1. Akurateco
Akurateco stands as a leading choice for Indian businesses seeking comprehensive white label payment gateway solutions. The platform’s PCI DSS-compliant infrastructure eliminates development costs, allowing businesses to launch payment services with zero capital expenditures on software and infrastructure.
The platform’s “Payment Team as a Service” approach provides comprehensive expertise from dedicated account managers and technical experts with 15+ years of experience. This support is invaluable for Indian businesses navigating complex payment regulations and market dynamics.
Operational efficiency is impressive: businesses can launch in just two weeks. Akurateco has helped PSPs achieve approval ratios increasing from 50% to 70% and processing revenue improving from 94% to 97% — substantial improvements in India’s competitive, margin-sensitive market.
With 600+ ready-to-use payment connectors, Akurateco provides instant access to Visa, Mastercard, Apple Pay, Google Pay, Stripe, PayPal, Adyen, PPRO, PayU, Flutterwave, Klarna, and Worldline. Intelligent routing automatically directs transactions to optimal providers based on cost, region, and card type, maximizing approval rates while minimizing costs.
For those exploring payment infrastructure, Akurateco offers guidance on how to make a payment gateway. The white-label capabilities allow complete customization of payment pages, checkout flows, and communications, ensuring consistent brand identity.
Three deployment options — SaaS, on-premise, or cloud — provide flexibility for businesses with specific data localization requirements under RBI guidelines. Built-in PCI DSS compliance eliminates months of certification work, while continuous updates ensure current, secure infrastructure.
The smart billing module enables sophisticated pricing models, while advanced fraud prevention protects against fraudulent activities. Recurring payments functionality, powered by smart tokens, supports India’s growing subscription economy across entertainment, education, software, and e-commerce sectors.
2. Rapyd
Rapyd has established significant presence in India with its fintech-as-a-service platform emphasizing comprehensive payment method coverage. The platform supports local Indian payment methods including UPI, digital wallets, net banking, and cards alongside international options through unified integration.
Rapyd’s white-label capabilities enable Indian businesses to present branded payment experiences while leveraging extensive provider networks. The platform handles provider relationships, compliance, and technical integrations, reducing operational burden.
For businesses expanding internationally, Rapyd’s global network provides access to payment methods across multiple regions. Multi-currency capabilities support transactions in numerous currencies, important for Indian exporters and e-commerce businesses. The API-first architecture and comprehensive documentation support efficient implementation for businesses with ambitious timelines.
3. Spell
Spell bridges traditional payment methods with cryptocurrency capabilities, positioning itself at the intersection of established and emerging digital ecosystems. The platform enables businesses to accept both fiat and cryptocurrency payments through unified interface, offering payment optionality particularly relevant for technology, gaming, and digital services sectors.
Spell’s orchestration capabilities handle currency conversion, settlement, and reconciliation across payment channels. The platform’s transparency and detailed transaction records support compliance requirements while providing comprehensive visibility into payment flows.
4. Paydock
Paydock offers payment orchestration emphasizing simplicity with sophisticated capabilities. The unified interface manages multiple payment service providers through centralized dashboard, valuable for optimizing payment routing based on success rates, costs, and coverage.
Smart routing technology analyzes transactions in real-time, determining optimal payment paths. In India’s market where approval rates vary significantly, this intelligent routing materially improves success rates. White-label capabilities enable fully branded payment experiences with customizable checkout flows and interfaces.
5. CellPoint Digital
CellPoint Digital brings specialized orchestration capabilities particularly relevant for travel, aviation, and hospitality sectors. The platform handles sophisticated payment routing across processors and methods, with mobile payment capabilities aligned with India’s mobile-first adoption pattern.
Focus on payment performance optimization — maximizing approval rates and minimizing failures — addresses critical concerns where transaction success impacts revenue. The global payment network and multi-currency capabilities support businesses serving both domestic and international markets.
6. BridgerPay
BridgerPay offers orchestration focused on aggregating multiple payment providers under one roof. The platform allows working with preferred PSPs while managing everything through unified interface, reducing complexity and providing centralized visibility.
Smart routing engine continuously learns from transaction outcomes, adapting strategies to maximize performance. Comprehensive reporting provides visibility into authorization rates, decline reasons, and processing costs, enabling optimization of payment strategies.
7. Spreedly
Spreedly’s vault-centric architecture securely stores payment credentials while enabling routing to any connected gateway. This provides unusual flexibility to test providers, implement backup processing, or transition between providers without re-collecting customer information.
Extensive provider network includes international and regional Indian providers. API-first design facilitates integration with comprehensive documentation and testing environments. PCI DSS compliance and tokenization capabilities enhance security while enabling features improving customer experience.
8. Gr4vy
Gr4vy brings cloud-native architecture emphasizing performance, scalability, and developer experience. Built to handle high transaction volumes with low latency, the platform supports rapid scaling from startup through enterprise operations.
Intelligent routing leverages machine learning, continuously learning from outcomes to adapt strategies. Extensive customization capabilities and API-first design enable integration precisely where needed. Built-in PCI DSS compliance and advanced fraud prevention protect payment data while enabling seamless experiences.
India’s White Label Payment Gateway Landscape
India’s payment market in 2026 presents unique opportunities and challenges. The diversity of payment methods — from UPI and cards to net banking and digital wallets — requires white label providers offering comprehensive coverage. RBI’s evolving regulations balance innovation with consumer protection, creating complexity that providers help manage through built-in compliance.
India’s mobile-first adoption shapes payment requirements fundamentally. With hundreds of millions accessing internet via smartphones, payment experiences must optimize for mobile devices. Transaction economics present unique considerations: high volumes with modest average values require infrastructure processing efficiently while maintaining low costs.
Strategic Considerations for Indian Businesses
When evaluating providers, Indian businesses should consider payment method coverage, approval rate optimization, and pricing models. Integration complexity, deployment flexibility, vendor stability, and scalability determine long-term success. Businesses need platforms handling growth from thousands to millions of transactions without performance degradation.
Conclusion
The eight white label payment gateway providers profiled represent the sophistication available to Indian businesses in 2026. From Akurateco’s comprehensive platform with payment team as a service to specialized capabilities of Rapyd, Spell, Paydock, CellPoint Digital, BridgerPay, Spreedly, and Gr4vy, each brings unique strengths addressing India’s complex payment landscape.
India’s digital payment market continues remarkable growth driven by increasing smartphone penetration, improving digital literacy, and expanding internet access. White label providers combining strong technical foundations with deep market understanding and continuous innovation will succeed in serving India’s dynamic market. Businesses selecting the right providers position themselves to capitalize on India’s digital transformation and deliver seamless payment experiences Indian consumers increasingly expect.
