Build your own payment brand without rebuilding payments
Fintech in 2026 rewards brands that move fast, automate well, and own the customer journey. A White Label PSP lets you launch a complete payments stack under your brand—card acquiring, IBAN rails, crypto acceptance, compliance automation, and a clean API—without the multi-year engineering and licensing burden.
What is a White Label PSP Platform
A White Label PSP (Payment Service Provider) platform is a turnkey infrastructure that you rebrand and configure as your own payment product. You keep your UI, tone, and support; the platform supplies the rails, risk controls, settlement logic, and developer interfaces. In practice, it becomes your PSP, only faster.
Core modules typically include:
- Multi-currency acquiring for online payments and subscriptions
- Integrated merchant account management and routing
- Issuing and management of payment cards for customers or partners
- Optional crypto card and on-chain payments (e.g., major stablecoins)
- IBAN accounts for SEPA/SWIFT transfers and payouts
- Unified API and webhooks for checkout, payouts, KYC, ledger, and reporting
- Built-in KYC/AML, velocity checks, device risk, and rule-based fraud filtering
Why fintech teams choose White Label PSP in 2026
- Speed to market: ship a branded PSP in weeks, not years.
- CapEx → OpEx: avoid building and maintaining complex, regulated infrastructure.
- Brand control: your domains, your UI, your support flows.
- Compliance leverage: operate on proven licenses and rulebooks while you grow.
- Scalability: expand geos, currencies, and methods with configuration, not rewrites.
Product capabilities that matter
IBAN accounts. Onboard clients with instant virtual IBANs for collections and payouts. Support SEPA Credit Transfer/Instant and SWIFT for global reach, with smart reconciliation and statements.
Cards. Accept major schemes and issue debit/prepaid cards for spend, rewards, or partner programs. Control BINs, risk profiles, spend limits, and tokenization for wallets.
Crypto. Offer on-ramp/off-ramp and stablecoin acceptance where compliant. Unify ledgers so fiat and digital asset flows reconcile in one back office.
API first. Clean endpoints, idempotency, webhooks, sandbox keys, and versioned docs so developers can integrate quickly and safely.
Risk & compliance. Tiered KYC, PEP/sanctions screening, KYB for merchants, adaptive 3-D Secure, and rule engines that you configure per vertical.
Back office. Merchant and admin portals for chargebacks, disputes, reports, fees, and settlements with role-based access.
Architecture overview
- Checkout and tokenization for PCI-reduced client implementations
- Routing layer that chooses acquirer or rail by cost, success rate, and geography
- Ledger and balances with double-entry accounting and payout schedules
- Data and analytics with cohort dashboards, authorization lift, and dispute KPIs
- Observability across API latency, decline codes, risk events, and webhooks
Use cases the model unlocks
- Fintech and neobanks: ship cards, IBAN, and payments under your brand
- Marketplaces/SaaS: onboard sub-merchants, split funds, and automate payouts
- Crypto-friendly businesses: combine fiat rails with compliant stablecoin flows
- Subscription apps: optimize retries, dunning, and lifetime acceptance rates
- Global e-commerce: localize methods and currencies without fragmenting your stack
How to build your PSP brand with SharPay
SharPay provides the full white label PSP stack so you can focus on brand, growth, and customer experience.
What you get:
- Branding & theming: your logo, colors, typography, and custom domains
- Developer velocity: REST API, SDKs, webhook signing, clear examples
- Merchant onboarding: KYB, document flows, risk scoring, and approvals
- Operations suite: disputes, refunds, ledger, statements, and settlement controls
- Global rails: cards, IBAN, payouts, and optional crypto acceptance
- Compliance automation: KYC/AML, screening, monitoring, and audit trails
- Analytics: real-time dashboards for auth rates, fees, and cohort performance
A typical launch path:
- Discovery & scope of geographies, methods, and verticals
- Branding & domain setup for merchant and customer portals
- API integration for checkout, payouts, and webhooks
- KYB and risk configuration per use case and country
- Pilot merchants, then progressive rollout and optimization
Operational and commercial advantages
- Faster onboarding: automated KYB and risk presets reduce manual ops
- Higher authorization: smart routing, scheme optimization, and retries
- Lower cost of ownership: no large compliance or core-payments team required
- Focus: shift resources from plumbing to product and acquisition
- Flexibility: add rails or regions with configuration, not rebuilds
Compliance, risk, and trust by design
SharPay aligns with industry standards for data protection and payments security. You get audit-friendly logs, granular permissions, encrypted storage, and configurable retention policies. Risk rules can be tuned by MCC/vertical, geography, and transaction patterns.
For founders, product, and ops
- Founders: validate a payments business model quickly and scale deliberately
- Product: launch features and payment methods that your ICP expects
- Ops/Finance: reconcile, settle, and report with clear, exportable data
- Developers: ship integrations safely with tests, sandboxes, and versioning
Ready to scope your White Label PSP?
Contact our team and get a tailored rollout plan for your market and use case.