Best White-Label Crypto Payment Gateways

If you sell your own goods, start with the checkout you need and where you need the money to land. Branded invoices and a full payment-business platform are different purchases, and paying for the bigger one won't automatically serve your shop better.

How did we choose these white-label gateways?

We picked checkout offers that the providers describe in public documents, and kept them apart from products for running other businesses' payments. That keeps the picks relevant if you sell your own products and want customers to see your shop's name throughout payment.

The order and scores below come from our usual overall provider model: cost carries 25% of the weight, fiat cash-out and licensing 15% each, coins and networks, integrations, features and support 10% each, and onboarding 5%. Those weights say nothing about the price, security or permissions of a branded contract, and the prices shown answer a narrower question than the scores do.

These are starting points, and your situation may change them. Look closer at Plisio if you want a branded Bitcoin invoice, OxaPay if you have someone to build the payment screen, CoinGate Enterprise if a negotiated checkout and support deal suits you, and Triple-A if a managed way of receiving money is central. Whichever you pick still has to accept your company and what you sell.

Which white-label checkout could fit your shop?

The cards show each provider's usual global rank, score and general facts. A Visit link goes to the provider's main website and isn't an account offer.

The fee figures are for the branded products: Plisio's BTC white-label rate, OxaPay's White Label base, CoinGate Enterprise's branded checkout and Triple-A's merchant incoming checkout. They assume a Bitcoin payment on the Bitcoin network with an agreed fee base, and OxaPay's base rate doesn't mean that coin and network are switched on for you. Each provider would also have to approve your company, its owners and controllers, where you're based, what you sell and who you sell to, and where the money goes afterwards, whether a wallet or a bank.

Only the published percentage rate is shown. Minimums, custom or high-risk pricing, setup and monthly charges, and commitments have no published price. Network and conversion costs, bank charges, returns and exit costs aren't in these figures either, and neither are your own hosting and staff time. Unknown isn't free.

1. 1

   CoinGate

   Branded checkout on a negotiated Enterprise deal

   81/100

   Not published
   • Advertises a payment flow on your own domain with no CoinGate branding
   • Enterprise advertises dedicated technical and account support
   • Pricing is custom. CoinGate's usual limits on shared accounts and its checks mean you need the right merchant or PSP agreement.
   Read review ↗Visit site
2. 16

   Plisio

   Branded Bitcoin invoices for your own shop

   49/100

   1.5%
   • Advertises custom invoices with no redirect to another website
   • Offers plugins and custom integration
   • Branded Bitcoin pricing differs from the ordinary API rate. Who you'd contract with, how returns work and how you'd receive usable money still need confirming.
   Read review ↗Visit site
3. 17

   OxaPay

   Payment details for a screen you build yourself

   48/100

   2%
   • Gives your own interface the address, amount and expiry
   • Describes crediting a balance, with optional forwarding to your wallet
   • Your team has to handle payment states and addresses that expire, and the base rate comes with no promise of a bank payout.
   Read review ↗Visit site
4. 19

   TripleA

   Managed checkout with an agreed way to receive your money

   47/100

   Not published
   • Offers branded checkout inside your existing payment journey
   • Describes how customer returns and delivery status work
   • We couldn't find incoming pricing. The contracting company, bank conditions, commitments and allowed activities all have to suit you.
   Read review ↗Visit site

What does white-label branding include?

It covers whatever your agreement spells out. Go through the payment page, domain, emails, receipt, error screens and staff dashboard one by one: a familiar logo on the first screen can be followed by provider-branded messages later on.

Plisio advertises customised invoice design that doesn't send customers to another website, plus plugin and custom connection options. We'd look at it for a shop that wants a recognisable invoice rather than a whole payment company.^[1]

CoinGate describes the payment flow staying on your domain and frontend, without CoinGate branding. Its virtual-ledger facilities are built for payment service providers, which is a different matter from a shop taking its own sales.^[9] Triple-A describes adding branded checkout to an existing payment journey and also emailing payment requests. We wouldn't assume that puts every remittance or account service under the same brand.^[17]

What are you buying, and how could you receive the money?

You're buying a checkout and a way of getting paid, so compare both together. A payment screen that looks right is little comfort if the account can't receive the coin you chose or pay out where your business needs the money.

Plisio's detailed fee table backs up the BTC branded row, and OxaPay's pricing lists Merchant White Label and Merchant Invoice as different products.^[2][5] CoinGate puts branded checkout in Enterprise, with custom rates.^[10]

How a page looks tells you nothing about who can spend the money.

The scores, ranks, verification, custody, currency and feature labels in the table below describe each provider in general. They say nothing about your branded contract, your permissions, who holds the keys or what reaches your bank.

	Plisio	OxaPay	CoinGate	TripleA
Score	49/100 · #16	48/100 · #17	81/100 · #1	47/100 · #19
Payment fee	1.5%	2%	Not published	Not published
Cost on $10k/month	$150	$200	Not published	Not published
Pays out to bank	Not stated	No	EUR, GBP, USD	Yes
Stablecoin networks	USDT: ERC20, TRC20, BEP20, TON, Solana · USDC: ERC20, Base, BEP20, Solana · TUSD: Not stated · BUSD: BEP20	USDT: Ethereum, Tron, BSC, Solana, Polygon, TON · USDC: Ethereum, BSC, Solana, Polygon, Base · DAI: Not stated	USDC: Ethereum, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Optimism · EURC: Ethereum	USDT: Not stated · USDC: Not stated
Coins	Not stated	18	12	Not stated
Custody	Custodial	Custodial or non-custodial	Custodial	Custodial
Merchant KYC	Light	Light	Required	Required
Rolling reserve	Not stated	Not stated	Not stated	may apply
Licence	Not stated	Not stated	Crypto-Asset Service Provider (MiCA), Bank of Lithuania; licence No. 2, authorization code LB002323 (LB002323); Payment institution, Bank of Lithuania (EMT operations); licence No. 60, authorization code LB002324 (LB002324)	Major Payment Institution, Triple A Technologies Pte. Ltd. (reference is provider-claimed) (PS20200525 (provider-claimed)); Payment Institution (ACPR), Paytop SAS
Plugins	WooCommerce, Magento, PrestaShop, OpenCart, WHMCS, BigCommerce	WooCommerce, WHMCS, ClientExec, Blesta, WISECP, PrestaShop	WooCommerce, Wix, Magento 2, WHMCS, OpenCart, PrestaShop	WooCommerce
Legal entity country	Not stated	Not stated	Lithuania	Singapore
Founded	Not stated	Not stated	2014	2020

Each provider's limits are covered in the Plisio review, OxaPay review, CoinGate review and Triple-A review, though those cover the ordinary products, not a branded offer.

How much should you budget for branded checkout?

The processing fee is one line in the budget. Your design and order-handling work, support, conversion and how you receive the money can matter as much as the published percentage, so a low rate says little about what's left for stock or wages.

Sort charges by what triggers them: opening and keeping the account, taking a payment, converting or moving the proceeds, returning a sale, and leaving. Plisio explains that outgoing network fees vary with transaction size and priority, so an incoming invoice won't automatically carry an extra outgoing charge.^[4] CoinGate's Commercial Policy describes a risk margin on processing, so the conversion you get can differ from what the merchant percentage implies.^[13]

Ask each provider what a quiet month looks like as well as a busy one, because a commitment, paid module or support plan can change the answer when orders fall. Have the offer say what each fee is calculated on, too: the sale value, the coins received and the converted proceeds aren't automatically the same amount.

The calculator uses the same assumptions as the cards: a Bitcoin payment on the Bitcoin network, an agreed fee base and the processing percentage only. A missing quote isn't counted as free or as dearer. The lowest, difference and annual figures cover that percentage alone, and the annual one assumes twelve identical months, so it's no forecast of orders or of a year's operating costs. No live exchange rate, peg or bank timing is assumed.

Which option fits these five business situations?

Choose by your hardest operating requirement: the same branded screen can suit very different shops. A Bitcoin seller with a developer and a retailer that depends on bank payouts have different reasons to accept a provider's offer.

OxaPay's help describes a crypto-based service, with an external exchange if you need fiat conversion. That isn't native bank receipt.^[8] With any outside conversion, your shop has to qualify with that exchange too and work out the full bill. That's a second relationship, and the checkout provider's approval doesn't cover it.

Renewals need care. CoinGate describes scheduled invoices that customers pay, which gives you no authority to debit a customer's outside wallet.^[10] Taking money from a funded account, paying out to a recipient and withdrawing your own sales proceeds are three different jobs. Work out which one your membership needs before you pick software.

Our OxaPay versus Plisio comparison covers how the two differ for ordinary merchants. If controlling receipt yourself matters most, the non-custodial gateway guide looks at that on its own, apart from branding.

Who controls the funds, and who gets approved?

Control and eligibility depend on the account behind the page. Your name on it says nothing about who signs a transfer, who can pause a release or whether the provider has accepted your business.

OxaPay describes automatic transfers on to your own wallet, and its branded documentation also describes crediting an OxaPay balance. Money forwarded to your address may not have been in your control when it was collected.^[24] Its withdrawal help mentions security reviews and network delays but gives no maximum hold time.^[15]

Approval starts with the company that will sign, its beneficial owners and controllers and where they live, the countries you operate in, your customers and what you sell. If a provider asks about citizenship, answer accurately; citizenship alone doesn't decide where the company operates. Changes to your products or markets can matter after onboarding too.

OxaPay's public terms tie the service to the business you originally submitted and had approved, and allow restrictions or blocked withdrawals during a suspension.^[6] CoinGate's General Terms, effective 1 January 2026, name UAB Decentralized, require checks to be completed first, and prohibit ordinary shared accounts that cover multiple customers. A PSP setup needs its own agreement.^[11]

Triple-A's policy treats direct merchants and payment facilitators serving downstream merchants differently, with different restrictions and extra scrutiny, and an example involving a marketplace doesn't approve your sellers.^[18] These are provider contract conditions, not a finding that a business is legally cleared. This is general information, not legal advice.

What work stays with your shop?

Your shop still needs someone responsible for each order, for talking to customers, and for its side of the integration. Pay for help with named tasks rather than assuming the provider handles everything behind your logo. The table below lists duties to settle, not duties any provider has taken on.

KYB is one step before the money becomes usable. Triple-A's withdrawal help says you need to have passed KYB, hold more than USD 3,000 or equivalent, and have correct bank details before it describes automatic settlement within the next business day. That balance threshold isn't a fee or a promise of when your bank will credit the money.^[20]

If every sale goes back into stock, settle the withdrawal conditions before you commission a branded checkout. Track customer payments, the balance available at the provider, withdrawal instructions and bank credits as four different numbers. That gives staff an answer when an order shows as paid and the bank account is still empty.

1. 
   01

   Pick the product and the applicant

   Decide whether you need checkout for your own store or a service for other merchants. Then match the signing company, owners, activity, markets and receiving coin to that exact offer.

2. 
   02

   Agree who does what, and the full bill

   Name who receives the money first, who can release it, who owns the integration and who to contact for support. Bring quiet months, returns, holds, records and leaving into the price talks.

3. 
   03

   Set your checkout and order rules

   Write down how current payment details, expiry, stock reservations and delivery decisions will work, and which status is the final word. Published documentation is no proof of a working installation.

4. 
   04

   Plan customer support and exit

   Decide who approves returns, who funds them, who checks the customer's address and who keeps the records. Agree access, exports, updates, who problems escalate to, and who handles orders still open when the service ends.

What happens to an expired payment or a customer return?

An expired request, a finished sale and a finished return are three different events, and your checkout should help staff tell them apart. A reassuring screen doesn't tell the customer where the money stands.

OxaPay's White Label documentation gives you an address, amount and expiry to show in your own interface, which hands your developer more of the presentation work. For the option that lets the payer cover the fee, it uses both commission and network-fee wording, so sort out who pays what before you show a customer the final amount. It also warns that each address is valid only for its specified lifetime and that funds sent after expiry are permanently lost. That warning belongs to this product; it isn't every gateway's rule.^[7] Its underpayment help describes manual acceptance or return when automatic coverage is turned off.^[23]

Triple-A ties its delivery guidance to a Good transaction state in the merchant dashboard.^[22] Plisio explains that the sender can't cancel a network payment once it's sent, but the recipient can make a return. Irreversibility doesn't remove your need for a return process.^[29]

CoinGate's payment-processing Special Terms, effective 1 September 2026, handle merchant requests after a successfully credited sale under different provisions from failed or held payments, checks and possible deductions. That doesn't add up to a universal refund deadline or a maximum hold.^[12] Its merchant-return page describes full and partial returns funded from the account balance. Which charges and process your Enterprise agreement would use still needs confirming.^[14]

What if you want to serve other merchants?

That takes a platform agreement, and an ordinary shop account isn't a reseller platform. Handling other merchants' applications, money, checks and complaints changes what you're buying.

Coinspaid Enterprise is aimed at licensed financial institutions that operate under their own licence and brand, with Coinspaid providing the infrastructure. We don't score it, and a merchant gateway's rates or score say nothing about what that business costs.^[25]

Coinspaid Console describes modules deployed in the customer's own environment, with keys and signing under the customer's control. Its Payments Engine, which covers pay-ins and invoices, was still under a coming-soon heading on the page we read, so don't buy it as if it solves today's checkout. Enterprise's own-licence model doesn't automatically apply to every Console purchase.^[26] The CoinsPaid Enterprise and Console review goes into the difference.

B2BINPAY's white-label platform describes branded interfaces, wallets and markups on merchant operations, plus a roadmap of future features. It needs its own platform quote, because the Merchant incoming rate and WaaS outgoing fees don't add up to the whole price.^[27] Its WaaS page claims customers hold the keys and sign, while the generic footer on the same page describes custody. Find out which deployment, wallet and agreement you'd get before applying either statement to any B2BINPAY product.^[28]

The CoinsPaid versus B2BINPAY comparison and B2BINPAY review cover the two paths in more detail. Before you treat any offer as a business you can run, confirm which modules are current, which company you'd contract with and what you'd be permitted to do.

What should be in your support and exit plan?

Your plan should cover what happens to open orders, returns, records and access if you change provider. It's easier to agree those duties before customers depend on the checkout.

Ask who is responsible for shop-side updates, backups, payment exceptions and telling customers when something breaks, and ask for the escalation process itself and any service commitment you agree. Marketing about technical operations doesn't list every task your developer or support staff will still do, and public documentation doesn't give measured response times, insurance or protection from loss.

Plisio's Terms, last updated 12 March 2019, give you limited rights of use and conditional access to remaining funds after a suspension or closure. They don't give unrestricted resale rights or a full return service.^[3] Under Triple-A's Terms, version 20 April 2026, agreed fees, possible shortfalls against a monthly commitment, term and renewal conditions, continuing duties and withheld settlements all still matter when you leave. If your signed agreement conflicts with the Terms, the agreement prevails.^[19]

Before you switch, make sure you can get order references, payment statuses, invoices, return approvals, records of completed transfers and reconciliation reports out in a format you can use. Find out which records can be exported, which have to be kept and who can access them after closure. An account export may not hold everything your accountant or support team needs.

What evidence could change your decision?

A real offer from a provider could change the decision by settling something the public pages leave open: how you'd receive money, who is responsible for what, or what it costs. The log below lists the documents behind our main points. It doesn't show an approved account or a working installation.

White-label crypto payment gateway FAQ

Updated 15 October 2026 after reviewing the public documents. The examples are hypothetical; real offers, what's enabled for you, the full charges and the results you get depend on your business.