Building a payment platform from scratch in 2026 makes little sense. Between licensing, compliance, integrations, and security audits, most projects collapse under cost and time pressure long before launch.
That’s why the smartest fintech founders now choose white label payment gateway solutions.
You take a proven payment infrastructure, put your brand on top, and go live in weeks — not years.
At SharPay, we help fintech startups, PSPs, iGaming companies, and even high-risk businesses launch full-scale payment ecosystems without the heavy lifting. You stay the brand. We power the rails.
What a White Label Payment Gateway Really Is
Think of a white label payment gateway as an engine that runs behind your brand.
It connects merchants, banks, and customers, processing each transaction securely and in real time.
SharPay has already built the foundation — APIs, processing, KYC/KYB modules, risk monitoring, and settlement logic. You simply customize your interface, add your logo and fee structure, and your payment system is ready.
In short, you get the power of an enterprise-grade white label payment provider, without building or certifying anything yourself.
How a White Label Payment Solution Works
A full white label payment solution includes several core modules that work together:
- Merchant onboarding. The system handles KYC/KYB, risk classification, and approval automation.
- Transaction routing. Payments are directed through the most efficient acquiring channel.
- Settlement and reconciliation. Fees, commissions, and payouts are calculated automatically.
- Reporting and analytics. Your dashboard shows volumes, chargebacks, and profit in real time.
- API integrations. SharPay’s REST API connects your website, CRM, or mobile app seamlessly.
You handle the business logic and relationships, while SharPay keeps everything running smoothly behind the scenes — from compliance to uptime.
Why White Label PSP Platforms Are Dominating 2026
The Payment Service Provider (PSP) model has evolved. A decade ago, launching a PSP meant building software, securing bank partnerships, and spending months on audits.
Now, you can launch your own white label PSP within a few weeks. SharPay delivers acquiring, processing, KYC, reporting, and crypto modules — everything you need to act like a full-fledged fintech business.
You don’t reinvent payments — you scale them.
Top Benefits of White Label Payment Processing
1. Time-to-Market Advantage
Building a payment gateway from scratch can take 12–18 months.
A white label payment solution launches in a fraction of that time. SharPay’s ready-made modules, documentation, and support let you focus on business, not engineering.
2. Your Brand, Our Technology
Your customers see only your logo and interface. SharPay stays invisible.
You control the brand, the clients, and the pricing — we maintain the rails, security, and certifications as your white label payment provider.
3. Compliance Built In
Forget PCI DSS audits, AML headaches, or GDPR bureaucracy.
SharPay’s system is already certified and compliant. We monitor risk, tokenize card data, and flag suspicious transactions automatically.
4. Multi-Currency and Global Reach
With over 100 supported currencies and crypto assets, SharPay enables your merchants to accept payments globally.
Through SharPay Wallet, fiat and crypto balances can be exchanged instantly and used for SEPA or SWIFT transfers.
5. Lower Costs, Higher Margins
You avoid licensing fees, development costs, and infrastructure maintenance.
Your margins stay higher because your operating expenses stay predictable.
White Label Acquiring and Merchant Account
At the heart of every payment ecosystem lies acquiring — the process that makes transactions possible.
SharPay’s white label acquiring allows you to operate as a PayFac (Payment Facilitator) under your own brand.
This model lets you onboard sub-merchants and process their payments legally without holding your own acquiring license.
SharPay maintains the master agreement with banks and card networks, while you manage your merchants, pricing, and risk inside your branded dashboard.
In other words, you become the payment facilitator.
Your merchants transact through your gateway, while SharPay powers the backend — including infrastructure, compliance, and settlement.
Combined with a white label merchant account, each partner gets dedicated IBANs for settlements and payouts.
SharPay automates reconciliation across card, SEPA, SWIFT, and crypto transactions.
White Label Card Processing and API Integration
Modern customers expect payments to be instant and frictionless. Whether they’re paying online, by card, or through an app — everything must “just work.”
SharPay’s white label card processing delivers that.
You can issue branded debit or crypto cards connected to your platform through SharPay Card.
Funds flow instantly between wallet, IBAN, and card.
Developers can integrate through our RESTful white label API payments, enabling real-time transaction creation, verification, and settlement tracking.
The documentation is clean, the sandbox is reliable, and every endpoint is encrypted and rate-limited.
Who Uses White Label Payment Gateways
Fintech Startups. Test your idea and go live in weeks instead of years.
iGaming and High-Risk Platforms. Get compliant crypto and fiat processing without banking rejections.
Affiliate and CPA Networks. Automate global payouts via cards, IBAN, or wallet transfers.
Digital Banks and Neobanks. Expand your ecosystem with white label payment gateways connected to existing accounts.
Crypto Exchanges. Add fiat rails through SharPay’s white label payment processing and let users deposit or withdraw instantly.
Advanced Features of SharPay Payment Infrastructure
- Dynamic routing across acquirers for higher approval rates
- DCC and multi-currency conversion
- AI-based fraud prevention
- Tokenization for one-click payments
- Custom fee and commission management
- Real-time analytics and reporting
All managed inside your dashboard, with SharPay ensuring compliance and performance in the background.
How to Launch Your Own Platform
Step 1 – Choose Your Model.
Fintech, PSP, or affiliate? SharPay will configure your modules accordingly.
Step 2 – Integrate.
Connect via REST API, test in the sandbox, and customize your onboarding flow.
Step 3 – Go Live.
Once your branding and KYC settings are ready, your gateway can start processing real payments — usually within 10 business days.
From that moment, it’s your system, your merchants, and your revenue.
Flexible Pricing and Scalability
SharPay’s model is simple: you pay per transaction, not per feature.
Start small and scale as your volume grows — pricing remains transparent and flexible.
The Future of White Label Payment Gateways
The fintech landscape is shifting away from closed banking systems toward modular, API-first infrastructures.
White label payment gateways are becoming the new standard — fast, compliant, and globally connected.
SharPay continues to innovate with low-fee blockchain networks like Tron/USDT, instant SEPA settlements, and AI-driven compliance automation.
The goal is simple — make payments faster, safer, and invisible to the user.
Those who adopt white label infrastructure today will dominate tomorrow.
Why SharPay
SharPay combines the precision of banking with the agility of fintech.
When you partner with us, you don’t just get a platform — you gain a team with real experience.
We’ve seen startups grow from zero to thousands of clients in months.
We’ve helped high-risk businesses process payments legally and without fear of account closures.
SharPay stands quietly behind your brand — powering your gateway, protecting your merchants, and helping you scale safely.
FAQ
What is a white label payment gateway?
A pre-built payment platform that processes transactions under your brand, powered by SharPay.
How long does setup take?
Most partners go live in 2–4 weeks, depending on customization.
Can I accept crypto payments?
Yes. SharPay supports both crypto and fiat with automatic conversion.
Do I need PCI DSS certification?
No. SharPay is fully certified, so you operate under our compliance umbrella.
Can I manage multiple merchants?
Yes. You can onboard unlimited merchants, configure fees, and track all performance from one dashboard.