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How do acquirers choose payment gateways?

choosing a payment gateway

White label payment gateways and acquirers play a vital role in the e-commerce ecosystem. This article will discuss the essential product features that acquirers should consider while choosing a  payment gateway. Payment gateways act as intermediaries between merchants and financial institutions, while acquirers are financial institutions that enable merchants to accept payments.


One of the most crucial features of a white label payment gateway is security. As payment gateways handle sensitive customer information, it is vital to ensure that the gateway has robust security measures in place. The white label payment provider should be PCI DSS compliant and use encryption to protect customer data during transit. Additionally, the payment gateway should have fraud detection and prevention tools to minimise the risk of chargebacks and fraudulent transactions.

3D-Secure Authentication

3D-Secure authentication is an essential feature for a white label payment gateway. It adds an extra layer of security to online transactions by requiring the cardholder to authenticate themselves using a password or a one-time code. Acquirers should choose a payment gateway that supports 3D-Secure authentication to reduce the risk of fraudulent transactions and chargebacks, as WLPayments since our company provides flex 3DS and chargeback management

Routing and Cascading

Intelligent Transaction Routing and cascading are important features that help improve transaction success rates and reduce transaction costs. WLPayments Intelligent Transaction Routing solution enables the white label payment gateway to route transactions to the most appropriate acquiring bank based on factors such as currency, location, and card type. Cascading, on the other hand, enables the white label payment gateway to route transactions to multiple acquiring banks in a predetermined order, improving the chances of a successful transaction.

In-depth Reporting

In-depth reporting is a crucial feature that enables acquirers to analyse transaction data, monitor transaction trends, and identify potential issues. The gateway should provide detailed reports on transaction status, settlement, and chargebacks. Additionally, the reports should be customisable and exportable to facilitate further analysis.

Payment Methods

Acquirers should choose a white label payment gateway that supports a wide range of payment methods. The gateway should support credit and debit cards, as well as alternative payment methods such as e-wallets, bank transfers, and mobile payments. Additionally, the white label payment provider should support international payment methods and currencies to cater to a global customer base.

Integration and Customisation

Integration and customisation are important factors to consider when choosing a white-label payment gateway. The gateway should be easy to integrate with existing systems, such as e-commerce platforms and point-of-sale systems. Additionally, the gateway should be customisable to enable the acquirer to brand the gateway and tailor it to their specific needs.

White label payment gateways and acquirers play a critical role in the e-commerce ecosystem. When choosing a white label payment gateway, acquirers should consider factors such as security, 3D-Secure authentication, routing and cascading, in-depth reporting, payment methods, integration, and customisation. By selecting a gateway that meets these criteria, acquirers can provide their clients with a secure, reliable, and customisable payment solution.

What’s next?

At WLPayments, we ensure our payment partners can access all the relevant payment data. Through the platform or API. Do you have any follow-up questions after reading this article? Reach out to us; we will gladly help you find the answers. Fill out the form below, and we will contact you shortly. Or drop us an email at

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