White label payment gateway: driving the transformation of digital payments

Norberts Miller of Decta presents a strong case for white label payment gateways to be a more accessible alternative to personalized payment solutions

At the heart of economic change

As the global economy moves digitally, it affects countless businesses and shapes the daily lives of millions of people around the world. Although driven by vision and income, most trends in the digital economy are entrenched and dependent on technological capability. The payments industry is a central part of any change occurring in today’s economy, providing a backdrop for digital transformation, facilitating the development of customer-centric services, fueling current business models and allowing new ones.

About payment gateways

What the payments industry is to the economy, payment gateways are to the payments industry. Enabling businesses to accept payments online, they’re a tool that fulfills the primary purpose of virtually any business venture: getting paid.

In general terms, a payment gateway is part of a merchant’s customer interface designed to collect transaction data and share it with the merchant’s acquiring bank for processing. Depending on the application, payment gateways can work with online or offline touchpoints, as well as a combination of the two. Different modes of operation are achieved through the adoption of different payment scenarios and association with various external services.

Below the surface, payment gateways are used to store, organize, and modify transaction and account data. They also act as a handy analytical tool, facilitating data-driven decision making. Overall functionality is normally defined by the specific use case combined with the level of detail provided by the payment service provider (PSP).

“How a payment gateway works” – diagram showing the main elements of a payment solution involving a payment gateway: merchant, e-commerce store, payment service provider, various types of integration]

A personalized case

A payment gateway that “works” is, by all means, a good place to start. In fact, some businesses might find that a well-designed basic payment solution is all they need for their needs.

However, the rise of e-commerce, the massive digitization of the service ecosystem, and growing customer expectations suggest both increased competition and a new set of business and technology requirements.

Additionally, companies often find that they need to pay more attention to their branding in order to stand out and build more meaningful relationships with their customers and prospects.

Payment gateways, being an essential part of the user interface both visually and functionally, are in a hurry to follow suit and anticipate more customization options. The ability to provide personalized payment solutions in a busy market determines whether a business is able to adapt and push for success by:

  • Innovation;

  • Optimization of business logic;

  • Regulatory compliance;

  • Security;

  • Compatibility and integration;

  • Customer satisfaction and loyalty;

  • Competitiveness;

  • Relevance;

  • Brand awareness.


There is still a riddle. Regardless of the growing demand, most businesses are unable to develop their own personalized payment solution from scratch. This is mainly due to the development and maintenance which requires a lot of resources. To illustrate, some of the building blocks include:

  • A large team of highly qualified payment IT professionals;

  • Expensive, complex and time-consuming development and maintenance, as well as integration with the main global payment systems (aka Visa / Mastercard);

  • Configuration of multiple systems, such as server infrastructure and development environments;

  • Complex automation of payment and account data;

  • Difficult to automate customer onboarding and compliance procedures.

White mark

Out-of-the-box white-label services allow you to customize an out-of-the-box solution to match your unique set of requirements. It can then be launched under your own brand in a matter of days, for months of iterative development, testing and calibration in the event of a new service being created.

A good white label payment gateway acts like a building kit, allowing you to add or remove parts, adjust both appearance and functionality, and integrate the solution into a network of more services. large. The more flexible and well thought-out the solution, the more easily it can be modified to achieve the following benefits:

Complete solution

When properly configured, a white-label payment gateway is a comprehensive payment service covering basic functionality, security features, and the certifications and integrations required for a full payment cycle. This normally includes PCI DSS compliance, the latest 3D Secure 2 version, integrations with various alternative payment methods, analytics and account management features.

Hassle-free integration

Depending on the region and market segment, a payment solution may be required to adapt to local laws and market specifics by adding the necessary features and integrations.

White label payment solutions typically have a development team behind them, helping merchants and PSPs mix and match business and technology partners, acquirers, payment schemes, fulfillment centers, alternative payment methods , third-party services, etc.

Innovation standing the test of time

The demand for innovation in e-commerce and fintech is obvious to anyone who knows the subject from a distance. The payments industry goes hand in hand with constant technological evolution, the development of new types of services and payment paradigms.

Companies are forced to revise their workflows and explore new market niches due to increased competition, regular updates in legislation and growing customer expectations.

Whether you are looking to adapt your business to changing circumstances or push the boundaries, a reliable, innovative and scalable white label payment solution will help you align your operations with your long-term business values.

About Norberts Millers

Norberts Millers is the Product Owner of the payment gateway at DECTA. Norberts has been active in the IT payments industry for over 7 years, always keen to learn more about customer needs from different angles. He has carried his curiosity-driven approach across multiple roles – support, compliance, business analysis and now product ownership. His in-depth understanding of the industry enables him to offer modern payment solutions to a variety of customers, from small online merchants to large financial institutions.


Decta is a global online payment processor. We are a core member of the Visa and Mastercard networks with expertise in providing integrated services for third party payment processing, online acquisition, payment card issuance, and hosting a payment gateway. owner payment. Our 2000+ customers include online merchants, banks, PSPs and corporate clients in 32 countries.

About Matthew R. Dailey

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