Top 10 White Label Payment Gateways for 2026
The top 10 white label payment gateways for 2026 are Akurateco, Corefy, NMI, UniPay, SDK.finance, IXOPAY, Payneteasy, Praxis Tech, Juspay, and PayAdmit.
We compared them on what it costs to run a gateway under your own brand, whether the vendor’s PCI DSS compliance is confirmed by an independent card scheme registry, how many acquirers and payment methods you get on day one, and whether you can own the deployment or only rent it.
Akurateco ranks first because it publishes real pricing, carries the widest connector library in the category at 700+, runs on your own infrastructure as well as its cloud, and its PCI DSS validation is confirmed in the Visa Global Registry rather than only claimed on its site. Corefy ranks second because it publishes the most complete price card of any vendor here, though it does not appear in either card scheme registry. NMI ranks third on twenty years of operating history and the only meaningful review base in the category. PayAdmit ranks tenth because its central compliance claim carries no certificate, assessor, scope, or legal entity to support it.
The right choice depends on whether you want to become a payment service provider yourself or route across providers you already use, whether you need a published price before budget approval, and whether the vendor needs to carry card data in your flow. In India that last question sits behind a bigger one, because collecting and settling merchant funds requires RBI authorisation as a payment aggregator whatever software you license.
The table below ranks all ten.
The Top 10 White Label Payment Gateways in 2026
Here are the best white label payment gateways ranked, why each one sits where it does, and who it is best for.
| # | Provider | Why it ranks here | Best for |
|---|---|---|---|
| 1 | Akurateco | Publishes pricing, 700+ connectors, deployable on your own infrastructure, and PCI DSS confirmed in the Visa registry | PSPs wanting breadth plus deployment choice |
| 2 | Corefy | The most complete published price card here, from €2,500 a month with overage rates stated, but absent from both registries | Buyers who need a budget before a sales call |
| 3 | NMI | Twenty years operating, registered twice in the Visa registry, and 108 G2 reviews, the only meaningful sample here | ISOs and software platforms wanting a proven partner |
| 4 | UniPay | Publishes absolute price floors and ships source code with the on-premise licence, but claims no PCI certification of its own | Buyers who want to own the platform outright |
| 5 | SDK.finance | Best documented certification in the list and a Lifetime licence with no volume-linked cost, but scoped to software rather than card data | Wallet and ledger projects rather than card gateways |
| 6 | IXOPAY | Registered in the Visa registry across two entities, though it publishes contradictory connector counts and has no reviews | PSPs needing orchestration plus tokenization |
| 7 | Payneteasy | Highest integration claim at 1000+ and registry confirmed, but zero reviews and an ambiguous commercial model | Buyers who weight integration count most |
| 8 | Praxis Tech | Registered Visa Third Party Servicer, but blocks inspection of its own site so most figures are second-hand | High risk and regulated verticals |
| 9 | Juspay | The only RBI authorised platform here, but built for enterprise merchants rather than businesses launching a gateway | Large Indian enterprises consolidating routing |
| 10 | PayAdmit | Claims PCI DSS Level 1 on every deployment with no certificate, assessor, scope, or entity published to support it | Buyers who can verify claims directly with the vendor |
How we compared them
We opened every vendor’s pricing page ourselves rather than relying on secondary sources, searched the Visa Global Registry of Service Providers for each legal entity, and recorded review counts alongside every rating. Four of the ten are payment orchestration platforms rather than licensable gateways, which matters because orchestration routes across providers you already contract with and never makes you the provider of record. The Category column in the compliance table marks which is which.
How Do the Best White Label Payment Gateways Compare on Cost?
Running a gateway under your own brand costs between $1,000 a month and $150,000 upfront, depending on whether you are renting routing on a shared platform or buying a gateway you operate.
Most of this category does not quote prices in public. Four vendors publish usable figures, one publishes a structure without numbers, and the rest quote on request.
| Provider | Setup fee | Ongoing cost | Per-transaction cost | Deployment |
|---|---|---|---|---|
| Akurateco | $2,500 merchant plan, $4,500 PSP plan | $1,000/mo merchant, $2,000/mo PSP | Volume-based, set by calculator | SaaS or on-premise |
| Corefy | None listed | €2,500/mo with 10,000 txns, €6,000/mo with 100,000 | €0.072 above plan, €0.024 on Professional | Multi-tenant SaaS |
| UniPay | $150,000 on-premise licence | $15,000/mo hosted white label | 2.9% + $0.25 on managed service | SaaS, hosted, or on-premise with source code |
| SDK.finance | Annual or one-time Lifetime licence | No recurring fee on Lifetime | None, no volume-linked cost | SaaS or self-hosted source code |
| NMI | $0 (reseller rate card) | $10/mo (reseller rate card) | $0.05 per transaction (reseller rate card) | Hosted |
| IXOPAY | Not listed | €199/mo Starter, €499/mo Growth (reported by TrustRadius) | On request | Third-party SaaS |
| Payneteasy | On request | On request | On request | Not stated |
| Praxis Tech | On request | On request | On request | Hosted |
| Juspay | On request | On request | On request | Not stated, Hyperswitch self-hostable |
| PayAdmit | On request | On request | On request | Dedicated servers |
Figures are platform and licence fees only. They exclude acquiring costs, scheme fees, chargeback fees, and the cost of authorisation. Akurateco’s figures come from its white label landing page calculator, not its main pricing page. NMI publishes no list price because it sells through ISOs who set the merchant-facing rate, so the figures shown are a reseller’s published card rather than NMI’s own wholesale rate. IXOPAY’s own pricing page now shows no figures, so the plan prices are as reported by TrustRadius.
How to read this table
- Published pricing saves you a sales cycle. Akurateco, Corefy, UniPay, and SDK.finance are the only vendors here that tell you anything about price before a call. For teams working to a deadline, that alone usually decides the shortlist, because the other six add weeks before you learn whether they are affordable at all.
- Read the ongoing cost against the deployment column, never on its own. Corefy’s €2,500 and UniPay’s $15,000 are not comparable numbers. The first rents you routing on a shared platform, the second gives you a branded gateway you operate. The figures that compare like for like are Akurateco’s $2,000 a month PSP plan against UniPay’s $15,000 hosted tier.
- The per-transaction column is the one that scales against you. A 2.9% plus $0.25 model is the cheapest way to start and the most expensive way to grow, crossing UniPay’s own $15,000 white label floor at roughly 10,000 transactions a month on a $40 ticket. A flat €0.024 to €0.072 above a bundled allowance stays predictable as volume climbs.
- The headline fee is rarely the real cost. Corefy’s €2,500 plan does not include the white label pack, which is a further €1,500 a month, and its support tiers run at 20% to 30% of invoice on top. Akurateco’s monthly figure sits on top of a one-time setup fee. Always add the layers before comparing.
Before you go looking for a white label gateway, ask whether you actually need to be the provider of record. Most businesses that ask for one really need routing or collections, and both cost a fraction of what a license does.
What a White Label Payment Gateway Actually Costs: A Worked Example
The advertised monthly fee is not what you pay. For example, say you run 50,000 transactions a month under your own brand and need a branded merchant portal, which is the whole point of going white label. Here is what the headline price becomes once the layers are added.
| Akurateco PSP | Corefy Standard | UniPay white label | |
|---|---|---|---|
| Headline monthly fee | $2,000 | €2,500 | $15,000 |
| One-time setup or licence | $4,500 | None listed | None on the hosted plan |
| Volume charges at 50,000 txns | Set by calculator | €2,880 overage | Included |
| Branded merchant portal | Included | €1,500/mo white label pack | Included |
| Support tier | Included | €0 to €1,314/mo, at 20% to 30% of invoice | Included |
| Real monthly cost | From $2,000 | €6,880 to €8,194 | $15,000 |
What this tells you
- Corefy’s headline price roughly triples. The €2,500 plan becomes €6,880 once overage and the white label pack are added, and up to €8,194 with a support tier. That is still the cheapest option here, but it is not the number on the pricing page.
- Only three vendors can be modelled at all. Six of the ten publish nothing, so this example covers the transparent end of the market rather than the whole list. Treat an unquoted vendor as a cost you cannot yet estimate, not as a cheap one.
- Bundled plans beat percentage pricing well before this volume. UniPay’s managed service at 2.9% plus $0.25 would cost roughly $70,500 a month at these numbers, which is why it suits proofs of concept rather than a running gateway.
These figures exclude acquiring costs, scheme fees, chargeback fees, and RBI authorisation, which for an Indian buyer will dominate the first two years.
How Do the Best White Label Payment Gateways Compare on Compliance and Coverage?
Price is not the only factor that needs comparing. Compliance decides whether you can launch at all, and most vendors in this category ask you to take their word for it.
We searched the Visa Global Registry of Service Providers on 14 October 2026 to check every PCI DSS claim against an independent source.
| Provider | Category | PCI DSS registry status | Connectors claimed | Own licence needed | G2 rating |
|---|---|---|---|---|---|
| Akurateco | Licensable software | Listed, Portugal, through Mar 2027 | 700+ | Yes | 4.7 (20 reviews) |
| Corefy | Orchestration | Not listed | 650+ | Yes | 4.7 (5 reviews) |
| NMI | Licensable software | Listed, UK and US, through Apr 2027 | 150+ processors | Revenue share model | 4.6 (108 reviews) |
| UniPay | Licensable software | Not listed | 100+ banks | Yes, on-premise | 4.5 (1 review) |
| SDK.finance | Licensable software | Software-scope certification | Named partners only | Yes | 5.0 (1 review) |
| IXOPAY | Orchestration | Listed, Austria and US | 500+ adapters | Yes | No reviews yet |
| Payneteasy | Licensable software | Listed, Gibraltar, through Apr 2027 | 1000+ | Ambiguous | No reviews yet |
| Praxis Tech | Orchestration | Listed, Cyprus, through Jun 2027 | 600+ PSPs | Yes | No G2 listing |
| Juspay | Orchestration | Mastercard listed, RBI authorised | 300+ PSPs | No, holds PA-CB | 4.6 (14 reviews) |
| PayAdmit | Licensable software | Claim undocumented | 550+ methods | Not stated | No reviews yet |
Every rating links to its G2 page and is shown with the review count, because most samples here are too small to support a conclusion. All were checked on 19 October 2026.
How to read this table
- Start with the registry column, because it answers a question no vendor can answer about itself. A listing means an independent assessor has validated that vendor to handle cardholder data in your flow, with a named legal entity and an expiry date you can check. Seven of the ten clear that bar.
- A blank in that column does not always mean the same thing. SDK.finance holds a PCI DSS Level 1 certification under version 4.0.1, assessed by 7Security GmbH between 1 October and 2 December 2025, scoped to secure software development, and it states plainly that it does not store, process, or transmit cardholder data. Its absence from a registry of merchant servicers is correct rather than concerning. PayAdmit, by contrast, states that every deployment it ships is Level 1 certified, but its PCI DSS page carries no certificate, no named assessor, no dates, no scope, and no legal entity. The first is a scope difference. The second is an unevidenced claim.
- Read the Category column next, because it decides whether a platform can ever make you the provider of record. Orchestration routes across providers you already contract with and leaves the licence, the merchant relationship, and the economics with someone else.
- Treat connector counts as marketing. They count different things at every vendor, two of them contradict their own published figures, and none is audited.
What users say
Review coverage in this category is unusually thin, so the patterns matter more than the scores:
- One vendor has a usable sample: NMI’s 108 reviews is the only statistically meaningful base here. Every other rating rests on between one and twenty reviews.
- Three have none at all: G2 lists IXOPAY, Payneteasy, and PayAdmit as not yet reviewed, and Praxis Tech has no G2 listing for its payment product at all.
- Single-review ratings get republished as scores: UniPay and SDK.finance each have one review, which comparison articles routinely present as a 4.5 and a 5.0 without the count.
- Exit cost is the recurring buyer complaint: practitioner discussion keeps returning to what happens in year three, specifically card vault portability and notice periods, which no vendor in this category documents publicly.
Top 10 White Label Payment Gateways Reviewed in Detail
Every provider on this list solves a slightly different problem. Here is what each one offers, where it holds up, and where it falls short.
1. Akurateco
Best for: PSPs that want the widest connector library with a choice of deployment.
Headquarters: Portugal, with offices in Amsterdam, Lisbon, and Kyiv.
Akurateco sells turnkey white label gateway software to payment service providers, and gives you the choice between a managed service and running it on your own infrastructure across Azure, AWS, Oracle, or Alibaba Cloud.
Pros:
- Publishes pricing on its white label landing page, at $2,500 setup and $1,000 a month for the merchant plan and $4,500 and $2,000 for the PSP plan.
- 700+ ready-made integrations through a single connection, the largest claim among the licensable platforms.
- Runs on your own infrastructure, which preserves an exit path that SaaS-only competitors cannot offer.
- Listed in the Visa registry as a Merchant Servicer and Third Party Servicer through March 2027, assessed by Integrity360.
- 4.7 out of 5 across 20 G2 reviews, the most meaningful sample among the licensable vendors.
Cons:
- Its main pricing page returns a 404, so the published figures sit on a landing page most buyers will not find.
- Describes itself as PCI DSS certified on some pages without stating a level.
- Names no customers publicly, so references have to come through sales.
Choose it if: You want breadth, published pricing, and the option to own your deployment.
2. Corefy
Best for: Buyers who need to model costs before they talk to anyone.
Headquarters: Not stated on its own site.
Corefy is a payment orchestration platform with a white label layer, and it publishes more of its commercial terms than any other vendor in this category.
Pros:
- Publishes monthly fees, included volumes, overage rates, add-on prices, and support percentages in full.
- 650+ ready connectors, with an unlimited number of payment providers connectable from the hub.
- Smart routing and cascading to recover declines across providers.
- 99.5% uptime SLA stated on every plan, including the entry tier.
- White label pack priced openly at €1,500 a month rather than hidden behind a quote.
Cons:
- Not found in the Visa registry, and absent from the legible portion of the Mastercard list.
- States no PCI DSS level on its homepage, which is a gap given how much else it discloses.
- Carries three different connector counts across its site, 650+, 1,200+, and 600+.
- Only 5 G2 reviews, too few to read as a rating.
- Multi-tenant SaaS, so there is no deployment you can own.
Choose it if: You already hold provider contracts, need routing rather than a licence, and want precise costs upfront.
3. NMI
Best for: ISOs and software platforms that want a long-established partner.
Headquarters: United States, trading in the UK as Network Merchants Ltd.
NMI has operated for over twenty years as an embedded payments platform built around a white label gateway, and is the most proven option here by a wide margin.
Pros:
- Listed twice in the Visa registry, UK and Illinois entities, both through April 2027, assessed by Foregenix.
- 4.6 out of 5 across 108 G2 reviews, the only statistically meaningful review base in this category.
- 150+ processor connections and 300+ EMV device certifications.
- 6,000 channel partners, which signals a working partner programme rather than a promise.
Cons:
- Shares in net payment revenue rather than selling a licence, so you never own the economics outright.
- Publishes no pricing of its own, and the revenue share percentage is not disclosed anywhere public.
- Does not mention PCI DSS on its homepage despite being registered twice.
Choose it if: Track record and partner support matter more than owning the platform.
4. UniPay
Best for: Buyers who want to own the platform and know the price on day one.
Headquarters: United States, operating as United Thinkers LLC.
UniPay sells across three models: payments as a service, a hosted white label instance, and a full on-premise licence that includes access to the source code.
Pros:
- Publishes absolute floors: 2.9% + $0.25 per transaction, $15,000 a month hosted, $150,000 on-premise.
- On-premise licence includes source code access for your team, the strongest exit position of any platform here.
- No transaction or subscription fees under the on-premise model, licensing fees only.
- Claims 15 years in market, 20,000+ merchants, 100+ bank integrations, and 8,000+ POS systems.
- Candid about timelines, stating that planning and discussion alone runs three to six months.
Cons:
- Claims no PCI DSS certification for the platform itself, offering only help with your audit, and we could not find it in the Visa registry.
- A single G2 review, which is not a usable signal.
- Names no customers publicly.
Choose it if: Budget certainty and source code ownership outweigh the compliance gap, and you can carry PCI scope yourself.
5. SDK.finance
Best for: Wallet, ledger, and account-based products rather than card gateways.
Headquarters: Lithuania, with an office in London.
SDK.finance sells a white label fintech software foundation covering accounts, wallets, and payment workflows, with a standalone double-entry ledger. It sits closer to core banking than to a card gateway.
Pros:
- The best documented compliance position here: PCI DSS Level 1 under version 4.0.1, assessed by 7Security GmbH, with the scope published openly.
- States plainly that it does not store, process, or transmit cardholder data, which is a clearer statement of where your obligations begin than any competitor offers.
- Available as a source code licence you self-host, plus a Lifetime licence with no recurring fee and no volume-linked cost.
- The strongest named customer list here, including Geidea with 530,000+ merchants, Nebeus, MPAY, Paywell, and TheOneGate, across 25+ countries.
Cons:
- No pricing figures, only the licence structure.
- Its certification scope is software development, not card data handling, so it does not reduce your PCI burden the way a registered merchant servicer does.
- A single G2 review, which is not a usable signal.
- Built around wallets and ledgers, so a card-first build needs more work.
Choose it if: You are building a wallet or account-based product and want to own the source code.
6. IXOPAY
Best for: PSPs that need orchestration and tokenization in the same platform.
Headquarters: Austria, with a US entity in Utah.
IXOPAY is an orchestration platform with a distinct white label product aimed at PSPs, ISOs, acquirers, and merchants of record. The white label offering is a rebranded tenant on its SaaS, not a licence you deploy.
Pros:
- Listed twice in the Visa registry, Austria through November 2026 and Utah through June 2027.
- Rebrandable admin interface, merchant interface, domains, and even the API reference.
- Adds up to five new integrations a month, which is a maintained roadmap rather than a static library.
Cons:
- Publishes contradictory connector counts, 500+ payment adapters on the homepage against 100+ acquirers on its own white label page.
- No reviews at all on G2, which states the product has not been reviewed.
- Withdrew its published pricing, so the only figures available now are third-party reports.
- Third-party SaaS only, so there is no deployment you can own.
Choose it if: You want orchestration depth and confirmed card data scope, and a multi-tenant platform is acceptable.
7. Payneteasy
Best for: Buyers who weight raw integration count most heavily.
Headquarters: Gibraltar.
Payneteasy describes itself as an independent proprietary platform combining a white label gateway with orchestration.
Pros:
- Claims 1000+ integrations worldwide, the highest figure in this set.
- Listed in the Visa registry through April 2027, assessed by Fortytwo Security.
- Publishes a compliance certificate on its own site, which most competitors do not.
- Offers a payment channels catalogue, so you can use its provider relationships rather than only your own.
Cons:
- A G2 listing with zero reviews.
- Ambiguous about whether you need your own licence, since the channels catalogue blurs the line between software vendor and service provider.
- No pricing published, and no third-party figures exist either.
- Its one to two week timeline refers to adding a single PSP, not launching a platform.
Choose it if: Integration breadth is your binding constraint and you will verify the commercial model directly.
8. Praxis Tech
Best for: High risk and regulated verticals that need a registered servicer.
Headquarters: Cyprus.
Praxis Tech is an orchestration platform with a hosted checkout, founded in 2014, serving forex, prop trading, iGaming, crypto, travel, and e-commerce.
Pros:
- Listed in the Visa registry through June 2027, assessed by Integrity360.
- Registered as a Visa Third Party Servicer, which few orchestrators in this set publish.
- Claims 600+ pre-integrated PSPs and 1000+ payment methods.
- Has a named customer in iGaming, which most competitors lack.
Cons:
- Blocks automated inspection of its own site and documentation, so most public figures come from a third-party directory.
- No pricing published, and no third-party figures exist either.
- No usable review presence.
- Online channels only, with no in-store support.
Choose it if: You operate in a high risk vertical and value registered servicer status.
9. Juspay
Best for: Large Indian enterprises consolidating payment routing.
Headquarters: San Mateo, United States, with Indian origins and an India-heavy customer base.
Juspay is an enterprise payment orchestration platform with the strongest verified regulatory position of anyone on this list, plus an open-source stack in Hyperswitch.
Pros:
- RBI authorised as a payment system operator with cross-border scope since February 2024, the only verified Indian authorisation here.
- Confirmed on the Mastercard compliant service provider list, September 2025.
- PCI DSS 4.0.1 certificate, ISO 27001:2022, and SOC 2 Type 2.
- Hyperswitch gives a genuine open-source self-hosting route.
- 300+ PSP integrations and 4.6 out of 5 across 14 G2 reviews.
Cons:
- Built for enterprise merchants and banks, not for ISOs or businesses launching a gateway.
- Not found in the Visa registry, though confirmed on Mastercard’s.
- No pricing published, and no credible third-party figure exists, including on Indian marketplaces.
- Lists major brand logos as partners rather than customers, which needs care when assessing references.
Choose it if: You are a large Indian merchant or bank consolidating routing across providers.
10. PayAdmit
Best for: Buyers prepared to get every claim in writing before they sign.
Headquarters: United Kingdom.
PayAdmit sells three products: a white label gateway on dedicated servers under your own domain, a hosted cashier service, and a middleware bridge over existing provider relationships.
Pros:
- 550+ payment methods through a single integration.
- The white label product runs on dedicated servers under your own domain, a genuine licensable deployment.
- Three distinct products, so the middleware option suits buyers who already hold provider contracts.
Cons:
- States that every deployment is PCI DSS Level 1 certified, but its PCI DSS page carries no certificate, no assessor, no dates, no scope, and no legal entity, and we could not find it in the Visa registry.
- No reviews on G2 or Capterra.
- No pricing published, and no third-party figures exist either.
- Never states whether it is merchant of record or holds any licences.
Choose it if: The product fits and you can get written answers on licensing, entity, and PCI scope before committing.
How We Ranked These White Label Payment Gateways
We compared ten platforms on seven factors and checked every figure against the vendor’s own website or an independent registry.
| Factor | How much it counted | What we looked at |
|---|---|---|
| Cost and commercial transparency | Most | Whether a real figure is published anywhere the buyer can find it, the commercial model behind it, and the total at 50,000 transactions a month |
| Licence and compliance perimeter | High | Whether a card scheme registry confirms the vendor to handle cardholder data, under which legal entity, and whether you need your own authorisation |
| Connector and payment method breadth | High | Acquirers, PSPs, and payment methods live on day one, and whether the vendor’s own figures agree with each other |
| Deployment model and exit cost | High | On-premise or SaaS, source code availability, and what it takes to leave |
| Time to launch | Medium | Stated timelines, and whether they describe the platform or just one integration |
| Routing, cascading, and fraud tooling | Medium | Decline recovery, approval rate protection, and risk controls |
| Maturity and buyer evidence | Lower | Review volume alongside the rating, named customers, and years operating |
Cost counts most because it is the one thing this category systematically withholds. Every competing article on this topic names cost as a selection criterion and none of them publishes a figure, which leaves buyers entering sales processes blind. Compliance counts next because it can be checked independently, and because the vendors that advertise PCI DSS Level 1 most prominently are not always the ones a registry confirms.
Where our information comes from
- Vendor websites: Pricing was taken from each vendor’s own pages, opened directly in a browser rather than through automated extraction. This mattered. An automated pass understated Corefy’s published pricing and missed Akurateco’s figures entirely, both of which were corrected by opening the pages.
- Card scheme registries: Every PCI DSS claim was checked against the Visa Global Registry of Service Providers, searched on 14 October 2026 against a registry updated 5 October 2026, and the Mastercard compliant service provider list dated 16 September 2026. We validated the Visa search against a known multi-entity provider first, so that a nil result means genuine absence rather than a failed query.
- Independent sources: Where a vendor publishes no pricing, we used third-party reported figures and labelled them in the table, including a reseller rate card for NMI and a TrustRadius listing for IXOPAY. Where no credible third-party figure exists, the cell says “on request” rather than carrying an invented estimate.
- Regulatory requirements: Indian licensing thresholds come from the RBI’s Guidelines on Regulation of Payment Aggregators and Payment Gateways, dated March 17, 2020.
- Reviews: G2, with the review count shown alongside every rating, and no score presented where a vendor has fewer than five reviews.
Which White Label Payment Gateway Is Right for Your Business?
The right white label payment gateway depends on what you need it to do, and on whether you intend to hold the licence yourself.
If you want the widest connector library
Akurateco. 700+ integrations, a choice between managed cloud and your own infrastructure, published pricing from $2,500 setup, and registry-confirmed card data scope through March 2027.
If you need a budget number before a sales call
Corefy for a complete tier card starting at €2,500 a month, UniPay for absolute floors on an owned deployment at $15,000 a month or $150,000 outright, or Akurateco for the cheapest published route to a branded gateway.
If you want to own the platform outright
UniPay. The on-premise licence includes source code access, no transaction fees, and no subscription, which is the strongest exit position in this list. SDK.finance is the alternative if you are building wallets rather than card payments.
If you already have provider contracts and need routing
IXOPAY or Corefy. IXOPAY for registry-confirmed scope across Austria and Utah, Corefy for published economics. Neither gives you a deployment you can own.
If you want to launch a payment gateway in India
Budget for the licence before the software. Any entity that collects payments on behalf of merchants and settles those funds needs RBI authorisation as a payment aggregator, which requires ₹15 crore of net worth at application rising to ₹25 crore by the end of the third financial year. Akurateco, UniPay, and Payneteasy are the platforms you can deploy under your own authorisation once you hold it.
If you want to work under someone else’s licence in India
Partner with an already authorised payment aggregator or a sponsor bank rather than applying yourself. This removes the net worth requirement and cuts the timeline from years to weeks, and it changes the shortlist, because you need orchestration rather than a licensable platform.
If you only want to collect international payments from your own clients
You do not need a white label gateway at all. Receiving money from overseas clients under your own business name is a cross-border collections problem, handled by a PA-CB authorised provider such as Skydo, which settles into your Indian account with FIRA and purpose code compliance handled. It takes days to set up rather than years.
If you operate in a high risk vertical
Praxis Tech. Registered as a Visa Third Party Servicer, with 600+ pre-integrated PSPs and real experience in forex, prop trading, and iGaming.
What is a white label payment gateway?
A white label payment gateway is payment software you license and deploy under your own brand, domain, and merchant dashboard, so your merchants see you rather than the vendor. You supply the acquiring relationships and the regulatory authorisation, and the vendor supplies the technology.
How much does a white label payment gateway cost in 2026?
Is a white label payment gateway legal in India without an RBI licence?
What is the difference between a white label payment gateway and payment orchestration?
Are Cashfree and Razorpay white label payment gateways?
How long does it take to launch a white label payment gateway?
Which white label payment gateways have verified PCI DSS compliance?
Can I start a payment gateway in India without ₹25 crore of net worth?
Do white label payment gateway providers handle compliance for you?
Which white label payment gateway is best for a startup?
