What you need to know about white-label payment processing

White-label payment processing allows SaaS businesses to embed payments under their own brand, using the infrastructure and technology of a licensed provider. This eliminates technical and compliance complexity and the cost of building and maintaining the payment infrastructure in-house.

With a white-label model, platforms get full visibility and control of the payment experience. Instead of relying on third party tools, they can design payments in the way that fits their users’ needs. This includes offering tailored payment terminals and personalized checkout experiences, while the provider handles the complexity of payments, updates, and compliance behind the scenes.

With white-label payment processing, SaaS businesses can offer payments directly within their platform, without redirecting users to a third-party payments provider. Here’s how it typically works:

• The platform owns the experience: From onboarding to checkout to reporting, users interact with the platform. The interface is fully branded, and the platform controls how and when payments are offered.

• A licensed provider powers the backend: The backend provider manages the infrastructure. This includes payment processing, global acquiring, compliance, and direct connections to card networks or banks. The platform enables the experience via APIs and modular UI components.

• Users stay within the ecosystem: There are no redirects or disconnected workflows. The entire payment journey happens inside the platform’s environment, which helps strengthen engagement and trust.

• The platform monetizes the financial layer: Instead of passing revenue to a third party, the platform earns a share of payment revenue.

There are three key reasons why businesses are choosing to bring payments in-house:

1. Stay in control: Maintain ownership over the customer experience.

2. Create new revenue streams: Capture interchange and transaction margins.

3. Build customer loyalty: Enhance their product that users rely on day-to-day and build value that keeps users from switching providers.

Many platforms start by using traditional payment service providers (PSPs) to offer payments.

PSPs act as intermediaries between businesses, customers, and financial institutions such as banks and credit card networks. While they simplify initial setup, they often create operational gaps and restrict monetization opportunities.

Common challenges with traditional providers:

• Revenue leakage: A significant share of transaction revenue is lost to intermediaries, limiting a platform's monetization ability. Third-party providers often retain control over pricing and fees, leaving the platform with minimal revenue share.

• Disconnected user experiences: Redirects, third-party branding, or separate dashboards can impact trust and lead to drop-offs.

• Limited product flexibility: Platforms are restricted by what the provider builds and when, rather than what the user needs or business strategy requires.

• Lack of data visibility: Without access to transaction-level data, it's harder to personalize, optimize, or support users effectively.

Adyen’s white-label payment solution helps your platform deliver embedded white-label payments processing that accelerate SMB growth while keeping you in control.

With a single integration, you can provide payments under your brand, without building the infrastructure yourself.

You maintain the full customer journey. Adyen powers the technology in the background, giving you the tools to launch and scale without added complexity.

Here’s how Adyen supports your growth:

• Own the experience: The payment experience lives inside your platform. You have control over the customer relationship and full visibility into every transaction.

• Accelerate innovation and reduce risk: Adyen manages payment infrastructure, compliance, and updates in the background so your team can focus on building features that add value to your users.

Embedded finance: The bigger opportunity surrounding embedded payments

Embedded payments are a powerful way for platforms to take control of their payments offering. However they are just one part of a bigger opportunity: embedded finance. This refers to integrating financial services, including lending and banking as well as payments, into non-financial platforms.

Embedded financial products beyond white-label payments are not yet available in Singapore, but are available in the US, Europe, and the UK.

Explore how Adyen for Platforms can help you launch embedded payments under your brand and on your terms.