White-Label Payment Gateway
Shivacha Payment Gateway: A white-label payment gateway with hosted checkout, tokenisation and multi-acquirer connectivity.
Rails
Card · A2A · Stablecoin
Routing
Provider A · B · C
Settlement
T+1
Typical implementation
3–4 weeks
White-label implementation
Customization
Highly customizable
Advanced builds: 4–6 weeks
- White-label
- Ready to launch
- Production-ready
- Customizable
- API-ready
Timelines refer to software implementation and deployment scope for a defined configuration. Third-party integrations, regulatory approvals, banking and card-issuer onboarding, custody and liquidity agreements, security audits and other external dependencies may require additional time.
Overview
A payment gateway platform for PSPs and large merchants: hosted checkout, card and network tokenisation, 3DS orchestration, local payment methods, merchant APIs, dashboards and reporting.
The problem
Building a gateway from scratch means years of work on PCI-scoped systems, acquirer integrations and merchant tooling. Licensing a closed gateway limits control over routing, economics and roadmap.
The solution
Shivacha Payment Gateway gives you a modern, API-first gateway you can brand, deploy in your environment and extend. Hosted fields minimise PCI scope, adapters connect acquirers and methods, and merchant tooling is included.
Feature modules
What's inside
Hosted checkout
Customisable hosted pages and embeddable fields that reduce PCI scope.
Tokenisation vault
Card and network token handling via compliant vault providers.
Acquirer connectivity
Adapter framework for acquirers, PSPs and local methods.
3-D Secure orchestration
Frictionless and challenge flows with exemption logic.
Merchant APIs & SDKs
Payments, refunds, webhooks and SDKs for web and mobile.
Merchant dashboard
Transactions, refunds, disputes, payouts and reports.
Product preview
Designed for operators and end users.
- White-label hosted checkout
- Card and network tokenisation
- Multi-acquirer adapters
- 3DS orchestration
- Local payment methods
- Refunds and dispute workflows
- Webhooks with signing and retries
- Merchant and admin consoles
- ClientCheckout · wallet
- APIIdempotency key
- Identity & KYCVerified
- Risk & complianceRules passed
- Payment gatewayAuthorised → captured
- LedgerDouble-entry posted
- SettlementBank rail · T+1
Journal entry · balanced
| Account | Debit | Credit |
|---|---|---|
| Customer funds | 120.00 | — |
| Merchant payable | — | 118.20 |
| Fee revenue | — | 1.80 |
Architecture
Built to integrate and extend.
Modular services behind stable APIs, deployed into your environment.
Specifications
Deployment, security and integration
Integrations
- Acquirers & PSPs
- Card networks via processors
- Tokenisation vaults
- Fraud screening providers
- Local payment methods
- Accounting & ERP
Security
- Double-entry ledger with immutable journal
- Maker-checker controls for sensitive operations
- Encryption, tokenisation and secrets management
- Strong customer authentication and device binding
- Comprehensive audit trails
- Architecture aligned with PCI DSS where card data is involved
Deployment
- Your cloud account in your chosen region
- Dedicated single-tenant deployment
- Private cloud / on-premises Kubernetes
- Managed deployment with operational support
Customisation
- White-label mobile and web apps
- Product, fee and limit configuration
- Partner and provider adapters
- Custom workflows and back-office tools
- Reporting and data exports
Use cases
Who launches with it
- PSP launchGateway technology for a new payment service provider.
- Enterprise gatewayDirect acquirer connectivity for a large merchant.
- Regional gatewayLocal methods and acquirers for a region.
- Gateway replacementMigrating off a legacy gateway.
See it in action
Request a tailored demo for your use case.
Demos are tailored to your markets, partners and integration requirements.
Custom engineering
Extend it with our services
Payment Gateway Development
Custom payment gateways with hosted checkout, tokenisation, multi-acquirer connectivity, 3DS and merchant APIs.
Learn morePayment Processing Systems
Payment processing engines for authorisation, capture, refunds, disputes and fees — accurate, idempotent and observable.
Learn moreCard Payment Platform
Card acceptance platforms: e-commerce and in-person card payments with tokenisation, 3DS, network tokens and risk controls.
Learn moreRelated products
Works well with
Shivacha Payment Orchestration
Route every payment to the best provider — and fail over automatically.
Learn moreShivacha Merchant Payments
Merchant onboarding, omnichannel acceptance and settlement in one platform.
Learn moreShivacha Hybrid Payments
Accept cards, bank transfers and stablecoins. Settle in fiat or digital assets.
Learn moreLearn more
Related thinking
Ledger-first architecture for a partner-bank neobank
How we structure a neobank so that balances always reconcile with the sponsor bank and partners can be added or replaced.
Learn moreStablecoin settlement layer for a card-accepting payment platform
A hybrid design that lets merchants accept cards as usual while optionally settling in stablecoins.
Learn moreYour ledger is your product: designing money movement that always reconciles
Fintech products are judged on experience but survive on correctness. A double-entry ledger at the core is what makes balances provable.
Learn moreFAQ
Frequently asked questions
Is the gateway PCI DSS certified?
PCI DSS compliance applies to the operating entity and environment. The gateway is designed to minimise scope and support your assessment by qualified assessors.
Can we add new acquirers?
Yes. The adapter framework is designed for adding acquirers and payment methods.
Do you process the payments?
No. Payments are processed by your contracted acquirers and PSPs.
Request a product demo.
See how Shivacha Payment Gateway fits your business, and how we would customise and deploy it.