamless transaction experience to their customers. With an array of customizable options, companies can leverage the platform to align with their brand identity.
Utilizing white-label solutions means that businesses can present a unique payment interface without the need for heavy investments in development. This flexibility allows companies to focus on their core operations while benefiting from the reliable and secure functionalities that payment gateways offer. Corefy stands out by providing a comprehensive suite of tools that cater to different industries, ensuring that each business finds the right fit for its needs.
In summary, Corefy is a game-changer for businesses aiming to optimize their payment systems. The integration of payment gateways through white-label solutions not only enhances customer satisfaction but also boosts overall business performance.
PayExpert
PayExpert offers a unique opportunity for businesses to enhance their payment solutions through its white-label services. By utilizing the customizable features of PayExpert, companies can seamlessly integrate payment gateways that cater to their specific needs. This flexibility enables businesses to maintain their brand identity while providing efficient payment processing options.
With payment gateways that help businesses streamline transactions, PayExpert empowers them to offer a user-friendly checkout experience. This not only boosts customer satisfaction but also enhances overall sales performance. The white-label solution is designed to support various business models, making it suitable for e-commerce platforms, subscription services, and more.
Furthermore, PayExpert ensures that its white-label payment gateways are secure and compliant with industry standards. This commitment to security builds trust with customers, which is essential for fostering long-term relationships and loyalty.
Summary
When it comes to payment gateways, businesses are constantly seeking solutions that are not only efficient but also customizable. NOWPayments stands out as the best white-label option on the market, offering a robust platform that empowers businesses to integrate cryptocurrency payments seamlessly. This flexibility allows companies to tailor the payment experience to their brand, enhancing customer trust and satisfaction.
Furthermore, NOWPayments provides a wide range of cryptocurrencies, catering to diverse customer preferences while ensuring quick transaction processing. Businesses can easily manage their finances and track their earnings through an intuitive dashboard, making financial management a breeze. With competitive fees and exceptional customer support, NOWPayments ensures that businesses can focus on growth without worrying about payment complexities.
In summary, NOWPayments is the ideal choice for businesses seeking a white-label payment gateway that combines flexibility, efficiency, and user-friendly features to create a superior payment experience.