Although, the economic downturn, induced by the pandemic is still underway, white label payment gateway services remain a lucrative option for many companies. Before implementation of a white label payment gateway solution, you should define a clear strategy to follow. It will allow you to avoid costly mistakes and unnecessary losses of time, efforts, and resources.

Conceptual steps are more or less intuitive and common for any white label service provision project (including white label merchant services, white label payment services, or white label payment facilitator model).

White label gateway solutions come in different flavors, each associated with different degrees of control and responsibility. Let us briefly outline the key steps and partnerships a white label payment gateway project involves. …


The main functions of a payment gateway solution are to ensure payment security and adjust the formats of payment data on its way from merchant to processor. A robust payment gateway product should support a variety of critical functions. It should be integrated with numerous acquiring and processing solutions. It should have a unified API to support all target payment types and currencies. It should be PCI compliant and protect sensitive payment data. It should be able to handle recurring payments, chargebacks, and refunds. Finally, it should be user-friendly and open to further adjustments.

So, does it make sense to build payment gateway solution, complete with all the listed features, on your own? Or is third-party slash white label payment gateway a better option? The answer depends on the size, as well as specific features and needs of your business. …


White label merchant services, white label payment gateway software, and white label payment processing solutions are widely used by many types of companies. A white label payment solution can have several flavors, depending on the terms of its use. The degree of flexibility of a white label product or service, usually, depends on the size of the user’s company and its specific business needs.

Most startups and SME prefer to partner with a large payment solution provider, such as Stripe, Square, or PayPal. If such a provider offers brandable white label services, this offering is, usually, a standardized one. Its only difference from an ordinary third-party payment solution is that you can put your company’s name on it. …


Evolution of Fintech and Paymentech industries leads to emergence of new kinds of entities and concepts. Payment facilitator model, which has become very popular during the recent years, is one of them. In this article we are going to explain the essentials about PayFac model. Particularly, we will focus on the functions PayFacs perform and on the benefits of becoming a PayFac.

A PayFac is an intermediary entity, performing a set of functions (delegated by the acquiring bank) for multiple merchants. These functions include merchant underwriting, merchant onboarding, sub-merchant funding, and others. …


The concept of white-label product or service, surely, applies to electronic payments in general and to payment gateways in particular. Basically, a white label payment gateway is gateway product which you can offer your customers under your own brand.

So, what are the advantages of white label payment gateway solutions?

The key strong points are as follows.

  • No need to develop your own payment gateway from scratch. You just take the readymade white label solution, put your logo and brand name on it, configure it, and become the gateway provider for your customers (cardholders or merchants).
  • No need to handle the issues, related to payment security, integrations, certifications, and maintenance. Your white label gateway provider (the third party) will take care of them for you. …


As payment handling technologies grow more complex, fraudsters manage to find new loopholes to compromise cardholder data. PCI security standard council and other entities are trying to come up with new solutions and recommendations to ensure payment security. As a result, there is a constant need for new, breach-proof credit card fraud protection mechanisms.

A common way to protect your payment system against data breaches is to follow PA-DSS or PCI compliance requirements. PA-DSS is a stronger standard, but it calls for more efforts and is associated with more rigorous certification procedures.

In order to comply with PCI DSS requirements, a business has to go through PCI certification and regular audit. However, many companies prefer to focus on their core products, and delegate cardholder data flow management (and, if necessary, cardholder data storage) to third parties. These include third-party tokenization services and PCI payment gateway providers. …


Demand for point-of-sale payment terminals (POS terminals) is increasing. Some portable gadgets that can fulfill the functions of a point of sale terminal are also in high demand. PayFacs and omnichannel payment platform providers are particularly interested in ePOS solutions that can be smoothly incorporated into their respective point of sale systems. The top-three payment terminal manufacturers include Ingenico, Verifone, and PAX. These market leaders are, presently, being challenged by newcomers. New players gain competitive advantage through implementation of state-of-the-art EMV POS terminal solutions and other innovations, such as QR code payment functionality, App markets, and others.

Chinese IoT business, Sunmi, is one of the new players, challenging the market with its innovative solutions. During the past year United Thinkers has been working in partnership with Sunmi and using its Sunmi P2 Lite and P2 Pro portable payment terminal solutions. Sunmi provided United Thinkers with omnichannel payment capabilities, which included EMV solution (EMV contact, EMV contactless payments, chip & PIN, NFC), and QR code payment mechanism. …


Every startup business that wants to accept electronic payments needs to address two conceptual aspects. The business aspect concerns getting underwritten as a merchant by an acquiring bank. The technical aspect concerns finding a payment technology, which would allow the business to accept electronic payments.

An acquiring bank (or acquirer) is a large entity, directly integrated with card networks (Visa/MC/Amex). It cannot perform background checks for every business applying for a merchant account. So, it often delegates the task of merchant underwriting and onboarding to some payment facilitator (or PayFac). …


PayPal, Stripe, Square, WePay, Braintree — the early birds of payment facilitator model adoption — provide inspiring examples for other companies that choose to become PayFacs themselves.

Indeed, many businesses decide to follow the “pioneers” (the “behemoths” or the “dinosaurs” — all these terms apply) and provide payment facilitation services to their respective sub-merchants.

When it comes to payment facilitator model implementation, the rule of thumb is simple. Benefits and opportunities must offset costs and risks (at least, in the long run).

Benefits and opportunities are, more or less, obvious. A PayFac supports a large portfolio of sub-merchants throughout all their lifecycle — from underwriting to funding to chargeback disputing — and gets its reward for all these services (from every sub-merchant). As a result, the revenues, collected by a PayFac, are much larger than the revenues of a traditional ISO. …


Recent developments at the payment services market indicate that implementation of the payment facilitator model is a promising solution for many types of businesses. These include franchise owners, venture capital companies, online marketplaces, and others. In order to successfully implement the white-label or full-fledged PayFac model, a company needs to have market expertise and partnerships, as well as merchant solution that allows it to service a portfolio of multiple and, potentially, diverse sub-merchants.

Some companies have the technical solution but lack profound knowledge of the market and acquiring partnerships. Others can be considered market experts, but cannot afford the implementation of technical features to support sub-merchants’ lifecycle. …

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UniPay Gateway

Enterprise-scale, open-source, #PaymentProcessing solutions for #Merchants, #PayFacs and PSPs. For more information, visit UnitedThinkers.com

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