Launch your own payment gateway
A global payment orchestration hub under your brand. Accept 150+ currencies, manage cross-border settlement, and keep your customer data — without the overhead of building it yourself.
Go live in days, not months
Three phases, in order. Each one finishes before the next begins, so you always know where the project stands.
Integrate
Connect our RESTful API to your platform in days. Simple documentation, and no infrastructure maintenance on your side.
Customise
Your URL, your logo, your brand colours. We provide the engine; you own the car. Your merchants never see the PayQuanta name.
Monetise
Turn payments into a revenue line. Set your own buy rates for your merchants and keep the markup.
Flat-rate access to the technology
Published plans, so you can size the decision before a call. Enterprise terms are agreed directly.
For start-ups launching a first gateway.
- 0.1 cent per transaction
- Standard support
- Core API access
For scaling fintechs that need better margins.
- 0.075 cent per transaction
- Priority support
- Advanced analytics
Volume-based, for high-transaction platforms.
- 0.05 cent per transaction
- Custom integration
- Dedicated account manager
What runs underneath your brand
Automated merchant onboarding
- Digital KYB/KYC workflows — an online portal with guided forms and secure document upload, so merchants activate in hours.
- Standardised approval flows — automated risk scoring filters mismatches and fast-tracks low-risk applications.
Billing and fee engine
- Custom markup logic — unique transaction fees and tiered pricing per merchant segment.
- Automated settlement and invoicing — the system calculates commissions and generates monthly invoices.
Real-time risk management
- Fraud engine — transactions monitored around the clock with customisable rules and velocity limits.
- Chargeback and dispute centre — instant alerts, so action can be taken while it still matters.
A merchant dashboard with your logo on it
Your merchants log in to an interface branded as yours, track sales, manage refunds and pull settlement reports themselves — which is also the fastest way to reduce your own support load.
- Live transaction monitoring, every success and decline
- Instant refunds and chargeback alerts
- Multi-currency settlement reports
The infrastructure your brand sits on
Invisible by design. It absorbs the complexity of global payment orchestration so your team can stay on the product and the client relationship.
99.9%+ uptime
High-availability architecture
Horizontal scaling and intelligent load balancing absorb traffic surges without degrading.
Fault tolerance
If a server or acquiring partner has an issue, transactions are funnelled through alternatives.
Global territory expansion
Cross-border rails
SWIFT for global reach, SEPA for low-cost instant euro transfers.
Local networks
ACH in North America and Faster Payments in the UK, so settlement happens locally rather than through expensive cross-border routes.
Unified reconciliation API
Single integration surface
One normalised API covering boarding, payments, funding and settlement.
Real-time normalisation
Reporting standardised across channels, removing the manual work of reconciling third-party formats.
Before you book a call
How fast can a white-label gateway go live?
Using the RESTful API and pre-configured infrastructure, most institutional partners go live with a fully branded gateway in three to five business days. An individual timeline depends on KYB and integration scope.
Is the infrastructure PCI-DSS compliant?
Yes. The infrastructure follows Level 1 PCI-DSS standards, with 3DS 2.2 support and real-time AML and KYC logic.
Can we set our own processing fees and markups?
Yes. The billing engine supports custom buy rates and tiered pricing per merchant segment, and you keep the markup.
Who holds the licence?
PayQuanta provides software infrastructure. Operating entities are responsible for obtaining and maintaining the VASP or equivalent financial licences required in their jurisdictions.
Do our merchants ever see PayQuanta?
No. The gateway runs under your domain, your logo and your colours. The PayQuanta name does not appear in the merchant experience.
Institutional-grade, and auditable
Safety is engineered into each layer rather than added at the edge — because in payments the failures that matter are the ones nobody notices.
PCI-DSS Level 1
The highest industry standard for handling and storing transaction data.
AES-256 encryption
End-to-end protection for merchant and customer information.
Real-time risk logic
AML and KYC monitoring that detects and blocks fraudulent behaviour as it happens.
Ready to launch under your own brand?
Tell us what you are building and where your merchants are. We will tell you plainly whether this fits.