White Label PSP vs. Custom Payment Platform: How to Choose What’s Right for You

When a company wants full control over its payment flows, launch financial services, or work directly with partners, it faces a crucial decision: build a custom payment platform (custom PSP) or opt for a ready-made White Label solution. Both approaches make sense — the choice depends on resources, implementation timeline, licensing requirements, and your business model.

In this article ➡️ we compare key aspects of both options and analyze when launching with a White Label solution, such as Tranzzo’s, is the better fit.

Pros:

• Tailored architecture. You build a system that reflects your internal business logic — from billing to payment routing.
• Full access to data. You have complete control over analytics and transaction history.
• Flexibility in scaling. No limits — you can integrate new features, support new regions, and add payment methods as needed.

Cons:

• High costs. Building a payment platform from scratch starts at $500,000, excluding certification, staffing, and infrastructure costs.
• Licensing required. In most jurisdictions, you can’t operate directly without a payment institution license.
• Long time to market. Even with an experienced team, creating an MVP takes 9–12 months. A full launch takes even longer.
• Regulatory overhead. You’ll need a dedicated team to handle KYC, AML, compliance reporting to regulators like the NBU, FCA, etc.

What you get:

• A working platform under your brand. With Tranzzo’s White Label solution, you get a custom interface, billing dashboard, documentation, and support.
• Quick deployment. Average time to launch: up to 2 weeks.
• No license needed to start. You operate under the provider’s license — no need to acquire EMI or PI status at launch.
• Built-in integrations. Tranzzo gives you access to a network of banks, 180+ payment methods, 100+ currencies, and instant exchange tools.

What’s limited:

• No control over deep platform architecture. For example, you can’t modify core-level risk scenario handling.
• Dependence on the provider’s SLA and roadmap. That’s why choosing an experienced partner is critical.

Tranzzo has been building its own PSP infrastructure since 2017. The company is licensed in the EU and offers a separate architecture specifically for White Label clients. Here’s what that means for you:

• A turnkey solution. Merchant panel, processing, fraud monitoring, billing, and documentation — all included.
• Flexible roles. You can act as a direct client or build your own White Label network with separate merchant accounts.
• KYC/AML handled by Tranzzo. Your users are verified on our side, reducing the compliance burden on your team.
• Smooth updates. New payment methods, fraud prevention tools, API integrations — all implemented without technical effort on your part.
• Global support. Tranzzo works with clients from the EU, Ukraine, Asia, and Latin America — and adapts the White Label system to local requirements.

Learn more about the benefits of our solution ➡️ link.

Building your own payment platform is a strategic move for companies ready to invest in infrastructure, compliance, and long-term development. But if your priority is fast market entry, full UX control, and a branded solution without the operational burden — Tranzzo’s White Label PSP lets you do just that with minimal risk and cost.