White-Label
White-label refers to a solution that a company offers under its own brand name, even though the technical infrastructure comes 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 transactions, white-labelling allows platforms, marketplaces and SaaS providers to offer complete payment processing under their own brand — without operating the technical infrastructure themselves.
A white-label PSP solution typically includes: payment processing, Comerciante onboarding, KYC, payouts, Dashboard and reporting — all within the branding of the platform. The end customer or sub-Comerciante only sees the brand of the platform, not the technical operator in the background.
For platform operators, white-labelling offers the advantage that they can offer their customers a professional payment solution without having to build up their own licences, compliance infrastructure or technical payment competence. At the same time, they can define their own transaction fees and earn from the margin between the purchase and sale 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 marketplace's logo and colours.
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 originates from an External provider (e.g. a PSP).
Who is a white-label payment solution suitable for?
For platforms, marketplaces, SaaS providers and agencies looking 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 are monthly platform fees (from approx. EUR 199/month) plus transaction fees at the buy rate. The platform sets its own end-customer prices and earns from the margin.
Do I need my own licence for white-label payments?
Not necessarily. If the white-label PSP handles the regulated payment processing, the platform generally does not require its own FINMA licence. The regulatory responsibility lies with the PSP.
