white label fintech platform

Build your brand by repainting our product

Cutting-edge financial technology and compliance expertise into your own branded solution.

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Launch within weeks

Go live with zero development

Accelerate your launch without the cost, complexity, or time associated with developing your own financial technology stack.

We're your licensed partner

Operate under our established infrastructure so you can launch and scale without needing to acquire complex licences.

End-to-end compliance & KYC

Outsource all KYC, AML, KYB, and ongoing monitoring to us. From identity checks to transaction screening, we handle the workload.

Our white label product suite

Start issuing branded cards

Scale your business growth with a fully managed white label card programme.

Offer multi-currency cards

Offer branded multi-currency cards tailored to business needs, including virtual, physical, and tokenised digital-wallet–ready cards, plus both prepaid and debit options.

Deliver in-platform controls & limits

Utilise in-platform spend limits, fund approvals, and flexible permissions based on role to control expenditures.

Deliver secure, named global accounts

Collect inbound payments and enable efficient client withdrawals effortlessly with named accounts.

Manage multi-currency accounts with ease

Create accounts equipped with multi-currency IBANs to receive and manage funds in 35+ currencies without unnecessary conversion or the need for multiple accounts across jurisdictions.

Issue virtual IBANs at scale

Provision unique, named virtual IBANs for each client or transaction flow, helping you streamline reconciliation, accelerate payment allocation, and enhance the transparency of your global collections.

Create a frictionless deposit experience

Leverage Open Banking technology to offer a faster, more secure, and streamlined payment journey for your users.

Create a licensed payments platform

Facilitate seamless fiat transactions with access to favourable rates, fast settlement speeds, and flexible solutions.

Access smarter global payments

Make outbound payments in a range of currencies, while leveraging our in-platform hedging options to manage volatility and fix currency pricing for future transactions.

When hedging, once a rate is secured it remains fixed even if market rates change afterward. While this does require a commitment, hedging can provide valuable stability and predictability for business planning.

Unlock global payment networks

Connect to SWIFT, SEPA, SEPA Instant, and UK Faster Payments and expand into new global territories with ease.

Scale payments through automation

Submit up to 10,000 payment requests through a single API, enabling high-volume global payouts with speed, accuracy, and minimal operational overhead.

Enable USDC transactions

Accept and off-ramp USDC payments seamlessly, allowing customers to pay in stablecoins while your business receives USD directly into your account.

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What is a white label fintech platform?

A white label fintech platform is a branded payment services solution that allows a business to offer financial services and embeddable products (such as accounts, payment products and cross-border payments, mobile wallet compatible cards, and FX services) under its own name (without building the tech), while the underlying technology, licensing, and regulatory compliance are provided by a specialist financial services provider such as Equals Money.

What is white labelling?

White labelling (in the context of white label payment platforms) is the practice of delivering regulated financial products and services through a third-party platform (such as payment processing, cross-border money transfers, card issuance, FX products, etc.), often custom-branded so that the digital experience does not feel foreign to the end customer. Issue cards featuring your own branding and custom design, or opt for the ready-made Equals Money design.

The provider manages the financial infrastructure and regulatory compliance requirements (such as AML screening, KYC & KYB checks, and controls for fraud prevention), while the client business controls the brand, user experiences, and customer relationship.

While Equals Money is not a bank, it is a FCA-regulated EMI (Electronic Money Institution) with over 18 years of fintech expertise, offering a range of flexible payment and embedded finance solutions available via white labelling and API integration.

What are white label platforms?

White label platforms are ready-built technology solutions created by one provider and rebranded by another business as their own via white labelling. In a white label fintech platform, this means a regulated fintech or technology provider builds and operates the underlying infrastructure, while client businesses offer these services to their customers under their own brand, without having to build the technology from scratch.

Why should a business choose a white label fintech solution?

Businesses can consider white labelling to:
- Launch financial services or payment products quickly without building from scratch
- Avoid the time required and complexity of securing appropriate financial licences
- Reduce development time and accelerate operational efficiency
- Focus on growth, customer loyalty/ experience, and monetisation

This makes it an efficient route to market for fintech startups, platforms, and service-led businesses.

How does a white label fintech platform work?

White labelling works by separating financial infrastructure from brand ownership. The provider supplies the modular architecture, payment technologies, card issuing solutions, compliance controls, and tech stacks, while the business presents the services through its own or provided, branded interface.

How we safeguard your money

Because Equals Money accounts don’t fall under FSCS, your money is protected via safeguarding. We hold your funds in specially designated, safeguarded bank accounts, which keep them separate from our other assets.

Equals Money Plc (No. 05539698) is registered in England & Wales with registered office at 3rd Floor, Vintners’ Place, 68 Upper Thames Street, London EC4V 3BJ, and is authorised by the Financial Conduct Authority (FCA No. 488396) to provide payment services. Equals Money UK Limited (No. 06268340) is registered in England & Wales with registered office at 3rd Floor, Vintners’ Place, 68 Upper Thames Street, London EC4V 3BJ and is authorised by the Financial Conduct Authority (FCA No. 504547) to provide payment services. Equals Money International Ltd (No. 07131480) is registered in England & Wales with registered office at 3rd Floor, Vintners’ Place, 68 Upper Thames Street, London EC4V 3BJ, and is authorised by the Financial Conduct Authority (FCA No. 900493) under the Electronic Money Regulations 2011 to conduct electronic money activities. Cards are issued by Equals Money under licence from Mastercard International Incorporated. Equals Money Europe SA (No. 0849.185.510) is incorporated under Belgian law with registered office at Avenue Louise 231, 1050 Bruxelles, and is authorised and supervised by the National Bank of Belgium as a regulated payment institution. PayrNet Limited (No. 09883437) is registered in England & Wales with registered office at 3rd Floor, Vintners’ Place, 68 Upper Thames Street, London EC4V 3BJ and is authorised by the Financial Conduct Authority (FCA No. 900594) under the Electronic Money Regulations 2011 to issue electronic money and provide payment services. It is a wholly owned subsidiary of Embedded Finance Ltd and operates under the trading name "Railsr". Cards are issued by PayrNet under licence from Mastercard International Incorporated and Visa Europe. Funds are held in safeguarded accounts in accordance with regulatory requirements and are not protected by the Financial Services Compensation Scheme (FSCS).