Can a PSP offer a gateway under its own brand?
Yes. A PSP can offer a payment gateway under its own brand by using white-label infrastructure instead of building one. The provider supplies the API, payment pages, back office and acquirer connections, while the PSP keeps its name, merchants and pricing, and stays responsible for its own licenses.
In detail
Yes. A PSP does not have to build a payment gateway to offer one under its own name. With white-label payment infrastructure, the technology comes from a provider and the brand, the merchants and the pricing stay with the PSP.
What the infrastructure provides
- The API and payment pages that merchants integrate.
- A back office for the PSP and for its merchants.
- Connections to acquirers and payment methods.
- Reporting, reconciliation data and routing rules.
What stays with the PSP
The PSP remains responsible for its own regulatory status, its acquiring agreements and its merchants. White-label infrastructure does not replace a license: it replaces the engineering and maintenance of the platform.
The same approach works for ISOs, PayFacs and software platforms that want to move from reselling someone else’s gateway to running their own. NORBr provides this infrastructure: see launch a new branded PSP, the Payment Platform Builder and What Is a Payment Gateway?.