White label
White-label refers to a solution that a company offers under its own brand name, even though the technical infrastructure originates from an External provider — in payment transactions, for example, a white-label PSP solution.
White label
White-label (also white-label solution) means that a company offers a product or service from an External provider under its own brand name, design and branding. In payment processing, white-labeling enables platforms, marketplaces and SaaS providers to offer a complete payment processing system under their own brand — without operating the technical infrastructure themselves.
A white-label PSP solution typically includes: payment processing, merchant onboarding, KYC, payouts, Dashboard and reporting — all within the branding of the platform. The end customer or sub-merchant only sees the platform's brand, not the technical operator in the background.
For platform operators, white-labeling offers the advantage that they can offer their customers a professional payment solution without having to build up their own licenses, compliance infrastructure or technical payment expertise. At the same time, they can define their own transaction fees and earn from the margin between the purchase and selling price.
White label examples
A SaaS platform for restaurateurs offers its customers a payment solution under its own name — in the background, payment processing runs via a white-label PSP.
A marketplace uses a white-label solution: The checkout form, the Dashboard, and the payout reports bear the logo and colors of the marketplace.
A web agency becomes a Payrexx partner and offers its customers payment processing under its own branding — including its own pricing.
White-Label FAQ
What does white label mean in payment processing?
White label means that a platform or a company offers a payment solution under its own brand name, even though the technical infrastructure comes from an External provider (e.g. a PSP).
For whom is a white-label payment solution suitable?
For platforms, marketplaces, SaaS providers, and agencies that want to offer payment processing to their customers without building their own payment infrastructure.
How much does a white-label PSP solution cost?
The costs vary greatly: typical costs include monthly platform fees (from approx. CHF 199/month) plus transaction fees at the buy rate. The platform sets the end-customer prices itself and earns on the margin.
Do you need your own license for white-label payments?
Not necessarily. If the white-label PSP handles the regulated payment processing, the platform usually does not need its own FINMA licence. The regulatory responsibility lies with the PSP.
