Startup-Focused White Label Options
Modern payment facilitators, such as Payrix and Infinicept, offer white label solutions without any upfront fees and instead charge a percentage of the volume processed – usually 0.25% – 0.5%. These solutions allow you to fully control the branding-not letting your customers see any logos of the processor-and relieve you of the compliance headaches. The technical integration differs: Payrix provides React components to enable seamless checkout embedding, in contrast to Infinicept which provides full API documentation for custom construction. Unlike traditional processors, these products support sub-merchant underwriting, which is important for marketplaces onboarding their own vendors. Fraud protection is also included, mostly with the use of machine learning models trained on transaction patterns from similar startups.
Implementation Best Practices
Begin with a phased rollout, starting with card payments, before introducing ACH and other options. Use the provider’s hosted payment pages for the initial setup, and then shift to embedded elements as technical resources allow. Negotiate volume thresholds carefully; in many cases, processing $50k+ per month within six months is a must to keep favorable terms. For SaaS platforms, make sure that the gateway has a per-merchant settlement; in other words, each customer should receive their own payouts without commingling of funds. KYC for sub-merchants is a breeze, but you’ll still have to do it yourself. Automated tools such as Alloy or Middesk will take care of this for you. Always have a backup processing relationship; white-label providers may change terms on you when you scale.
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