White-Label PSP Software for Payment Service Providers
SDK.finance is a Software Payment Provider delivering payment software for PSPs that need to build or expand a payment gateway, manage merchants, and control settlements without developing core infrastructure in-house.
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All-in-one white-label PSP software
Merchant and Payment Operations
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Merchant onboarding with document upload and approval flow
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KYC/KYB verification and risk management
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Merchant dashboard with transaction history and reports
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Configurable fees, commissions, and pricing tiers
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Multi-currency support for global operations
Payment Processing and Settlement
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Online and in-store payment acceptance (cards, wallets, bank transfers)
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Card acquiring integrations (MPGS, CyberSource, etc.)
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Automatic settlement and payout processing
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Reconciliation and exception handling dashboard
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Real-time ledger for accurate transaction tracking
Compliance, Control, and Integration
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PCI DSS Level 1 certified backend
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Role-based access for admin, accounting, AML officers
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REST API ecosystem (470+ endpoints) and webhooks
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Sandbox for testing integrations
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On-premise or cloud deployment with optional source code license
What You Can Do with SDK.finance PSP Software
Onboard merchants
Verify and activate them with KYC/KYB flows
Accept Payments
From cards, wallets, or bank transfers via integrated APIs.
Process and route transactions
Through your configured acquirers or payment rails
Settle automatically
Apply commissions and fees per merchant agreement.
Monitor operations
Through an advanced back-office dashboard.
Merchant Portal Powered by SDK.finance
Explore this demo video to discover transactions and balance dashboard, stores management, money withdrawal process and other top features
Who uses SDK.finance PSP software
EMIs
Telecom
Why Companies Choose SDK.finance PSP Software
Own the technology
Get a source code licence for full control over your PSP infrastructure - no vendor lock-in, no dependency on third-party updates.
Accelerated time-to-market
Our pre-built PSP software replaces 18–24 months of internal engineering work. Focus on growth, not infrastructure.
Stay compliant
SDK.finance is PCI DSS Level 1 and ISO 27001:2022 certified, helping you meet key security and regulatory requirements from day one.
Scale globally
From local PSPs to international acquirers — handle thousands of merchants and millions of transactions daily with proven scalability.
Deployment models
Source Code License
AvailableA one-time purchase that provides full ownership of the platform’s codebase. This option is ideal for enterprises and financial institutions that require maximum control, unlimited customisation, and independence from the vendor. With the source code license, you can host the solution on-premise or in your preferred cloud infrastructure.
SaaS
AvailableA subscription-based model designed for startups and growing fintechs that need a quick launch with minimal upfront costs. The SaaS option gives you access to the full white-label PSP software environment, pre-built mobile and web apps, and ongoing updates managed by SDK.finance.
Ready to build your own PSP?
Speed up your go-live with SDK.finance white-label PSP software – the reliable core behind successful payment businesses
White-label Payment Service Provider (PSP) solution FAQ
White-label PSP software is a ready-made payment platform that allows companies to operate as Payment Service Providers under their own brand. With SDK.finance, you get a complete backend for merchant onboarding, payment processing, settlement, and reconciliation – without building everything from scratch.
Choosing white-label Payment Service Provider (PSP) software lets you launch your payment platform faster while keeping full control over your technology and compliance. Instead of spending years developing from scratch, you start with a proven, PCI DSS-certified core that already includes merchant onboarding, payment processing, settlement, and reconciliation. With SDK.finance, you can customise every component, scale globally, and stay audit-ready from day one – all without vendor lock-in.
Unlike typical SaaS vendors, SDK.finance offers both cloud and source code license models. You can own the software, customise it fully, and operate it under your brand – with enterprise-grade performance and compliance built in.
A white-label payment gateway primarily connects merchants to payment processors or acquirers to authorise and route transactions. White-label PSP software covers a broader operational scope: merchant onboarding, KYC/KYB workflows, account and balance management, configurable fees, transaction processing, settlement, reconciliation and reporting. SDK.finance provides the core PSP infrastructure and integrates with the payment gateways, acquirers and payment rails selected for your business.
SDK.finance provides the backend infrastructure required to build and operate a branded payment service. It supports integrations with card acquirers, payment gateways, bank-transfer providers and other payment rails through APIs. The exact gateway and acquiring connections depend on your target markets, payment methods and commercial agreements with external providers.
The cost depends on the deployment model, required integrations, transaction workflows, customisation scope and infrastructure requirements. SDK.finance is available as a SaaS subscription and under a source code licence. Contact the SDK.finance team for pricing based on your business model and technical requirements.
Yes. With the source code licence, the platform can be deployed on-premise or in your preferred private or public cloud environment. A managed SaaS model is also available for companies that want to launch with lower initial infrastructure and maintenance requirements.
The platform supports merchant onboarding, document collection, KYC/KYB approval workflows, configurable fees and commissions, transaction histories, reporting and settlement operations. Merchants can access a branded portal to monitor transactions, balances, stores and withdrawals.
SDK.finance uses a real-time ledger to record transaction and balance movements. PSPs can configure commissions and fees, process merchant settlements and payouts, and monitor reconciliation exceptions through the back office. Actual fund movement is performed through the integrated banks, acquirers or payment providers.
The SDK.finance backend is PCI DSS Level 1 certified and the company is ISO 27001:2022 certified. However, using certified software does not automatically make the PSP’s entire operation compliant. The operator remains responsible for its licensing, policies, integrations, infrastructure and regulatory obligations in each target market.
SDK.finance provides a REST API ecosystem with more than 650 endpoints, webhooks and a sandbox environment. The APIs can be used to connect payment gateways, acquirers, KYC/KYB services, banks, card providers and other external systems required by the PSP.
The timeline depends on licensing, integrations, customisation, infrastructure and testing requirements. Using a pre-built PSP core removes the need to develop ledger, merchant-management, settlement and back-office functionality from scratch, but external provider onboarding and regulatory approval may still affect the launch date.
The software is designed for licensed PSPs, EMIs, payment aggregators, fintech companies and organisations adding merchant payment services, including e-commerce platforms and telecom providers. The appropriate setup depends on the company’s licence, geography and payment model.