White-Label Payment Gateway for Cards and Crypto: What It Is and How to Launch One

A white-label payment gateway is payment acceptance sold under your brand while the underlying rails are provided by someone else. Your merchants see your dashboard, your checkout and your domain. You own the relationship and set the pricing.

What a gateway actually needs

1. Acceptance rails — card acquiring and/or crypto networks.
2. Routing — choosing which rail or provider can process a given payment.
3. Detection and status — knowing when a payment really happened.
4. Notifications — webhooks to merchants' systems.
5. Settlement — getting funds to the right place.
6. The merchant-facing layer — dashboard, checkout, onboarding, pricing.

Building rails 1–5 yourself means licenses, acquiring banks, card scheme rules and blockchain infrastructure. Most new gateways focus on layer 6 and plug into existing rails.

Building on card-to-crypto and crypto rails

With Vulta's Business plan you get:

• Card acceptance through 13 licensed providers, routed by the payer's country and amount.
• Crypto acceptance on Bitcoin, Ethereum, Base, Arbitrum, Polygon, BSC, Solana and TRON.
• A REST API and API keys to create payment requests from your backend.
• HMAC-signed webhooks with a dead-letter queue and replay.
• A fully custom, self-hosted checkout on your own domain.
• Wallet pools and team seats for operators.
• Non-custodial settlement to wallets you control.

Pricing your service

Gateways usually charge merchants a percentage per transaction plus a setup fee. Because Vulta's Business plan is priced on your volume rather than a fixed per-transaction take, your margin is the difference you set.

Compliance responsibilities

Payer identity checks and card disputes sit with the licensed card providers. As a gateway operator you are still responsible for choosing who you onboard and complying with the rules that apply in your jurisdiction. Get proper advice before launching.

Getting started

Business is set up on a short call so we can understand your flows, countries and volume. See the payment providers page or contact us.

Frequently asked questions

Can my merchants see that Vulta is underneath?

With a self-hosted checkout on your own domain, your merchants and their customers see your brand. The card provider's page still shows the provider's name, as it must.

How is the Business plan priced?

It's agreed individually based on your expected volume, typically a setup fee plus a share of volume. It isn't sold online; book a short call.

Can each of my merchants have their own wallet?

Yes. Payments can settle to per-merchant addresses or to wallet pools you control.

Do you offer a sandbox?

Talk to us about test flows during onboarding. Real card providers don't offer free test charges, so integration tests are usually done with small amounts or crypto test payments.