Ready-made payment software. Entirely your brand.
Payomatix builds finished, production-grade payment platforms — and hands them to you white labelled. Orchestration, banking-as-a-service, on-ramps, off-ramps and cross-border transfer systems: every screen, API and dashboard carries your name. You launch as a payments company without spending 18 months building one.
What does white labelling actually mean here?
Most vendors sell you “white label” and hand over a dashboard with your logo bolted on. We go further. You receive complete, battle-tested software — the routing engine, the ledgers, the compliance workflows, the mobile flows — rebranded, reconfigured and deployed for you.
Your clients log into your platform, at your domain, with your pricing. You own the customer relationship, the data and the margin. We stay invisible — the technology partner behind your product.
We operate all five layers. Your customers only ever see the top one — wearing your name.
Five platforms we white label
Each one is a complete product, not a feature bolt-on. Start with the platform that matches your business model — or combine them.
White Label Payment Orchestration Platform
Your branded gateway that routes every transaction intelligently
A complete, ready-made payment gateway that carries your brand. You connect acquirers, PSPs and wallets once, and the orchestration engine routes every transaction to the provider most likely to approve it — with automatic failover when a provider degrades. Your merchants see your logo, your colors, your domain; Payomatix technology works invisibly underneath.
- Intelligent routing engine with configurable rules and cascading retries
- Merchant onboarding, KYC/KYB workflows and sub-merchant management
- Branded merchant dashboard: transactions, settlements, disputes, analytics
- Admin console to manage providers, pricing, commissions and merchants
- Checkout, payment links, recurring billing and hosted payment pages
- Restful APIs, SDKs, webhooks and a sandbox environment
- Reconciliation, settlement reporting and revenue-share reporting
- Fraud screening, risk rules and 3DS handling built in
White Label Banking as a Service Platform
Launch a neobank, wallet or financial product under your name
A turnkey core-banking and BaaS stack you rebrand end to end. Customer onboarding, multi-currency accounts, ledgers, transfers, cards and payouts ship pre-integrated — you plug in your licensed banking or partner-bank rails and go to market with a product that looks and feels like you built it in-house.
- Customer onboarding with configurable KYC/AML flows
- Multi-currency wallets and account ledgers
- Domestic & international transfers with provider abstraction
- Card issuing hooks, spend controls and transaction limits
- Beneficiary management and payout approvals
- Admin back office: limits, freezes, disputes, audit trails
- Mobile-ready client portals and full API surface
- Transaction monitoring and reporting exports
White Label On-Ramp Platform
Let your users buy digital assets with fiat, under your brand
A production-grade fiat-to-crypto on-ramp product branded as yours. Users complete KYC, fund via card, bank transfer or local rails, and receive digital assets in their own or a custodial wallet — while every screen, email and transaction record carries your identity.
- KYC/KYB onboarding with tiered limits
- Fiat collection via cards, bank transfers and local methods
- Quote engine, rate management and spread controls
- Wallet coverage: custodial, non-custodial and whitelisted addresses
- Transaction lifecycle: quotes, execution, fulfilment, settlement
- Compliance hooks: sanctions screening, travel-rule readiness
- Admin console for limits, currencies, providers and users
- Full audit trail and regulator-friendly reporting
White Label Off-Ramp Platform
Cash-out and payout rails, delivered as your product
The mirror of the on-ramp: a branded digital-asset-to-fiat engine. Users sell digital assets and receive local-currency payouts through bank accounts, wallets and domestic rails — with the FX, compliance and reconciliation machinery running quietly behind your interface.
- Sell-side quote engine with live rates and spread control
- Payout rails: bank accounts, wallets and local methods
- Multi-currency settlement with FX handling
- Automated reconciliation against on-chain and banking records
- KYC/AML and sanctions screening on both ends
- Payout holds, reviews and release workflows
- Admin console with limits, providers and user management
- Webhooks and status tracking end to end
White Label Cross-Border Transfer Platform
International money movement, wearing your brand
A complete remittance and cross-border payments product. Corridors, FX pricing, compliance checks and payout networks come pre-wired — your customers send and receive money internationally inside an experience that is unmistakably yours.
- Corridor management: routes, providers and coverage controls
- Live FX engine with configurable spreads and locked rates
- Beneficiary onboarding and payout-method coverage
- Compliance layer: sanctions, AML screening and transaction limits
- Multi-leg settlement tracking and reconciliation
- Sender app flows: send, track, repeat and receipts
- Admin console for corridors, limits, pricing and users
- Regulator-ready reporting and audit exports
From first call to your live platform
A proven six-step path. You always know what happens next and who does it.
Discovery & scoping
We map your business model, target market, licensing position and volumes, then recommend the right platform and configuration — not the biggest one.
Branding & design
Your identity is applied across every surface: dashboards, checkout, emails, invoices, error states and mobile. Nothing ships with our name on it.
Configuration
Payment methods, currencies, corridors, routing rules, limits, pricing and commission models are configured to your commercial terms.
Provider connections
Acquirers, PSPs, banking partners and payout networks are connected — ours already negotiated, or your existing ones plugged in.
Compliance & testing
KYC/AML flows, risk rules, audit trails and reconciliation are validated. End-to-end testing covers happy paths, edge cases and failover.
Go-live & operations
Your team is trained, monitoring is live, and our support SLA begins. The product runs under your brand from the first transaction.
Included in every build
Whichever platform you choose, this is the baseline — not an upsell.
Full brand takeover
Your logo, colors, typography, domain, email templates, invoices, checkout pages and system emails — the software presents as entirely yours.
APIs, webhooks & SDKs
A complete developer surface under your domain: REST APIs, server SDKs, hosted components and webhooks your clients can integrate against.
Admin & merchant dashboards
Two purpose-built consoles: an operations back office for your team and a self-serve dashboard for your merchants or customers.
Web & mobile interfaces
Responsive web experiences and mobile-ready flows so your product behaves natively on every device your users pick up.
Hosting, scaling & monitoring
PCI-DSS-aligned infrastructure, high availability, monitoring and incident response — run by us, appearing as your platform.
Compliance groundwork
PCI-DSS Level 1 processing, encryption, audit logging, role-based access and support for your licensing and regulatory conversations.
Dedicated support & SLA
Onboarding, integration assistance, a named support channel and a defined SLA — so your team is never left alone with production.
Provider & banking network
Leverage our established acquirer, PSP, banking and payout relationships, or bring your own — the platform abstracts either.
Build it — or white label it?
Building in-house is sometimes the right call. Here is the honest comparison.
How you make money on it
A white label platform is a revenue engine, not a cost centre. You control pricing; our fee is a fixed, transparent layer underneath it.
The economics, plainly
Your costs: a setup fee, a recurring platform fee, and per-transaction processing costs. Your revenue: everything your market will pay above that.
Deployment models & ownership
Choose how much of the operation you want to run — we support all three.
Fully managed
We host, run, monitor and support the platform end to end. You focus on selling, onboarding and growth. Fastest path to market.
Best for teams without infrastructure staff
Co-managed
We run the core platform; your team gets admin access for merchants, pricing and day-to-day operations, with our engineers a call away.
Best for teams with some ops capacity
Dedicated deployment
A dedicated environment for your brand with stricter isolation, custom capacity and region choices — discussed case by case.
Best for enterprises & regulated entities
Security & compliance, inherited
Your platform runs on the same certified, hardened stack our own processing runs on.
White label questions, answered
Will my customers know the platform is powered by Payomatix?
No. Every customer-facing surface — dashboards, checkout, emails, invoices and APIs — carries your brand. Our name appears only in your back-end agreements, never in front of your users.
Can we use our own acquirers, banks and PSPs?
Yes. You can run entirely on your own provider contracts, use our pre-integrated network, or mix both. The orchestration layer treats them uniformly, so routing and failover work either way.
Do we need our own payment or banking licence?
It depends on your model and jurisdiction. Where regulation requires a licence, we guide you through options — partner-of-record structures, sponsorship or your own application — and configure the platform accordingly.
Who owns the data and the customer relationships?
You do. Your merchants, transactions and customer records belong to you, and export tooling means you are never locked in. We operate the technology; you own the business.
How does revenue sharing work?
You set your own pricing and commissions. We charge you a transparent platform fee plus processing costs; everything above that is your margin, with revenue-share reporting built into your admin console.
How long does launch actually take?
Typical branded launches go live in 4–8 weeks, depending on how many providers, corridors and custom flows are in scope. Licensing-dependent models can take longer because of the regulatory steps involved.
Can we start with one platform and expand later?
Yes — that is the common path. Many clients launch with orchestration first, then add on-ramp, off-ramp, BaaS or cross-border modules as their volumes and licences mature.
What happens if we outgrow the platform or want to leave?
The agreement includes clear exit and export terms. Your data is portable, and we assist with migration so your business never gets held hostage by its technology.
Ready to launch your payment platform?
Tell us what you want to build and who it serves. We will recommend the right platform, map the providers and licences involved, and give you a realistic timeline — usually within one call.
Explore more from Payomatix
Deeper context on the technology and services behind our white label platforms.
How intelligent routing, retries and provider management maximize approvals.
The BaaS rails underneath our white label banking platforms.
Global collection and disbursement infrastructure across rails.
The platform layers, APIs and security model behind every product.