If you’ve ever felt frustrated seeing your customers redirected to a third-party checkout and they drop off the payment page, you’re not alone. It’s a common issue for businesses, the moment when your brand takes a backseat, and someone else’s name takes over.
That’s why I put this guide together. A white-label payments API is designed to keep the entire payment journey under your brand, from checkout screens to email confirmations. It means customers never leave your flow, while compliance and reporting are handled in the background.
You’re in the right place if you’re looking for clear, up-to-date options. Here, we’ll break down the top UK providers offering rebrandable payment solutions from gateways to Pay by Bank APIs and orchestration platforms, so you can see which one fits your business best.
How to Choose the Right White-Label Payments API
Not every white-label payments API offers the same level of control. Some are built around card processing, others focus on Pay by Bank, and a few combine everything through orchestration. The best fit depends on how much branding freedom you want and what matters most to your customers.
Key things to check
- Branding depth: Can the checkout, emails, and dashboards be fully rebranded, or will customers still see traces of the provider?
- Regulatory alignment: Look for FCA authorisation, PSD2 compliance, and full Strong Customer Authentication (SCA) support.
- Settlement speed: Check how quickly funds are released. Payout timing can make or break cash flow.
- Reporting and reconciliation: A strong white-label payments solution should give you branded reports and clean exports that save time.
- Onboarding and support: Ask how long it takes to go live and what kind of guidance is included along the way.
Security and compliance
A good-looking checkout isn’t enough — security is non-negotiable.
- For card gateways, PCI DSS Level 1 certification is the standard to expect.
- For Pay by Bank APIs, the provider should be regulated as an AISP or PISP.
- For every option, SCA flows must be covered for UK users.
Choosing a white-label payments API that balances branding with compliance will help you build customer trust and avoid issues down the line.
Comparing White Label Payment APIs in the UK
| Provider | Category | Branding Depth | Payment Methods | Settlement | Best For |
|---|---|---|---|---|---|
| Finexer | Pay by Bank API | Checkout, dashboard, receipts, full white-label | Open Banking (A2A, QR, batch, links) | Instant via Faster Payments | UK businesses needing rebrandable Pay by Bank |
| Cardstream | Gateway | Checkout, dashboard, reports | Cards, alternative payments | Standard acquirer payout | PSPs, ISOs, banks |
| Akurateco | Gateway + Orchestration | Full rebrand, merchant management | Cards, alternative methods | Flexible | PSPs needing multi-acquirer setup |
| Corefy | Gateway + Orchestration | Checkout, merchant portal, API | Cards, wallets, crypto | Configurable | Fintechs and PSPs with global reach |
| DECTA | Gateway | Omnichannel, checkout, receipts | Cards, alternative payments | Standard | Merchants needing omnichannel support |
| Encoded | Gateway + Orchestration | Checkout, merchant portal | Cards, Pay by Link | Standard | UK PSPs and resellers |
Finexer
Best For
Finexer is best for UK businesses that want a white-label payments API designed around Pay by Bank. It’s built for firms that value instant settlement, rebrandable checkout, and compliance handled in the background.
What “White-Label” Means Here
Every part of the flow can be customised from the checkout screen to customer receipts. Dashboards, batch payments, and even QR codes can all carry your branding, giving customers a consistent journey.
API & Coverage
Finexer connects to 99% of UK banks through Open Banking. The API supports Pay by Bank, payment links, QR codes, and batch payments. Webhooks and developer tools are included to keep the integration smooth.
Settlement & Operations
Payments are routed through Faster Payments, so settlement is near-instant. Reporting is available through a branded dashboard or exports, making reconciliation simpler for finance teams.
Compliance & Security
Finexer is FCA-authorised as a PISP. SCA flows are fully covered, and sensitive data never passes through your systems. This makes regulatory alignment easier for UK businesses.
Pros
- Fast onboarding with 3–5 weeks of hands-on support
- Instant settlement via Faster Payments
- Fully rebrandable checkout and dashboards
- Usage-based pricing model for flexibility
Considerations
- UK-only coverage (no international payments)
- Focused on Open Banking rather than card processing
Get Started
Connect today and see why businesses trust Finexer for secure, compliant, and branded checkout experience
Try NowCardstream
Best For
Cardstream is a strong choice for payment service providers, ISOs, and banks looking for a white-label payment gateway that supports a wide range of card and alternative payment methods.
What “White-Label” Means Here
Its platform can be fully branded with your logo, colours, and domain. Merchants get a dashboard that looks like your own product, and all reporting tools can be rebranded as well.
API & Coverage
The API supports card payments, alternative methods, and recurring billing. It integrates with multiple acquirers, giving flexibility for PSPs and resellers.
Compliance & Security
Cardstream is PCI DSS Level 1 certified and supports 3D Secure (SCA) for UK card payments.
Pros
- Fully brandable payment gateway
- Multi-acquirer support for flexibility
- Recurring billing included
Considerations
- Focused mainly on cards and alternative payments, not Open Banking
- Settlement depends on the acquirer, not instant
Akurateco
Best For
Akurateco works well for PSPs and fintechs that want a white-label payment platform combining a gateway and orchestration layer. It’s built for businesses that need to manage multiple acquirers under one branded system.
What “White-Label” Means Here
The platform allows complete rebranding across checkout pages, merchant dashboards, and client communications. It also includes merchant management tools, so resellers can onboard and monitor their own clients under a single brand.
API & Coverage
Akurateco’s API supports cards, alternative payment methods, and recurring billing. The orchestration engine can connect with different acquirers and payment providers, giving flexibility for scaling.
Compliance & Security
It meets PCI DSS standards and provides 3D Secure for card transactions, aligning with UK and EU regulatory requirements.
Pros
- Combines gateway and orchestration in one platform
- Full rebrand across portals and reports
- Merchant management features included
Considerations
- Focused mainly on cards and APMs
- Instant Pay by Bank settlement not available
Corefy
Best For
Corefy is suited for fintechs and PSPs that need a white-label payments API with advanced orchestration features. It’s a strong option for businesses handling multiple payment providers and high transaction volumes under one branded platform.
What “White-Label” Means Here
The platform can be rebranded end to end from checkout flows to dashboards and merchant portals. This allows partners to present Corefy as their own solution while still relying on its infrastructure.
API & Coverage
Corefy’s white-label payments API connects to cards, e-wallets, and even crypto providers. It includes routing, cascading, and smart retries, giving businesses more control over payment success rates.
Compliance & Security
Corefy meets PCI DSS Level 1 standards, supports SCA for card payments, and includes built-in fraud monitoring to strengthen transaction security.
Pros
- Wide coverage: cards, wallets, crypto
- Smart orchestration tools for better success rates
- Fully rebrandable dashboards and portals
Considerations
- More global in scope, which may be excessive for UK-only firms
- Not built with Pay by Bank as the main feature
DECTA
Best For
DECTA is designed for merchants and PSPs that want a white-label payments API focused on card processing and omnichannel coverage. It works well for businesses that need branded checkout experiences across both online and in-person channels.
What “White-Label” Means Here
With DECTA, the checkout page, customer receipts, and reporting tools can all be rebranded. Merchants interact with a platform that looks and feels like your own, while the infrastructure is managed in the background.
API & Coverage
The white-label payments API from DECTA supports card payments and a wide range of alternative payment methods. It also integrates with acquirers to give flexibility in how businesses process transactions.
Compliance & Security
DECTA maintains PCI DSS Level 1 certification, supports 3D Secure for SCA compliance, and aligns with UK regulatory requirements for card payments.
Pros
- Omnichannel support (online and in-store)
- Branded checkout and receipts
- Strong card processing capabilities
Considerations
- Primarily focused on cards, less on Open Banking
- Settlement timing depends on acquirer agreements
Encoded
Best For
Encoded is a good option for UK PSPs and resellers that want a white-label payments API offering both gateway and orchestration features. It’s suited for businesses looking to provide branded payment services without building infrastructure from scratch.
What “White-Label” Means Here
Checkout pages, merchant portals, and Pay by Link tools can all be branded under your business identity. This allows resellers to offer a complete payment experience as if it were their own product.
API & Coverage
Encoded’s white-label payments API supports card payments, recurring billing, and Pay by Link transactions. It also connects to multiple acquirers, offering flexibility in how payments are processed.
Compliance & Security
The platform meets PCI DSS standards and includes support for SCA under UK regulations. Reporting and reconciliation tools are also available in branded formats.
Pros
- Combines gateway and orchestration in one package
- Pay by Link available under your brand
- Suitable for resellers and UK PSPs
Considerations
- Card-first platform, not focused on Open Banking
- Settlement times vary depending on acquirer agreements
Conclusion
Choosing the right white-label payments API comes down to more than just branding. You’ll want a provider that balances compliance, settlement speed, and flexibility while still letting your customers see only your brand at every step.
From gateways like Cardstream and DECTA to orchestration platforms such as Akurateco and Corefy, there are plenty of options in the UK. Encoded also brings solid features for PSPs and resellers.
But if you’re looking for a UK-first option with instant settlement, full white-label capability, and direct Pay by Bank coverage, Finexer stands out. With its rebrandable checkout, faster integration, and FCA-authorised setup, it’s built for businesses that want control without the compliance burden.
You’re in the right place if your next step is to explore how a white-label payments API can fit into your business. The providers above give you options, but Finexer is the one designed to get you live quickly and under your own brand.
What is a white-label payments API?
A white-label payments API is a payment infrastructure you can brand as your own. It lets you offer checkout, reporting, and customer communications under your identity while the provider handles compliance and processing in the background.
Do I need FCA approval to use a white-label payments API?
If you’re using a Pay by Bank setup, the provider itself must be FCA-authorised as an AISP or PISP. You don’t need separate approval if you’re working with a regulated provider.
Go live faster with Finexer’s FCA-authorised payments API, get started with zero setup fees and unlimited sandboxes!