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You want to offer crypto payment processing under your own brand, but building a gateway from scratch costs $150K+ and takes 7-9 months. A white label solution lets you launch a fully branded crypto payment platform in 1-4 weeks, using proven infrastructure that already processes millions in daily volume.
The tradeoff is control. You get a working product fast, but you're limited to the features and blockchains your provider supports. For most businesses — especially fintechs, payment service providers, and crypto exchanges adding merchant services — that tradeoff makes sense.
What Is a White Label Crypto Payment Gateway?
A white label gateway is a ready-made crypto payment processing platform that you rebrand and resell as your own. The provider handles the blockchain infrastructure, security, compliance, and transaction processing. You handle the brand, customer relationships, and pricing.
Think of it like Stripe Atlas but for crypto payments. The underlying technology is shared, but each deployment looks and feels like a unique product. Your merchants see your logo, your domain, your support email — not the provider behind it.
What you typically get with a white label package:
- Checkout widget with your branding (colors, logo, domain)
- Merchant dashboard under your domain
- API access with your branding in the documentation
- Settlement infrastructure for paying out your merchants
- Compliance tools (KYC/AML screening, transaction monitoring)
- Technical support from the provider (often white-labeled too)
Why Go White Label?
Four scenarios where white label beats building:
- Speed: You need to launch a crypto payment product in weeks, not months. A fintech adding crypto checkout to their existing offering can't wait 9 months for a custom build.
- Cost: You don't have $150K-500K for custom development. White label solutions start at $500/month.
- Regulation: You need a compliant solution with licensed infrastructure. Building compliance from scratch means legal fees ($50K-200K), licensing applications, and ongoing audit costs.
- Focus: Crypto payments aren't your core product — they're a feature. You'd rather spend engineering resources on your main product.
Top 5 White Label Providers
1. CoinsPaid — Best for High-Volume Businesses
CoinsPaid processes over $1 billion monthly and serves 1,000+ merchants across iGaming, e-commerce, and fintech. Their white label product is the most mature in the market.
- Supported Coins: 50+ cryptocurrencies including BTC, ETH, USDT (ERC-20/TRC-20), USDC, LTC, DOGE, TRX, and stablecoins
- Settlement: Auto-convert to EUR, GBP, or USDT. T+1 fiat settlement to bank accounts
- Customization: Full UI rebrand, custom domain, branded merchant dashboard, API documentation under your brand
- Compliance: Estonian VASP license. Built-in KYC/AML with Chainalysis integration
- Pricing: Custom enterprise pricing. Typical transaction fee: 0.8-1% (negotiable based on volume). Setup fee: $5,000-15,000
- Standout Feature: OTC desk integration for large settlements without slippage
2. NOWPayments — Best for Flexibility
NOWPayments offers one of the most accessible white label products — you can start with their "Custody" plan at $499/month and scale up to full white label.
- Supported Coins: 300+ cryptocurrencies. The widest coin selection of any gateway
- Settlement: Crypto-to-crypto auto-conversion. Fiat off-ramp available in select countries
- Customization: Branded checkout page, custom logo, color scheme. API is fully rebrandable
- Compliance: Registered in the Netherlands. Basic KYC for merchants
- Pricing: Custody plan $499/month + 0.5% transaction fee. Full white label: $2,000/month + 0.4% fee
- Standout Feature: Mass payouts tool for paying employees, affiliates, or suppliers in crypto
3. CoinGate — Best for European Merchants
CoinGate is headquartered in Vilnius, Lithuania, and holds a Lithuanian VASP license. Strong European banking relationships make them ideal for EUR-settled merchants.
- Supported Coins: 70+ cryptocurrencies. Lightning Network support for Bitcoin
- Settlement: EUR and USD bank transfers. SEPA same-day settlement for European merchants
- Customization: Branded checkout, custom domain, merchant dashboard theming
- Compliance: Full EU compliance with PSD2 readiness. GDPR-compliant data handling
- Pricing: White label pricing on request. Standard transaction fee: 1%. Volume discounts available
- Standout Feature: Pre-built plugins for Shopify, WooCommerce, Magento, PrestaShop, and WHMCS
4. UniPayment — Best for SMBs
UniPayment targets small and mid-sized businesses that want a straightforward white label solution without enterprise complexity.
- Supported Coins: 30+ cryptocurrencies. All major coins and stablecoins
- Settlement: Crypto or fiat (USD, EUR, GBP). Weekly settlement cycle
- Customization: Checkout widget theming, custom domain, branded invoices
- Compliance: Canadian MSB license. SOC 2 Type II certified
- Pricing: White label starts at $999/month + 1% transaction fee. No setup fee
- Standout Feature: Built-in billing system for subscriptions and recurring payments
5. Plisio — Best Budget Option
Plisio offers the lowest barrier to entry for white label crypto payments. The product is simpler than CoinsPaid or CoinGate, but for basic use cases, it does the job.
- Supported Coins: 20+ cryptocurrencies. BTC, ETH, LTC, USDT, USDC, and others
- Settlement: Crypto-only settlement. No direct fiat off-ramp (use a third-party exchange)
- Customization: Checkout page branding, custom logo, basic color theming
- Compliance: Minimal. No mandatory KYC for merchants processing under $10K/month
- Pricing: 0.5% transaction fee. White label add-on: $500/month. No setup fee
- Standout Feature: Mass payouts API for batch cryptocurrency distributions
Full Comparison Table
| Feature | CoinsPaid | NOWPayments | CoinGate | UniPayment | Plisio |
|---|---|---|---|---|---|
| Coins Supported | 50+ | 300+ | 70+ | 30+ | 20+ |
| Fiat Settlement | EUR, GBP | Limited | EUR, USD | USD, EUR, GBP | No |
| Transaction Fee | 0.8-1% | 0.4-0.5% | 1% | 1% | 0.5% |
| Monthly Fee | Custom | $499-2,000 | Custom | $999 | $500 |
| Setup Fee | $5K-15K | None | Custom | None | None |
| Custom Domain | Yes | Yes | Yes | Yes | Yes |
| KYC Built-in | Yes | Basic | Yes | Yes | No |
| Lightning Support | Yes | Yes | Yes | No | No |
| Best For | Enterprise | Flexibility | EU market | SMBs | Budget |
Pricing Models Explained
White label providers use two pricing models — sometimes in combination:
Monthly License Fee
A flat monthly fee ($500-5,000) for access to the white label platform. This covers infrastructure, updates, and basic support. Higher tiers unlock more features: custom domains, advanced reporting, priority support, and dedicated account managers.
Transaction Fee (Revenue Share)
A percentage of each transaction processed through your platform (typically 0.4-1%). This is the provider's cut. You charge your merchants whatever you want on top — the difference is your margin. For example, if NOWPayments charges you 0.5% and you charge your merchants 2%, you keep 1.5% per transaction.
Example economics: Processing $500K/month through your white label gateway with a 1.5% margin yields $7,500/month in revenue. Subtract the $2,000 license fee, and you net $5,500. At $2M/month, that becomes $28,000 net.
Customization Depth: What Can You Change?
Not all white labels are equally customizable. Here's what each level typically includes:
| Customization Level | What You Get | Providers |
|---|---|---|
| Basic (Skin) | Logo, colors, and fonts on checkout page. Provider's domain still visible in URLs or emails | Plisio |
| Standard (Brand) | Full visual rebrand: custom domain, branded checkout, dashboard, and invoices. Provider invisible to end users | NOWPayments, UniPayment |
| Advanced (Platform) | Everything in Standard, plus: custom features, dedicated infrastructure, branded API docs, SLA guarantees | CoinsPaid, CoinGate |
Branding Guide
Making a white label product feel like your own requires attention to these touchpoints:
- Domain: payments.yourbrand.com, not checkout.coinspaid.com. Set up a custom domain with SSL.
- Checkout UI: Match your brand's color palette, typography, and design language. The checkout widget should feel like a natural extension of your product.
- Emails: Transaction confirmations, merchant onboarding emails, and support communications should come from your domain (noreply@yourbrand.com).
- Documentation: If you're selling to developers, your API docs need to be under your domain with your branding. CoinsPaid and NOWPayments support this.
- Support: Set up your own helpdesk. Most providers offer a "support relay" — your merchants contact your support team, and you escalate technical issues to the provider's team behind the scenes.
Launch Checklist
Use this checklist to go from contract to live white label gateway:
- Week 1: Sign provider agreement. Receive white label credentials and sandbox access. Set up custom domain with DNS records and SSL certificate.
- Week 1-2: Configure branding: upload logo, set color scheme, customize email templates. Set up merchant onboarding flow and KYC requirements.
- Week 2: Integrate your existing platform with the white label API. Test end-to-end payment flow on testnet. Set up webhook handling for payment notifications.
- Week 2-3: Onboard 2-3 test merchants. Process real (small) transactions on mainnet. Verify settlement and payout workflows.
- Week 3-4: Set up monitoring and alerting. Create merchant documentation and support knowledge base. Launch to wider merchant base.
Frequently Asked Questions
Can I set my own transaction fees?
Yes. You pay the provider's base rate (e.g., 0.5%) and charge your merchants whatever you want. The spread is your revenue. Most operators charge merchants 1.5-3% and keep the difference.
Do I need my own licenses?
It depends on your role. If you're acting as a payment facilitator (PayFac) model — onboarding merchants and managing their funds — you likely need a money transmitter license or equivalent. If you're purely reselling (the provider handles merchant onboarding and fund custody), you may be covered under the provider's license. Consult a fintech lawyer.
How is white label different from an API integration?
API integration means you use a gateway's API within your existing product — their brand is invisible, but they control the checkout experience. White label goes further: you get a complete, standalone platform (dashboard, merchant management, checkout) under your brand that you can sell to other businesses. Check our guide on accepting crypto on your website if API integration is all you need.
Can I switch providers later?
Technically yes, but it's painful. You'll need to migrate merchant accounts, update API integrations, and potentially deal with downtime. Choose your provider carefully. The most portable approach: build your own merchant dashboard and use the white label provider only for the payment processing layer.
Our Top Picks
Based on our research, these gateways offer the best combination of features, fees, and reliability: