White-Label Payment Gateway: Definition

A white-label payment gateway is a customizable gateway - businesses can accept customer payments with personalized branding with it. Yes, on that payment solution, the merchant can display his/her branding instead of the branding of payment-solution-providing company. Payment Gateways (PGs) generally operate under their own name, but white-labeling enables the merchants to customize its appearance with their own branding.

Merchants can add their logos, colours, themes, etc., to it, and during the checkout, they can provide an uninterrupted and uniform branding experience to their customers from shopping till payment. Also, customers will not be redirected to complete the payment – they will stay on the merchant's page throughout.

How Does It Work?

A white-label payment gateway works exactly like an ordinary payment gateway. Customers, on the payment page, can see the branding of the same business instead of the payment solution provider – this is the only difference. The flow of the payment is as follows:

• Customer enters checkout page and fills details
• Payment gateway captures and forwards details to the payment processor
• Processor forwards data to card network
• Card provider verifies funds and approves/declines the transaction
• Card network sends response back to payment gateway
• Payment gateway then displays it to the customer and money goes from customer account to merchant account of the business with a success notification

This is how a payment gateway works and the same happens with the white-label PG. It comes with a rebranding facility, which is a new inclusion. Payment gateways today allow businesses to customize the solutions slightly as per their requirements, this facility too remains after white-labeling but much more than the ordinary payment gateways.

Is This Safe?

Yes, it is safe because it comes from the same trusted payment service providers. Without any compromise with security features, White-label payment gateways too follow all the security protocols like PCI-DSS compliances, fraud protection, etc. So, safety is beyond question and it is a legal technique too.

How Does It Differ From an Ordinary Payment Gateway?

The major differences between an ordinary payment gateway and a white-label payment gateway are:

• 1. White-label payment gateway comes with more customization features compared to ordinary PG
• 2. White-labelling displays the brand identity of the business whereas an ordinary payment gateway displays the service provider's name
• 3. While paying through a white-label PG, customers get the look and feel of the respective business but a general PG offers the like and feel of a third-party site

Benefits: Why Do Businesses Need/Choose White-Label Payment Gateway?

Today businesses focus more on customer experience and look for white-labelling their payment gateways for the same reason. The benefits of white-label payment gateway include:

1. Brand Building

Today businesses face strong competition and due to this growing competition, customers get a lot of alternatives. So, as soon as a company fails to meet customers' expectations, they will shift to another brand.

At this point, making a recognizable brand and gaining loyal customers becomes a real challenge. As checkouts are an important part of customer experience, displaying the brand identity during checkout is a smart idea. White-labelling helps businesses in fast and safe payment collection under their own branding.

2. Boosts Customer Experience

During checkouts, it enhances customer experience – so, dropping purchases or cart abandonment possibilities are reduced. If the brand comes with good products/services and excellent marketing strategies consistently, it is very likely to become a recognizable name among customers with white-labelling.

3. Complete Control for the Merchant

With a white-label payment gateway, merchants get an extensive customization facility so that they can offer personalized experiences to customers during payments. They can make the payment experience frictionless, intuitive and safe alongside boosting their brand presence by controlling and adjusting the solutions.

4. Saves Cost of Building an In-House Gateway

To display their own brand identity, merchants can choose to develop a payment gateway in-house; however, it comes with huge development and implementation charges. Presently, several third-party payment service providers offer white-labelling, so, with lower charges merchants can show their branding during payment.

Who Must Use a White-Label Payment Gateway?

The following businesses can get a handful of benefits with white-labelling the payment gateway:

• 1. eCommerce stores and marketplaces
• 2. SaaS providers
• 3. SMEs
• 4. Subscription providers

All businesses (SMEs-enterprises) want to enhance their customer experience and make their brand stronger and more recognizable. White-label payment gateways assist in these tasks with customizable solutions and gain customers' trust. The unique branding makes the business more professional and it becomes the differentiator through which the business stands out from the rest.

Choosing a White-Label Payment Gateway: Best Practices

Merchants even after deciding to get a white-label PG, often struggle to get the right one. If you too want to boost your branding with a white-label payment gateway, here is the process you can follow:

• 1. Analyse whether your business needs it or not
• 2. Review the short and long-term plans
• 3. Check whether the costs of white labeling is suitable or not
• 4. Check and compare offerings from different providers
• 5. Check their review, rating, and customer support
• 6. Understand the compatibility of the payment gateway with your existing software
• 7.  and request a demo to pick one

End Words…

If you want to provide a seamless payment experience with own brand identity, a white-label payment gateway can be the solution you need. It comes with easy and fast integration options – so, you don’t need to face much hassles. PayG Payment gateway too offers white-label facility to all merchants – so, reach out to us to get it and accept payment through UPI, Cards, Net-banking, wallet, etc.