Launch your own branded payments business.
We provide the infrastructure, compliance, and processing rails. You bring the merchants, brand the portal, and earn 25% of net processing margin paid monthly. Your customers think it's your platform. We make sure it works.
Payments is a great business, but only if you have the rails.
Building a payments business from scratch requires bank sponsorship, card-network certifications, PCI compliance infrastructure, fraud monitoring, settlement processing, and a customer support operation that knows interchange categories. That's a multi-million-dollar setup. Or you can white-label our infrastructure and start tomorrow.
- →Direct ISO setup costs $1M+ and takes 18 months minimum.
- →Card-network certifications (Visa, Mastercard, AmEx, Discover) are gated and slow.
- →PCI Level 1 compliance is an annual six-figure audit.
- →Without the infrastructure, you can't capture meaningful processing margin.
What white-label gets you.
What partners on Reyna Pay's platform earn and operate.
We do the boring infrastructure. You do the customer relationships.
Compliance, fraud monitoring, settlement, chargebacks, support tooling, all on us. You focus on what you're good at, finding merchants and serving them. Recurring revenue grows with your portfolio.
Features built for white-label payment processing.
Branded merchant portal
Your logo, your colors, your domain (subdomain). Your merchants see your brand, not ours. They sign up through your URL, log in through your URL, manage their account through your URL.
25% of net processing margin
Recurring revenue. Paid monthly. Calculated transparently per merchant on your portfolio. No clawbacks on chargebacks (that's our cost, not yours). Your portfolio grows, your revenue compounds.
Underwriting and compliance handled
We approve or decline merchant applications. We handle the PCI scope. We deal with the network rules. You focus on bringing merchants in, we keep them processing.
Marketing and sales toolkit
Pitch decks, pricing calculators, ROI sheets, comparison tables, your subdomain landing page. Everything you need to sign your first 50 merchants quickly.
Where this solution wins.
Vertical SaaS company adding payments
Embed payments into your software. Capture margin on every transaction your customers process.
Industry consultant
You serve a specific vertical, you know what they need. Bring them onto a payments platform you brand.
Franchise group
Brand the payments platform with your franchise name, all franchisees process through 'your' system.
Independent sales organization (ISO)
You already sell payments. Get better margin, better tooling, vertical-specific products.
Industry association
Endorse a payments platform branded with your association. Members get a better deal, you earn margin.
Common questions about white-label payment processing.
There's no upfront cost for our standard partner tier. We provide the infrastructure and you keep 25% of net processing margin. Higher tiers with custom branding and dedicated support are available.
Most partners are live within 2 weeks, most of which is your team configuring the brand assets and onboarding flow. Underlying infrastructure is ready immediately.
Chargebacks are our cost, not yours. We handle the dispute process and absorb the risk on standard programs.
Yes. Our processing rails work everywhere in the US. International expansion case-by-case.
Built for these verticals.
From the Reyna Pay blog.
What's a 'white label' payment processor? (And why most aren't really white label)
Every payments company calls itself white-label. Almost none of them actually are. Here's what real white-label means, what to look for, and why it matters if you're trying to launch a branded payments business.
How to start a payment processing business legally in 2026
Starting a payments business has fewer barriers than you think, and more legal landmines than you'd expect. Here's the path most successful operators actually take in 2026.
Ready to use white-label payment processing?
Apply in two minutes. Most merchants approved within 24 hours.