WHITE LABEL PAYMENT PLATFORM By a United Kingdom FCA-Regulated Payment Institution

WHITE LABEL PAYMENT PLATFORM

By a United Kingdom FCA-Regulated Payment Institution

Launch Your Own Payment Gateway — Fast, Secure, Fully Branded

OVERVIEWA cloud-based White Label Payment Platform provided by a United Kingdom FCA-regulated payment institution, enabling banks, fintechs, PSPs, and payment companies to launch their own branded payment processing, acquiring, card issuing, and account solutions without building infrastructure or proprietary technology. The platform delivers a complete ecosystem for secure global payment acceptance, issuing, and financial account management under your own brand.

REGULATORY & NETWORK POSITIONING

• Operated within a UK Financial Conduct Authority (FCA) regulated framework• Compliance-aligned onboarding, monitoring, and transaction controls• Mastercard Principal Membership support for card Issuing programs• Mastercard Acquiring capabilities for merchant acceptance• Connectivity to international banking and settlement partners

ACCOUNTS, IBAN & WALLET CAPABILITIES

• IBAN account opening via corresponding European banking partners• Named client accounts for individuals or businesses (subject to approval)• Multi-currency wallet infrastructure for holding and transferring funds• Support for incoming/outgoing bank transfers (SEPA/SWIFT subject to setup)• Wallet-to-card and card-to-wallet transaction flows supported• Reconciliation and reporting tools for account and wallet activity

BIN SPONSORSHIP & PROGRAM MANAGEMENT

• BIN sponsorship for debit, credit, and prepaid card programs• End-to-end issuing program setup and structuring support• Card lifecycle management (authorization, clearing, settlement)• Compliance, AML/KYC process alignment, and reporting support• Program management guidance covering scheme rules, limits, and controls• Support for physical, virtual, and tokenized card products

MERCHANT RISK COVERAGE

• Support for low-, mid-, and selected high-risk merchant categories• Risk-based onboarding and monitoring framework• Advanced fraud screening, scoring, and transaction controls• Flexible routing options depending on merchant profile and geography• Ongoing compliance review aligned with regulatory and scheme requirements

CORE PLATFORM CAPABILITIES

• Fully branded payment gateway (domain, checkout, merchant portal, reporting)• Hosted enterprise infrastructure with redundancy and monitoring• PCI-compliant processing with encryption and tokenization• Integrated fraud prevention, risk scoring, and transaction monitoring• Merchant onboarding and account management tools• Dedicated technical support and implementation assistance

PAYMENT FEATURES

• Real-time and batch transaction processing• Hosted payment page and iFrame/API integrations• Virtual terminal for MO/TO transactions• Recurring billing and tokenized payments• Smart routing and authorization optimization• Multi-currency processing and settlement• 3D Secure authentication support• Alternative payment method integrations available

IDEAL CLIENTS

• Acquirer banks and financial institutions• Payment service providers and fintech platforms• Companies launching card issuing or wallet programs• ISOs, agents, and payment resellers• Marketplaces and SaaS platforms adding payments

COMMERCIAL MODEL

Setup Fee: £30,000 – £80,000 (one-time)

Monthly Platform Fee: £10,000 – £15,000

Final pricing depends on branding scope, integrations, issuing/acquiring structure, banking connectivity, merchant profile, and transaction volumes.

KEY VALUE PROPOSITION

• Launch payments, cards, wallets, and IBAN accounts in one platform• Operate within an FCA-regulated institutional framework• Access Mastercard issuing, acquiring, BIN sponsorship, and banking connectivity• Support for mid-risk and selected high-risk merchant segments• No infrastructure build or maintenance required• Enterprise-grade security, compliance, and scalability included• Maintain full client ownership and brand control

NEXT STEP

Request a demo environment, technical walkthrough, and commercial proposal to evaluate launch timeline and program structure.