Stick a Label On It!

How to Find the Perfect White Label Platform for Your Payments Business
July 01, 2020 | Expertise

What does white labeling mean?

White label is a term that is used to describe the business practice of taking a product and then selling it on with your own branding. In payments this works the same, you take a payment management system and you change the front-end to your branding, while leaving the back end – the core functionality – the same.

Why do payment companies white label?  

Payment white labeling is a great way in which businesses, such as PSPs, ISOs or Acquirers, are able to grow while also saving time and money on development, freeing up those all important resources, so that they can instead focus on the most important challenges.

You’ve done the internal audit; you know what key topics are most important for your business and now all you have to do is find the right payment gateway! There are plenty on the market so let's discuss the most important points you need to consider.

Seven things to keep in mind when considering white labeling

1. Brand recognition: seeing your logo creates customer loyalty and gives the user confidence that they are using a software that provides a smooth, streamlined operation. So make sure your provider is up to the challenge! As any issues the users face will affect your brand so keep the user experience consistent, make sure your platform is able to provide front-end integrations for any checkout scenario to your clients. Creating a seamless branded checkout scenario across all devices will increase customer satisfaction and transaction turnover.

2. Risk & Fraud Management: your payment solutions software should ideally have an integrated fraud and risk management engine enabling you to create individual risk rules which will reduce refunds, chargebacks, friendly fraud, and money laundering. A platform that is also compatible with renowned third party risk and fraud protection providers will give you further peace of mind if you want to up your security. 

3. Post-Processing: completing the transaction is just the beginning. As a White Label Merchant you need a complete overview of all client transactions, where they were processed, if the settlements match, what payment method was used... the list goes on. The platform that you choose should be able to automatically store and fetch this information and give you the ability to run reports and download into business intelligence (BI) tools. This is the nitty gritty and without this, you will be unable to support your clients and optimize and grow your business. 

4. ETL (Extract-Transform-Load) Jobs: talking about BI tools; your platform should be able to communicate with various reporting systems, such as ERP or CRM tools like SAP and Microsoft Navision. To do this it will need to be able to configure flexible ETL (Extract-Transform-Load) processes. Not all platforms are capable of this, so don’t forget to ask! 

5. Fee Management: fee management will ensure transparency – a necessity when white labeling and in the payments industry in general – by managing your transaction fees and keeping track of your costs, commissions etc. Make sure it is able to calculate every type of fee structure in real time. This information will automatically control your reconciliation and settlement data and can be used to create merchant invoices. Which leads to an accurate overview of upcoming costs and processed fees. 

6. Flexibility: make sure your payment gateway can grow with you, simple. Your platform needs to be connected to multiple payment methods and alternative payment methods (APMs) so that you can implement smart routing such as cascading, routing strategies, individual volume balancing, and fallback solutions. 

7. Independence: a software solution that is provider agnostic will give you greater connectivity. All payment data will be handled by the platform so choosing one that is PCI compliant means that they are able to store that information in a vault and autofill it for returning customers, another proven way to increase repeat business. This will also prevent issues such as provider lock-in, as payment details are held in the platforms vault. 

Things to consider when looking for a white label partner?

There are plenty of benefits to white labeling; it is the easiest way to grow and scale your business quickly while reducing your own costs and can give you an edge over your competitors. We’ve discussed the seven things you should bear in mind when considering the technological aspects of a platform. However, it bears repeating that the platform will represent you, so it is of utmost importance that you feel comfortable sticking your name on it. Make sure you have a partner you can trust. Look for a provider with a good track record, experience in white labeling, and one who offers continuous support and reporting. And if after all your hunting and due diligence you are still not satisfied with what is on the market, you can always build your own. That’s how IXOPAY got started!


IXOPAY is a payments orchestration platform enabling independent, flexible and global payment processing. As a highly scalable and PCI-DSS certified “fintech enabler”, IXOPAY fulfills the needs of large merchants as well as those of “white label” clients: payment service providers (PSPs), acquirers and independent sales organizations (ISOs). The modern, easily extendable architecture offers smart transaction routing & cascading, state-of-the-art risk & fraud management, fully automated reconciliation and settlements processing, comprehensive reporting as well as plugin-based integration of acquirers, payment service providers and alternative payment methods (APMs).

IXOPAY is part of the IXOLIT Group, founded in Vienna, Austria in 2001. With local entities in Austria and the USA, IXOLIT supports national and international customers across various industry verticals. The owner-led and -financed company has grown from 2 to more than 65 employees and is focused on building innovative solutions for eCommerce.

Please find more information about IXOPAY here:

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