No matter what your business model is, there is, probably, some white label gateway solution flavor that suits it. PAYMENT GATEWAY SOLUTIONS PVT. We’re ready to go with your branding and card proposition. A White-Label payment gateway presents a solution that enables Payment Service Providers (PSPs), Acquirers, Independent Sales Organizations (ISOs), and online merchants to process payments while maintaining their own unique identity through third-party services. You might also like Best White-Label Payment Gateway Software in 2021. net charges a $25 monthly gateway fee plus an all-in-one transaction charge of 2. An article explaining when it makes sense to switch from existing payment gateway providers, such as Stripe or Square, to alternative payment solutions. Gatewyeast’s White-Label Payment Gateway Solution is completely customisable and ready for you to start your own payment gateway business. Look for a provider that:A self-hosted white-label payment gateway. The gateway should support credit and debit cards, as well as alternative payment methods such as e-wallets, bank transfers, and mobile payments. The payment gateway processes the transaction once the customer confirms the payment. This also means you will have the freedom. White label providers develop online casino games and software platforms. Stripe: best for worldwide sales management. Working on a white-label crypto payment gateway is relatively easy. Cost: White-label solutions typically have lower upfront costs and quicker implementation, while traditional solutions might have higher initial investment costs. Avoid redirects to third-party site to complete the purchase. A white label payment gateway is a service that allows you to accept credit cards and other forms of electronic payments. Choose the best online payment gateway solution tailored to your needs: Lyra Payment gateway offers several features for rendering the clients a secure, user-friendly, and quick online payment platform. Cardstream is a high performance Level 1 PCI DSS-compliant white label payment processing platform. As the white label payment facilitator , you can set your own profit margins and actively get your share of the revenue stream. Cons of White Label Payment Gateway Solutions. Starting is. Starting this program is extremely beneficial for a payment service provider. 9% plus 30 cents for card-not-present transactions. White Label Payment Gateway . And joining it can be a great idea for any agent connected to a variety of online merchants. Through Hips White Label Payment Gateway, leading Acquirers, Payment Service Providers and POS Software Providers can easily evolve with the drastic, rapidly changing payments industry. The acquiring bank authorizes you to provide payment gateway services. White label payment gateway is a ready-made solution that allows businesses or brands to start processing payments under their own brand using the third-party technical infrastructure. Find the key white-label payment gateway providers. The cutting edge payment processing solution for your business with Pre-enabled major payment options including all Debit Cards, Credit Cards, (Visa, MasterCard, Rupay, AMEX & Diners Club. For example, a white label payment gateway provider can offer a subscription-based pricing model with a lower transaction fee for high-volume businesses. Akurateco - fully brandable white-label payment gateway platform allowing you to own the end-to-end PCI DSS-certified gateway with zero development cost. In other words, they are providing a customizable architecture for your business to incorporate your needs. It is designed for EMIs, PSPs, ISOs, VARs and others that offer payment services to their merchant customer base. 30 per transaction. We started off as developers for foreign companies and later became an expert in white label payment gateway solution. The white-label payment gateway provides a ready-made product to accept customer cryptocurrency transactions, considering actual tax and legal measures. The PayKings high risk payment gateway is a PCI DSS Level I white-label platform with robust capabilities to help you connect in the digital payments world. Becoming a provider of payment gateway services, rather than merely a reseller, offers unique opportunities. You can start with almost no budget dedicated to technology, receiving the top-notch tools to start processing payments being technically in-line or even ahead of the competition within days, not years, and focus. The short supply of payment gateway providers in the market, from the second half of December, versus continuing merchant demand for digital payments, also led to strong merchant (onboarding) growth, which continued in. Corefy is a universal feature-rich payment orchestration platform for online businesses and payment institutions. Merchants must deposit into a single Chase bank account to be eligible. PAY. [1] The payment gateway may be provided by a bank to its customers, but can be provided by a specialised. Over 150+ payment modes with both domestic and international payment options. Braintree is an online payment gateway platform designed to make payments easier, providing tools to accept payments, enable commerce, and build businesses. 1. ON, an ACI Worldwide company, delivers white label global payment gateway solutions to payment service providers, ISOs, acquirers, ISVs, and VARs, enabling them to fully outsource payment transaction processing or integrate a gateway-to-gateway. So, here are five main reasons why businesses may choose to use a white label gateway. White-label payment gateway providers such as Akurateco, Stripe, and Adyen offer businesses customizable and secure payment processing solutions. 4. A white-label gateway is a gateway system that allows entrepreneurs or brands to process online payments using their brand name while using third-party services. It offers customization options for branding and user experience while outsourcing the technical and compliance aspects of payment processing to a third-party. For ISOs, white-label. The number and type of payment integrations vary from one payment provider to another. Start your full commerce journey Get started today. Furthermore, a white-label service provider would provide you with the flexibility of customization that will be absent in regular. A white-label payment gateway is a fully developed payment gateway solution that businesses can rebrand and customise as their own. Boxopay is a white-label payment gateway provider that establishes connection capabilities with any payment providers and processing centers globally to ensure you’re set up with the most effective interest rate. Opting for a whitelabel payment gateway gives you the leverage to redefine your customer’s buying journey and build a level of trust. The white label crypto payment gateway generates a QR code. It truly is unheard of, especially among service providers catering to high-risk merchants all over the globe. Software-as-a-service (SaaS) providers. Look for a provider that:Founded in 2008, we started by developing payment APIs that help you build your payments infrastructure. This way the system redirects the customer to a payment page on the processor’s side. for the global crypto industry. Lower transaction costs than the “payments as a service” approach. A white label payment gateway is also a third-party solution, but it is highly customisable to fit your brand, website design, and business model. 49 per 1099 e-filed with states $2. Send 600+ crypto and digital assets instantly, privately, and anonymously. White label payment gateway is one of the best solutions for the payment service. Definition of white label payment gateways. Let’s take a look at some of them. NMI is constantly innovating in the payments space, building new technologies to support your needs — now and well into the future. A single integration with. SaaS providers often integrate payment gateways into their software to facilitate recurring transactions. Becoming a provider of payment gateway services, rather than merely a reseller, offers unique opportunities. Of course, if cooperation agreements are signed between the payment service provider and the acquiring banks. As your partner, we are committed to your success. And we’ve got a winner!Becoming a White Label Payment Provider: If you become the payment gateway provider rather than reselling someone else’s, you’ll have several unique opportunities at hand. Now, let’s take a moment to compare these prices (1. Look for a provider that:PALO ALTO, Calif. AsiaPayTech offers a fully customizable white-label payment gateway for banks and payment service providers, enabling them to extend payment processing services to merchants and other business entities around the globe. We work with financial institutions, corporations and SMB’s from around the world, developing customized turnkey programs and providing our clients with a true. The open payment network is able to manage the entire payment process in different countries. $2. Data suggests that the global white-label payment gateway market is expected to grow at a CAGR of 16. White label payment gateway. At Corefy, we offer the white label payment provider solution that allows you to get started within a shorter time and with fewer costs – about a salary of 1 developer only. A single integration with us gets you online with a scalable technical infrastructure that we enhance and maintain for you. Its potential unleashes the best as your business grows and goes global. A white-label payment gateway is an appealing option for PSPs, mainly due to many integrated banks and payment providers, including Credit and Debit Cards and Alternative Payment Methods (APMs), Cryptocurrencies, etc. We have an affordable white label solution that can take your business online instantly! Learn more. We offer a built-in 3-D secure support module, the official VISA and Mastercard protocol for card holder authentication. 43% between 2023 and 2028,. White Label Payment Gateways — Become a payment service provider with a competitive advantage, having your own-brand sophisticated payment infrastructure and capabilities • United States. White Label / SaaS. While choosing a white label solution provider, businesses should thoroughly investigate their needs and the providers’ offer. A white label payment gateway is a gateway that has partnered with multiple merchants to offer its services. In the white label model, the solution provider sets the price, and you’ll know it in advance by looking at the vendor’s website or asking them for a quote. Get an engage account manager who will support you on the platform or on PayFac. Traditional payment processing occurs when a merchant integrates a third-party payment gateway into his system. Designing an architecture and a feature set for a custom online payment gateway (if required). A white-label gateway is a gateway system that allows entrepreneurs or brands to process online payments using their brand name while using third-party. Axcess Merchant Services is a trusted provider of white label gateway solutions. The fully Serverless infrastructure which has been awarded by Amazon Web Services can handle millions of transactions per second. A common way to start accepting electronic payments is to operate through a merchant service provider or a PayFac. While choosing a white label solution provider, businesses should thoroughly investigate their needs and the providers’ offer. A white-label payment. 5% charged by conventional payment processors like PayPal and Visa. For many, the main criteria. Payment processing: 2. This is where a white label payment gateway comes into play. When considering becoming a white label payment platform provider, it is crucial to thoroughly evaluate and identify any potential issues that may arise. When considering becoming a white label payment platform provider, it is crucial to thoroughly evaluate and identify any potential issues that may arise. As we already said that a white label payment gateway is a payment processing technique which avails by a payment service provider to any individual business to make online transactions smoother. 0%, compared to the 2. Having read the white paper, you’ll learn about some of the costs and complexities involved in building your own payment gateway solution of the desired type. Cardstream offers white-label payment gateway solutions to software companies, acquirers and payment services providers. PAYMENTZ is a solid and globally active white-label payment gateway platform. 7. Each provider has its own unique features and advantages that businesses can choose from based on their specific needs. White Label Payment Gateway; About Us; Solutions; Glossary; API; Merchant accounts. We integrate payment providers and. Compare. At the same time, payment orchestration makes it significantly easier to handle payments from multiple countries and currencies. In simple words, you get support for all your anxieties. Payment gateways such as MANGOPAY and Adyen offer a so-called white-label experience. The cutting edge payment processing solution for your business with Pre-enabled major payment options including all Debit Cards, Credit Cards, (Visa, MasterCard, Rupay, AMEX & Diners Club. Cardstream is a high performance Level 1 PCI DSS-compliant white label payment processing platform. This includes assessing the compatibility, capability, scalability, and cost structure of the online payment gateway solution before committing to a contract. Starting Your Own Payment Gateway Service: A Step-by-Step Roadmap. With Boxopay you can launch and take full control over your payment gateway functionality using a brandable self-hosted software that. Always know what you're paying for. Net: Protection from frauds. It is done for another company to put their label. PCI audit procedures range from self-assessment questionnaire completion for Level 4 merchants to $50K worth of actual auditors’ work, performed on. Features. Software-as-a-Service (SaaS) providers. Your white label gateway provider (the third party) will. 5% and 25 cents per online or manually. If you’re looking for a trusted and reliable white-label payment gateway provider, Akurateco offers a cutting-edge solution that is customizable and fully scalable. Have a. White label payment providers also offer API access to allow developers to integrate the payment gateway into their own applications. In addition, white-label payment gateways have multiple integrated banks and payment providers that are available to users via one integration to its system, significantly reducing time-to-market. A white-label payment system requires no development cost as both the development and maintenance of the gateway is 100% white-label payment service provider’s responsibility. Paycaps offers highly customizable white-label payment gateway solutions, where businesses can choose the design, payment methods, and themes that suit their brand. 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). There are also vendor-agnostic platforms, i. Customers need to scan the code using their crypto wallet on mobile devices. UniPay White Label Payment Gateway enables you to: Offer your own payment services. A commercial bank that helps you finance merchants. White Label Payment Gateway. JPMorgan Chase acquired WePay in 2017, connecting our fintech technology with the strength and security of the #1 merchant acquirer. A white-label payment gateway solution provides you with the following advantages: The service is fully built and maintained, saving you the trouble of worrying about security, compliance, and infrastructure. IXOPAY is a white-label payment gateway provider that offers a wide range of payment processing services to businesses of all sizes. We’re going to share seven bitcoin merchant service providers. Products Manage cash, cards & digital wallet s in one place Our state-of-the-art white label payment software comes fully-loaded with numerous integrations that. So, those who want to keep the cost low can opt for another gateway with a free merchant account. Look for a white label solution that allows extensive customization. Expertise: White label payment gateways have experience in enabling millions of netizens to make payments to their. Customers expect every transaction to be secure and trust. Benefit from. First, in order to be able to provide online payment gateway services, beside the gateway solution itself, you need an acquiring bank partnership. White Papers. 1. IXOPAY is a white-label payment gateway provider that offers a wide range of payment processing services to businesses of all sizes. This extends to accepting payments through a website. It is a middleman between a customer, merchant, payment gateway, acquiring and issuing banks. It has earned itsMeaning of PCI compliance for a merchant and for a payment gateway. A White-Label payment gateway enables a payment company to process payments through a third-party gateway provider by combining the company's branding, such as logo and colors, with payment. So, if in case, your business would opt for a white label payment gateway, you would provide all your requirements to the third-party. Look for a provider that:Luckily, more and more payment gateway providers allow merchants to accept bitcoin. Let us briefly describe them. We started off as developers for foreign companies and later became an expert in white label payment gateway solution development. Easy Management of every module reinforces your PSP Business with a seamless solution. Businesses can make an informed decision by assessing. Another advantage of a white-label payment gateway is the number of features and functionalities it offers. Payments as Service White Label Gateway On-Premise; Branding: iAll merchant-facing resources, including payment pages and merchant statements, will have your logo and URL: Logo: Logo + URL: Full: Support: iTechnical and customer support for your personnel and your merchants are available: : + fee: Consulting* iConsulting includes the design of. for merchants. Productos; Soluciones; Desarrolladores; Recursos; Tarifas; Contacta con nuestro equipo de ventas Iniciar sesión Dashboard Iniciar sesión Atrás. Their offerings include white-label card issuing, payment processing, digital banking, open banking solutions. Leads Protection System. In this article, we will outline key factors to consider when. White-label onboarding and payments. Becoming a provider of payment gateway services, rather than merely a reseller, offers unique opportunities. As the white label payment facilitator , you can set your own profit margins and actively get your share of the revenue stream. eComCharge is an experienced team of specialists in white label payment gateway developing and support for e-commerce market. The white label crypto payment gateway generates a QR code. Before you leave, grab our free whitepaper and discover how switching to a white-label payment gateway can benefit your business. Branding and Customization: The business, as the reseller, imbues the gateway with its brand identity. A white label merchant is an online business that sells products and services under a company name, not their own. Work with a White Label Payment Gateway Provider. Authorize. White Label Payment Gateways — Become a payment service provider with a competitive advantage, having your own-brand sophisticated payment infrastructure and. Many businesses can become interested in building their own payment gateway: merchants wanting to reduce payment service fees, startups looking into offering a gateway in an underserved region, or online companies who started out with a white label service that is now presenting them with technical limitations instead of support. Payment Providers . Before you leave, grab our free whitepaper and discover how switching to a white-label payment gateway can benefit. Same-day deposits with no extra fees. White-label payment gateways allow these businesses to integrate a fully functional payment gateway that carries their branding, helping to enhance user experience and boost trust and loyalty. This includes assessing the compatibility, capability, scalability, and cost structure of the online payment gateway solution before committing to a contract. So, those who want to keep the cost low can opt for another gateway with a free merchant account. All from a single payment gateway platform. These are essentially intermediate steps between classic third-party gateways and custom solutions created from scratch. ”. It allows you to quickly enter the market, while giving you the freedom to customise your product. A white-label payment gateway is a fully developed payment gateway solution that businesses can rebrand and customize as their own. Here they are. Look for a provider that:Becoming a White Label Payment Provider: If you become the payment gateway provider rather than reselling someone else’s, you’ll have several unique opportunities at hand. The ability to tailor the payment experience to your brand’s unique identity and customer preferences is essential for building trust and loyalty. In this process, the service provider plays a middleman role between the merchant and clients. Moreover, the white-label payment gateway provider has to comply with relevant regulations and laws, such as GDPR and CCPA, to protect merchants’ data privacy. White-label solution for crypto businesses allows embedding fiat gateway in your product. White label payment gateway Become a payment service provider relying on our holistic white label solution. As the world is shifting towards online payments, secure and fast transactions…Hips White Label Payment Gateway is the next generation omnichannel payment gateway. People love us because of our speed, flexibility and easy to use solutions. White-label payment gateways are used by established financial institutions to upgrade their digital payment infrastructure. White Label / SaaS. Owning a custom payment gateway is a great way to enhance the offering and income for payment service providers, merchants, banks, acquirers, ISOs and MSPs. It acts as a mediator between customer, merchant, payment gateway, acquiring and issuing banks. Launch and run your. It includes professional services that allow you to customize and add. SaaS providers often integrate payment gateways into their software to facilitate recurring transactions. One of its main functions is to facilitate a diverse transaction flow from different payment channels. You will choose your PSP to process your incoming and outgoing online transactions. Buy dilemma here. This is where a white label payment gateway comes into play. A white label payment gateway is a payment processing service that allows businesses to accept online payments from customers using various payment methods such as credit and debit cards, digital wallets, and mobile payments. With Akurateco, you will get. It serves as a bridge between the customer, the. The payment gateway processes the transaction once the customer confirms the payment. For many, the main criteria. Fintegrate Payment Cashier System . Leverage Akurateco’s 15+ years in the payment industry to start a top-of-the-industry PSP today. Your white-label payment gateway provider can manage all of them. This also means you will have the freedom. An alternative solution is not to develop a payment gateway yourself, but to sign an agreement with a white-label payment gateway provider. Payment to Payout Reconciliation. Benefits of white labeling your payment gateway. Choosing the right provider requires consideration of factors such as customization options, security measures, design and features, cross-platform compatibility, and technical support. White-Label payment solution Launch your PSP in 4 weeks. 2. When a business chooses a white-label crypto payment gateway and becomes the PSP, it must select a payment gateway provider. With the added benefit of fraud protection, payment analytics, and reporting. Decta delivers tens of widespread payment methods including global payment networks, open banking, digital wallets, and connections to acquirers. The wisdom of payments processing. 1. You will choose your PSP to process your incoming and outgoing online transactions. An online payment service provider (PSP) is an intermediary between customers, businesses, e-payment gateways, acquiring banks, and issuing banks. Dwolla’s platform is designed to be API-driven and tailored to allow a business to add additional payment rails—like ACH and Real-Time. A white label payment gateway is the name given to a technical service provider that gives businesses the ability to manage and process payments under their own brand while using third-party SaaS (Software as a Service). Payment gateways allow you to process digital payments with your brand. Flexible Payout Schedules. The white-label payment gateway provides a ready-made product to accept customer cryptocurrency transactions, considering actual tax and legal measures. 9 billion by 2025 ( source ). Magnius is specializing in payment services for large merchants and PSPs. With no iFrames or redirects, and a 99. Yes. News. This includes assessing the compatibility, capability, scalability, and cost structure of the online payment gateway solution before committing to a contract. Our team has been developing white label payment gateways for more than 13 years. Whatsapp +97142367868A white-label payment gateway is a fully developed payment gateway solution that businesses can rebrand and customize as their own. 9% + 30¢ 11: Stripe:. An online payment service provider (PSP) is an intermediary between customers, businesses, e-payment gateways, acquiring banks, and issuing banks. About Us. 9% plus 30 cents for card-not-present transactions. A payment gateway is a merchant service provided by an e-commerce application service provider that authorizes credit card or direct payments processing for e-businesses, online retailers, bricks and clicks, or traditional brick and mortar. 997% uptime track record, you or your merchants can start accepting payments immediately. White label payment gateway providers also offer their clients with anti-fraud mechanisms to ensure safety of the cardholder’s data and payment transactions. We ensure that the transaction entering the payment system does not exceed the threshold throughput capacity, although the White Label payment gateway allows 200 transactions per second. White Label Payment Software Are you in search for a secure and robust payment gateway provider who can handle heavy transactions 24/7, 365 days of the year? If yes, look no further. Look for a provider that:One of the most appealing aspects of a white-label crypto payment gateway is its low transaction fees, typically ranging from 0. . Take a look at their features to pick the best option for you. Our provided white-label gateway allows businesses to accept credit card payments in different currencies and offer payment processing services. The white-label payment solution includes more than 300 ready-made integrations with various providers, banks, and APM. White label payment gateway is a ready-made solution that allows businesses or brands to start processing payments under their own brand using the third-party technical infrastructure. Dwolla’s platform is designed to be API-driven and tailored to allow a business to add additional payment rails—like ACH and Real-Time. In the world of white-label payment gateway providers, it doesn’t get better than this great offer! Ikajo International. We help you to process payments with tons of payment connectors. White-Label payment gateway allows you to create your own payment company in 3 business days and start working with clients who need payment solutions. With numerous providers available, it’s essential to choose a reliable and effective partner that meets your specific requirements. Moreso, it helps, Maintain brand consistency across the entire purchase cycle. Corefy is a universal feature-rich payment orchestration platform for online businesses and payment institutions. Braintree. 30 per transaction. For many, the main criteria. This includes assessing the compatibility, capability, scalability, and cost structure of the online payment gateway solution before committing to a contract. Compare costs It only takes a minute. With no iFrames or redirects, and a 99. You can create reports both on a single transaction. Our white-label payment gateway can be tailored to your exact business requirements. As the white label payment facilitator , you can set your own profit margins and actively get your share of the revenue stream. The are many payment gateway providers out there for you to choose from, but none with the capabilities that the PayKings payment gateway can provide. A white label payment gateway is a customizable #payment_solution that allows businesses to offer their own branded payment platform to customers. So, take that into account when looking for a WL payments software. Payment processing fees: Interchange plus 0. This also means you will have the freedom. LTD. Payments are an integral part of your business and having the right partner to help you with this is a major advantage. Assess the degree of assistance and instruction offered by the provider of the white-label payment gateway. Cardstream is a high performance Level 1 PCI DSS-compliant white label payment processing platform. Check availability of the payment methods on the provider’s side. White-label payment gateway providers lease their technology directly to merchants, payment providers, or resellers. What’s a White Label Payment Gateway? With the help of a white label payment gateway, you can get similar features and functions and perform the same duties as a payment gateway provider. A White-Label payment gateway enables a payment company to process payments through a third-party gateway provider by combining the company's branding, such as logo and colors, with payment processors to provide a personalized solution. 0. Adopting a white-label payment gateway saves companies the huge costs and labour-intensive procedures involved in building a payment system from scratch, making it a wise financial choice. Protecting your customers’ data requires taking measures in the early stages of your payment system MVP. You can read more about this Build vs. The inclusion of these features and services can impact pricing, with more comprehensive packages. You can easily find a low-risk, medium-risk, and high-risk white-label payment gateway provider. What's included in the White label package? Our platform is capable of fulfilling the needs of any online business. Selected features of the Boxopay’s payment gateway. While choosing a white label solution provider, businesses should thoroughly investigate their needs and the providers’ offer. White-label vs. So, those who want to keep the cost low can opt for another gateway with a free merchant account that has no monthly charge. White-label payment gateways are customised to allow your business to include your brand’s identity while making transactions online. These gateways provide a secure environment for customers to make payments online, ensuring their sensitive financial information remains safe and secure. Label payment gateway allows payment companies to personalize. 3. With no iFrames or redirects, and a 99. White-label payment gateways allow these businesses to integrate a fully functional payment gateway that carries their branding, helping to enhance user experience and boost trust and loyalty. If you're a merchant services ISO looking to take your business to the next level, you've come to the right place. can manage multiple. Install the software, get it approved by all banks, and register as an ISO-certified company with MCA21 & RBI guidelines. 2 security, an intuitive & easily accessible dashboard, and developer-centric ability. Using a white label payment gateway strengthens the relationship you have with your merchants and puts you in. 99 per form filed with the IRS and $1. Services. 49 per 1099 e-filed with state revenue. A white-label payment gateway is a fully developed payment gateway solution that businesses can rebrand and customize as their own. White-label payment processing offers multiple benefits for ISVs or SaaS companies looking to offer payments as part of their integrated solutions. As a white-label payment gateway provider, acquiring the necessary licenses and certifications is an absolutely critical step to ensure compliance with governing regulations. Wednesday, October 11 2023. Reduce costs and overcome your tech and business challenges with our all-in-one white-label acquiring software, provider environment, comprehensive merchant functionality, and advanced consulting services for your predictable development. For instance, Akurateco’s White-Label Payment Gateway has smart routing, a technology that. Expertise: White label payment gateways have experience in enabling millions of netizens to make payments to their. The platform has more than 170 connectors to banks and payment methods. When selecting a pricing model, CEOs must consider. White Label Payment Gateway: 5 Reasons to Use It. As an online merchant, when you opt for Cashfree you get: 1. Studies show that redirections often confuse users causing a lot of them to abandon the cart. Cardstream is a high performance Level 1 PCI DSS-compliant white label payment processing platform. Let’s get a bit more international and talk about a white label payment gateway provider called. Some payment gateway providers offer mobile SDKs along with other options so that merchants can integrate their payment processing system into iOS and Android apps too. Services. As it becomes clear now, white label payment service provider is a.