Top White-Label Payment Gateways In Europe-2025

Choosing the right white label fintech platform is one of the most strategic decisions for PSPs, fintech startups, and merchants planning to expand across Europe’s dynamic payments landscape. With the rise of open banking, digital wallets, and alternative payment methods, businesses need flexible, secure, and customizable infrastructure to manage transactions efficiently.

A white-label payment gateway allows companies to launch their own branded payment solution — with full control over design, features, and customer experience — without the need to build infrastructure from scratch. In 2025, this model has become the backbone of many European PSPs, ISOs, and fintechs seeking faster go-to-market strategies, regulatory compliance, and modern payment orchestration capabilities.

In this article, we’ll explore the top white-label payment gateway providers in Europe, highlighting their unique strengths, technologies, and why they matter for your business.

What Makes a Great White-Label Payment Gateway?

Before diving into the list, let’s define what separates a high-quality white-label gateway from the rest. A reliable provider should offer:

• Custom branding and UX control: Full design flexibility under your company’s brand.
• Multi-provider integrations: Access to multiple acquirers and PSPs via a unified API.
• Smart routing and cascading: Optimized transaction flows for improved approval ratios.
• Security and compliance: PCI DSS Level 1 certification, tokenization, and 3D Secure support.
• Advanced reporting and analytics: Real-time monitoring, BI dashboards, and reconciliation tools.
• Modular infrastructure: Scalable and adaptable for high-risk, cross-border, or niche use cases.
• European acquirer network: Coverage across SEPA, UK, and EEA payment ecosystems.

Now let’s look at the leading European platforms that offer these capabilities.

1. UniPay Gateway

Headquarters: Vilnius, Lithuania

Overview:
UniPay is a long-established European payment gateway software provider offering a white-label solution designed for PSPs, ISOs, and acquiring banks. It enables organizations to launch their own branded payment platforms quickly and operate globally.

Key Strengths:

• Modular architecture supporting card processing, APMs, and recurring billing.
• Extensive back-office tools for reconciliation and risk management.
• Flexible licensing model with hosted or on-premise deployment.
• Supports integrations with local EU acquirers and alternative payment systems.

Why It’s Great:
UniPay’s experience and modular approach make it an excellent choice for established payment companies or financial institutions expanding their infrastructure.

Best for: Acquiring banks and PSPs seeking a proven, enterprise-grade gateway with full on-premise control.

2. Akurateco

Headquarters: Amsterdam, Netherlands

Overview:
Akurateco stands out as a next-generation payment orchestration and white-label payment gateway provider serving PSPs, fintechs, and high-risk merchants across Europe and beyond. The company’s unified platform is built around flexibility, scalability, and intelligent payment routing.

Key Strengths:

• Connects 300+ payment providers and acquirers through a single integration.
• Offers smart routing and cascading, ensuring maximum approval rates and minimal declines.
• Fully white-labeled interface with custom branding and back-office control.
• PCI DSS Level 1 certified and equipped with AI-driven fraud prevention.
• Comprehensive reporting, analytics, and decline reason management.
• Supports both EU-regulated and high-risk industries such as iGaming, crypto, and travel.

Why It’s Great:
Akurateco combines a robust technical foundation with flexibility and support. It’s ideal for fintechs and PSPs that need a scalable white-label fintech platform capable of managing complex multi-gateway infrastructures.

Best for: European PSPs and fintechs wanting to launch their own white-label payment solution with intelligent orchestration and compliance built in.

3. Corefy

Headquarters: London, UK / Kyiv, Ukraine

Overview:
Corefy is a popular European white-label gateway platform offering an end-to-end solution for payment providers, aggregators, and online businesses. Its system supports multi-currency, multi-acquirer payment orchestration.

Key Strengths:

• Smart routing and cascading for approval optimization.
• Unified dashboard with analytics and reconciliation.
• White-label infrastructure for branding flexibility.
• Integrations with hundreds of PSPs and wallets.
• Developer-friendly REST API and documentation.

Why It’s Great:
Corefy is well-known for its developer-first approach, flexibility, and constant feature updates tailored for fintech and eCommerce clients.

Best for: Mid-sized PSPs and fintech startups seeking rapid deployment and global PSP connections.

4. Praxis Tech

Headquarters: Cyprus

Overview:
Praxis Tech has become a key player in Europe’s payments ecosystem, especially for iGaming and forex businesses. Its white-label gateway platform provides merchants and PSPs with an efficient solution for managing high-risk transactions.

Key Strengths:

• Smart cashier technology for multiple payment methods.
• Integration with 500+ payment providers worldwide.
• Advanced analytics and rule-based routing.
• Strong focus on compliance and fraud prevention.

Why It’s Great:
Praxis is especially popular among gaming and forex merchants that need specialized high-risk orchestration capabilities and alternative payment coverage.

Best for: High-risk verticals like gaming, forex, and crypto where compliance and routing efficiency are critical.

5. Payneteasy

Headquarters: Riga, Latvia

Overview:
Payneteasy provides full-cycle payment gateway software for acquirers, PSPs, and fintech companies. Its white-label platform is highly customizable and suitable for various industries, including eCommerce, travel, and financial services.

Key Strengths:

• Supports acquiring, processing, and gateway operations.
• White-label licensing with localized payment options.
• Detailed transaction analytics and fraud prevention.
• High scalability with multiple API connections.

Why It’s Great:
Payneteasy’s platform is known for flexibility and robust customization options for European payment institutions.

Best for: PSPs and financial organizations that want on-premise gateway deployment and total control over operations.

6. IXOPAY

Headquarters: Vienna, Austria

Overview:
IXOPAY is a modular payment orchestration platform with white-label capabilities. It offers a unified integration layer for multiple payment providers and focuses on routing, risk management, and reporting.

Key Strengths:

• Highly modular, enterprise-grade infrastructure.
• Smart routing and fail-over mechanisms.
• White-label back-office and merchant portal.
• Real-time transaction monitoring and compliance tools.

Why It’s Great:
IXOPAY combines orchestration and compliance excellence, making it ideal for large PSPs managing complex European operations.

Best for: Large payment providers and enterprises operating across multiple EU markets.

7. BridgerPay

Headquarters: Limassol, Cyprus

Overview:
BridgerPay has emerged as an agile orchestration and white-label payment gateway platform focused on enabling merchants to connect easily to multiple payment solutions.

Key Strengths:

• No-code integration model with drag-and-drop functionality.
• Payment orchestration engine with smart routing.
• User-friendly merchant dashboard and checkout customization.
• Localized solutions for EU and UK markets.

Why It’s Great:
BridgerPay is simple to deploy and cost-efficient for merchants or PSPs seeking quick setup and operational transparency.

Best for: SMEs and eCommerce platforms looking for an easy-to-launch, modular payment gateway with European coverage.

Why Europe Leads in White-Label Payment Solutions

Europe’s payments ecosystem is among the most diverse and regulated globally. With PSD2, open banking, and GDPR frameworks, PSPs and fintechs in the region must operate with high compliance and flexibility. White-label gateways allow them to:

• Launch fast with pre-built infrastructure.
• Connect seamlessly to acquirers across the EU and UK.
• Meet regulatory and PCI DSS standards without developing in-house systems.
• Offer local payment methods like SEPA, Sofort, and Bancontact alongside cards and wallets.

In 2025, demand for customizable payment infrastructure continues to grow — particularly among PSPs, PayFacs, and financial startups that need speed, control, and innovation.

Final Thoughts

Europe’s payments market is evolving faster than ever, driven by fintech innovation and growing demand for flexibility. Whether you’re a new PSP, an ISO, or a fintech startup, choosing the right white label fintech platform can determine how quickly you scale and how efficiently you manage payment flows.

From established enterprise-grade providers like IXOPAY and UniPay, to versatile orchestrators like Akurateco and Corefy, each of the platforms on this list offers unique advantages for launching or enhancing your payment infrastructure.

For businesses seeking advanced orchestration, routing, and analytics with full white-label flexibility, Akurateco stands out as a leading European solution ready for 2025 and beyond.