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Some individuals prefer to rent homes. Others believe that “owning your own space” is the greatest thing ever. What exactly does the phrase «place of your own» imply though? Is it a home you build from the ground up? Or is it only a dorm room with your name on the door? After all, you can visit anyone in a dorm, a rented apartment, or your own house. From a visitor's viewpoint, the experience may feel similar. A comparable scenario is seen in the market for payment gateway services, particularly when you need a white-label payment gateway.

Many people and companies are considering becoming payment gateway providers thanks to the advancement of the merchant services industry.
Electronic payments are typically accepted by companies using third-party gateways. Once they start accepting electronic payments, their processing volumes increase. As a result, their needs have changed. Thus, they begin providing gateway services under their own brands. This has led to terms like «your own payment gateway» or «white-label payment gateway» becoming more common. But what do they actually mean? It appears that everyone interprets them differently.
When it comes to payment gateway services, you have a number of options. You can choose from a number of solutions, from third-party gateways to your own payment gateway. In addition, you have white-label options to choose from.

The following are the advantages of white-label payment gateway solutions. The 4 shades are as follows:
1. A standard white-label payment gateway product-
This gateway is yours only by name. The equivalent of your name on the door of a dorm room. Your third-party provider provides the actual service, but you are viewed as the service provider by your customers. This boosts your reputation and image. The cost is minimal. A third party handles all major issues, such as PCI compliance and integrations. However, you have little control over payment processing. You cannot add nearly any new features to the product. Additionally, the service has to be shared with other customers, which may cause frequent delays.
2. Payment gateway instance dedicated to you-
There are no slowdowns since you are the primary user of the payment gateway product instance. You can add new features to the product. Additionally, you do not have to worry about PCI compliance or integrations because the third party handles these tasks. Due to the use of dedicated servers, the solution is somewhat more expensive than a standard payment gateway. The maintenance of servers is an additional cost, and the amount of data that can be handled is limited as well.
3. Virtual payment gateway solution-
The advantages are that the product does not need to be installed on dedicated servers as in the previous case. Also, no PCI certification is necessary. Your virtual gateway is located on dedicated nodes within a cluster. Thus, other cluster nodes are able to absorb the peak load, resulting in a more cost-effective solution than a dedicated instance, but with limited control. Furthermore, you are also restricted from adding new features, scheduling updates, and outages.
4. Licensed payment gateway solutions-
If anything goes wrong, you can always contact the plumber or the electrician to fix it. This one is like your own apartment. You can make changes whenever you like, just make sure you pay the utility bills on time. If you license a gateway solution with open source code, you can customize it how you please. Therefore, either you can use your own development efforts or you can turn to a professional development team of the license provider.
How should you choose between the various types of white-label payment gateways when there are so many options? Everything will be determined by your specific demands, processing volume, and circumstances.
If you're thinking about your possibilities seriously, we recommend that you contact our payment specialists at unipaygateway.com