White-label payments describe a model in which a technology provider builds and operates payment processing infrastructure that other businesses can rebrand and present as their own. The platform’s end users interact with a checkout experience that carries the platform’s name, logo, and visual identity, while the underlying transaction processing, security, compliance, and PSP connectivity are handled by the white-label provider behind the scenes. The term “white-label” comes from the broader practice of selling unbranded products or services that the buyer rebrands for their own market.
This model has become the standard approach for platforms and SaaS companies that want to embed payments without building a payments operation from the ground up. Developing payment infrastructure in-house requires PCI DSS certification, direct relationships with acquiring banks and card networks, ongoing compliance maintenance, fraud management systems, and engineering teams with specialised payments expertise. White-label payments bypass this complexity — the platform gains a fully functional payment capability while the provider assumes the technical and regulatory burden.
The quality of a white-label solution varies enormously depending on how deeply it can be customised and how much of the payment lifecycle it covers. A shallow integration might offer a branded checkout page but leave the platform to manage reconciliation, disputes, and PSP failover independently. A comprehensive white-label solution covers the entire payment stack — from tokenisation and transaction routing through to settlement reporting and chargeback management — all under the platform’s brand. The depth of the white-labelling determines whether the platform truly owns its payment experience or merely skins someone else’s checkout.
Shuttle Global provides enterprise-grade white-label payments as the core of its Embedded Payments product. Platforms integrating Shuttle present a fully branded payment experience to their users — every touchpoint, from the checkout form to the payment confirmation, reflects the platform’s identity. Under the surface, Shuttle manages PCI DSS Level 1 compliance, connections to 40+ PSPs, smart transaction routing, and unified reporting. This extends across all channels: online payments through embedded forms, remote payments via Payment Links, and telephone payments through Voice Checkout all operate under the platform’s brand while Shuttle handles the infrastructure. The result is a payment experience that looks and feels native to the platform, backed by the resilience and coverage of a multi-PSP payment layer.