White label payment processing allows agencies, SaaS platforms, and resellers to offer payment acceptance under their own brand without building payment infrastructure from scratch. For WooCommerce agencies, white label payment capabilities can add a recurring revenue stream to client relationships while delivering better payment outcomes than the generic options most clients would choose independently.
What White Label Payment Processing Means for Agencies
A white label payment arrangement typically means one of three things:
- Reseller model: The agency refers clients to a payment processor and earns a revenue share on processing volume. The processor’s brand may still appear on statements.
- Branded gateway: The processor provides a gateway that can be presented under the agency’s brand, with the agency managing the client relationship.
- Full PayFac-as-a-Service: The agency integrates a PayFac-as-a-Service platform to onboard clients as sub-merchants, operating as a payment facilitator. Highest revenue potential but also highest compliance and capital requirements.
Revenue Models for Agency Payment Programs
| Model | How Revenue Works | Complexity |
|---|---|---|
| Referral/affiliate | Flat fee or % revenue share per referred merchant | Low |
| Reseller | Ongoing % of processing volume from referred clients | Medium |
| PayFac-as-a-Service | Full spread between interchange and merchant rate | High |
Compliance Considerations for Agency Payment Programs
Before offering payment services to clients, agencies need to understand the compliance implications:
- Reseller registration: Most payment networks require ISOs and agents to be registered. Operating as an unregistered referral partner can create liability.
- Sub-merchant underwriting: If you’re managing sub-merchants, you inherit compliance responsibility for their transactions. Onboarding high-risk merchants without proper underwriting creates financial exposure.
- PCI compliance: Any system that touches payment data must be PCI compliant. Agencies managing payment configurations for clients should have a clear understanding of their PCI scope.
- Data handling: Payment credentials should never pass through agency systems unless specifically designed and audited for that purpose.
ConvesioPay’s Agency Partner Program
ConvesioPay works with WooCommerce agencies through a partner program designed to add value to client relationships without the compliance burden of operating as a PayFac. Agency partners can recommend ConvesioPay to their WooCommerce clients, support the integration and configuration as part of their service offering, and provide clients with professional payment infrastructure (Adyen-powered, flat 2.9% + $0.30, no monthly fees) that reflects well on the agency relationship. Contact ConvesioPay’s partnerships team to learn about current agency program terms.
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