White-Label Payment Solutions by SharPay
Launch your own payment ecosystem with SharPay’s white-label platform —
a complete SaaS infrastructure for fintechs, PSPs, banks, brokers, and high-risk industries.
We provide everything you need to go live fast: payment gateway, card issuing, IBAN accounts, crypto wallets, compliance tools, and APIs —
fully branded under your name.
Why SharPay for a White-Label Payment Platform
Faster Time-to-Market
Proven Scalability
Global Coverage
Higher Approval Rates
Compliance First
High-Risk Ready
Key Features
✅ Payment Gateway & Processing
Smart routing, cascading, risk-based decisioning, recurring payments.
✅ Risk & Compliance Tools
✅ IBAN Accounts
Enable global SEPA/SWIFT transfers under your own brand.
✅ Crypto Solutions
✅ Card issuing
Multi-currency IBAN support.
White-label card programs with BIN sponsorship.
✅ SaaS Infrastructure
Full API suite, SDKs, admin dashboard, merchant management tools.
Typical Business Model (White-Label Economics)
Setup Fee
Monthly SaaS Fee
Transaction Fee / Revenue Share
Optional Modules
Use Cases
Fintech startups
Crypto exchanges
Marketplaces & platforms
High-risk industries
White-Label PSP Solution
If you are launching as a payment service provider, you need three things at once: the processing rails, the merchant-facing interface, and the compliance layer. Building them takes 12–18 months. Our white-label PSP software gives you all three under your own brand.
What you get as a PSP
- Merchant onboarding — application forms, KYB checks, risk scoring and approval workflow, all under your branding
- White-label PSP interface — a merchant dashboard your clients log into: transactions, settlements, refunds, chargebacks, reporting
- Back office for your team — merchant management, limits, fee schedules, reconciliation
- Payment gateway for PSP — 500+ connectors, smart routing and cascading across acquirers
- Settlement engine — multi-currency payouts to your merchants on your own schedule and your own fee model
How the PSP model works commercially
You set the pricing for your merchants and keep the margin between your rate and ours. We stay invisible: your merchants see your brand, your dashboard, your invoices. You own the client relationship, we run the infrastructure. More detail in our guide to building a white-label PSP platform.
White-Label Digital Wallet
A white-label wallet solution lets you launch a branded e-wallet without building ledger, compliance and payment rails from scratch. Balances, transfers, top-ups and payouts run on our infrastructure; the app and the brand are yours.
What the wallet platform includes
- Multi-currency accounts — 20+ currencies with a personal or business Euro IBAN attached
- Money transfer — wallet-to-wallet inside your system, plus SEPA and SWIFT out
- Top-up methods — cards, bank transfer, and crypto with conversion to fiat
- White-label wallet app — mobile and web front end under your brand, or your own app on our API
- Cards linked to the wallet — virtual and physical, issued under your BIN or ours
- Ledger and reconciliation — full transaction history, statements, audit trail
Who launches wallets with us
Fintech startups building a first product, crypto platforms adding fiat rails, marketplaces paying out to sellers, and remittance businesses that need money transfer solutions for digital wallets across borders. See our white-label e-wallet solution guide.
White-Label Payment Gateway
The gateway is the part your merchants and customers actually see: the checkout, the payment page, the retry logic. Ours runs under your brand from the first transaction.
What the gateway does
- hosted payment page and API, both fully brandable
- 500+ connectors to acquirers and alternative payment methods
- smart routing and cascading — if one acquirer declines, the transaction is retried through another
- recurring payments, subscriptions and billing
- 3-D Secure, tokenisation, fraud scoring and chargeback handling
What a white-label payment gateway costs
There is no single price. The model is a setup fee, a monthly platform fee and a transaction-based share — the mix depends on your volume, your regions and the modules you enable. Card issuing, crypto and advanced risk are priced separately.
Reselling the gateway
If your business is selling payment services rather than processing your own volume, you can operate as a reseller: you sign the merchants, set their pricing and keep the spread. We handle the processing, the settlements and the technical support behind your brand. Read how to launch your own PSP brand.
White-Label Fintech Platform and Software
Everything above runs on one platform, not four separate products. That is the difference that shows up when you scale: a wallet, a gateway and a card programme bought from three vendors mean three ledgers to reconcile, three compliance reviews and three integrations to maintain.
One integration, not four
A single REST API covers accounts, payments, cards, crypto and reporting. SDKs and a sandbox come with it, so your developers can build against the platform before any contract is signed.
One ledger
Wallet balances, gateway settlements and card transactions post to the same ledger. Reconciliation is one report, not a spreadsheet exercise across vendors.
One compliance perimeter
KYC and AML run once per client, not separately for each product they use. Audit trails and reporting cover the whole platform.
Cloud or on-premises
Cloud deployment goes live in 2–4 weeks. On-premises installation takes about 2–3 months, depending on how much you customise. Both give the same feature set — the difference is where the platform runs and who operates it.
Migrating an existing product
If you already run payments on someone else’s rails, we import merchant records, balances and transaction history rather than starting from an empty database. Crypto rails are covered in our white-label crypto solutions guide.
White-Label Neobank Platform
A neobank is a bank-like product without branches: accounts, cards and transfers live in an app. Most neobanks hold no banking licence of their own — they run on the infrastructure of licensed partners. That is why launching one does not mean building a bank.
What neo bank development actually involves
- The company — a legal entity in a jurisdiction that fits your market
- The infrastructure — accounts, payment rails, card issuing and compliance. That part is ours
- The app — your own, or our front end under your brand
- The regulatory model — your own licence, or operating under a licensed partner
What the platform gives a neobank
- multi-currency accounts with personal and business Euro IBAN
- SEPA and SWIFT transfers, plus instant transfers between your own customers
- card issuing: virtual, physical and crypto-linked
- top-ups by card, bank transfer and crypto
- KYC, AML, reporting and audit trail
Neo bank app development
You can ship your own application on our API, or start with our white-label front end and replace it later. Either way the ledger, the compliance layer and the payment rails stay the same, so switching the interface does not mean rebuilding the product. More in our guide to launching a branded digital banking solution.
White-Label Money Transfer Solutions
If your product moves money between people or between countries, you need more than a wallet: you need corridors, settlement and a compliance layer that holds up under scrutiny. Our money transfer solutions for digital wallets cover all three under your brand.
How transfers work on the platform
- Inside your system — wallet-to-wallet, instant, no external rails involved
- Across Europe — SEPA in euro, with a personal or business IBAN on each account
- Worldwide — SWIFT in euro, dollar and sterling
- In the UK — Faster Payments and CHAPS
- In crypto — stablecoin transfers with conversion to fiat on either side
Remittance and payouts
Mass payouts to contractors, sellers or affiliates run through the same rails: upload a batch or call the API, and the platform handles execution, retries and reconciliation. Every transfer carries the sender and beneficiary data your compliance officer needs.
What your customers see
Your brand on the transfer screen, your fees, your limits. The correspondent banking behind it stays invisible.
FAQ
Q: How fast can I launch with SharPay white-label?
A: SaaS deployment typically takes 2–4 weeks, on-premises about 2–3 months.
Q: What are the main costs?
A: Standard model includes setup fee + monthly SaaS fee + transaction-based revenue share. Exact pricing depends on volume, geography, and selected modules.
Q: Which payment methods are included?
A: Visa, Mastercard, SEPA, SWIFT, alternative local payments, and crypto/stablecoins.
Q: Do you support high-risk industries?
A: Yes. SharPay specializes in high-risk merchant processing, with approval rates up to 70–80% through optimized routing.
Q: Can I issue my own branded cards?
A: Yes — debit, prepaid, virtual, and crypto cards with IBAN support.
Q: What’s the uptime guarantee?
A: 99.9% SLA with 24/7 monitoring and support.